Guaranteed Acceptance
Protection for Over-50s Made Clear and Simple
Over 50s cover offers guaranteed acceptance for eligible applicants and provides a fixed cash payout when you pass away, as long as you maintain your premiums. It offers long term reassurance that your loved ones will receive a set sum to help with future expenses or to support the legacy you wish to leave. Because the cover is designed specifically for later life, it can serve as a dependable element of your financial planning and give added stability when preparation matters most.
Reasons for Choosing Craig Mortgages and Protection...
From our first conversation through to putting the right cover in place, we’re by your side every step of the way. Our service doesn’t stop once your policy is arranged, we continue to support you with everything that follows, from helping you understand your cover and options to assisting with paperwork and making sure any updates or changes are handled smoothly.
Expert Guidance
Clear, knowledgeable advice tailored to your circumstances, ensuring you feel confident at every stage of the journey.
Smooth Process
We handle the details, reduce complexity, and keep everything on track to make the experience as stress‑free as possible.
Market Access
With access to a wide range of trusted insurers, we work to find the most suitable options for your needs.
Ongoing Support
We’re here for you until everything is complete, and beyond, ready to assist whenever you need us.
With access to multiple providers, we'll explore more competitive cover specifically tailored to you.
Frequently Asked Questions
Get quick, helpful answers to the most common questions.
Over 50s policies provide a guaranteed cash payout when you pass away, as long as you keep paying your premiums. Acceptance is typically guaranteed for UK residents within the eligible age range, with no medical questions.
Cover amounts vary by insurer and depend on your age and premium level. These policies usually offer modest payouts intended to help with costs such as funeral expenses.
Usually not, most Over 50s plans offer guaranteed acceptance without medical underwriting.
Many policies have an initial waiting period (often 12–24 months) during which the policy won’t pay out for death due to natural causes. We’ll ensure you understand any waiting periods before you apply.
It is possible, as premiums are paid for life and the benefit amount is fixed. We’ll explain this clearly so you understand how these policies work.