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Legal and General Over 50s Plan


Legal and General Over 50s Plan: A Comprehensive Guide

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Discover the benefits of the legal and general over 50s plan. This comprehensive guide outlines everything you need to know, from eligibility criteria to FAQs. Secure your future today.


Securing your financial future is a priority, especially as you approach your 50s. The legal and general over 50s plan is a tailored solution designed to provide peace of mind and financial stability. In this guide, we'll delve into the intricacies of this plan, addressing key questions and offering valuable insights.

Understanding the Legal and General Over 50s Plan

What is the Legal and General Over 50s Plan?

The legal and general over 50s plan is a life insurance policy specifically designed for individuals aged 50 and above. It offers a guaranteed lump sum payout to your loved ones upon your passing, providing financial security during a critical time.

Eligibility Criteria

To qualify for the legal and general over 50s plan, you must be between the ages of 50 and 80. Unlike traditional life insurance policies, there are no medical examinations or intrusive questions about your health.

Benefits of the Plan

  • Financial Security: Ensure your loved ones have the support they need.
  • Fixed Premiums: Your monthly payments remain constant throughout the policy term.
  • Guaranteed Payout: A lump sum is guaranteed upon your passing.

How Does It Work?

The legal and general over 50s plan is straightforward. You choose a monthly premium that fits your budget and, in return, your loved ones receive a tax-free lump sum payout upon your passing. The policy term typically lasts until you turn 90, offering long-term protection.

Applying for the Legal and General Over 50s Plan

Application Process

Securing your legal and general over 50s plan is a hassle-free process. Simply fill out the application form with your personal details and choose a premium that aligns with your financial capacity.

Waiting Period

It's important to note that there is typically a waiting period, usually 12 to 24 months, before the full benefits of the plan are in effect. This ensures that the plan remains financially sustainable for all policyholders.

FAQs: Legal and General Over 50s Plan

Is a Medical Examination Required?

No, one of the remarkable aspects of this plan is that no medical examination is required. Your acceptance is based solely on your age and the information provided in the application.

Can I Change My Premiums Later?

Once your policy is in effect, it's not possible to change your premiums. However, you can discuss your options with a legal and general representative before finalizing your plan.

What Happens if I Miss a Premium Payment?

If you miss a premium payment, your policy may be canceled, and your coverage will cease. It's crucial to make timely payments to ensure continuous protection for your loved ones.

Can I Cancel My Policy?

Yes, you have the option to cancel your policy at any time. However, keep in mind that you won't receive any refunds for previous premium payments.

Is the Payout Taxable?

No, the lump sum payout provided by the legal and general over 50s plan is entirely tax-free, offering your beneficiaries full financial support.

What if I Live Beyond 90?

If you surpass the age of 90, your premiums will cease, but your coverage remains intact for life, providing continued peace of mind.


The legal and general over 50s plan is a valuable investment in your future and the well-being of your loved ones. With its straightforward application process and guaranteed benefits, it provides essential financial security. Explore your options today and take a significant step towards a worry-free tomorrow.