{"id":506,"date":"2025-05-21T11:47:59","date_gmt":"2025-05-21T10:47:59","guid":{"rendered":"https:\/\/spencerhayesprotect.co.uk\/?page_id=506"},"modified":"2025-06-20T10:56:52","modified_gmt":"2025-06-20T09:56:52","slug":"over-50s-cover","status":"publish","type":"page","link":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/none-medical-underwritten\/over-50s-cover\/","title":{"rendered":"National Friendly \/\/ Over 50&#8217;s Cover"},"content":{"rendered":"<section class=\"l-section wpb_row height_small color_alternate\"><div class=\"l-section-overlay\" style=\"background:#e3e3e3\"><\/div><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_3 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-image align_none\"><div class=\"w-image-h\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"424\" src=\"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-content\/uploads\/2025\/05\/NationalFriendlylogo-no-BG.png\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-content\/uploads\/2025\/05\/NationalFriendlylogo-no-BG.png 1000w, https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-content\/uploads\/2025\/05\/NationalFriendlylogo-no-BG-300x127.png 300w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_auto width_full\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_2 laptops-cols_inherit tablets-cols_1 mobiles-cols_1 valign_middle type_boxes reversed stacking_default\" style=\"--columns-gap:0px;\"><div class=\"wpb_column vc_column_container us_custom_389f4c7f has_bg_color stretched\"><div class=\"vc_column-inner\"><\/div><\/div><div class=\"wpb_column vc_column_container us_custom_d3c9c392\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h5><strong>Partnering with National Friendly to offer Over 50s Life Insurance \u2013 <span style=\"color: #8e9cb1;\">Peace of Mind for the Future<\/span><\/strong><\/h5>\n<p><strong>What Is Over 50s Life Insurance?<\/strong><\/p>\n<p>Over 50s life insurance is a\u00a0whole of life policy\u00a0designed for individuals aged 50 and above. It guarantees a\u00a0lump sum payout\u00a0to your loved ones when you pass away. This can be used to cover\u00a0funeral costs, settle outstanding bills, or act as a\u00a0gift\u00a0to your family.<\/p>\n<p><strong>Key Benefits<\/strong><\/p>\n<ul>\n<li><strong>Guaranteed acceptance<\/strong> \u2013 no medical required.<\/li>\n<li><strong>Guaranteed payout<\/strong> \u2013 provided you live past the moratorium period.<\/li>\n<li><strong>Use the payout<\/strong> for funeral expenses, gifts, or to support loved ones.<\/li>\n<li><strong>Affordable premiums<\/strong> from as little as \u00a320\/month with National Friendly.<\/li>\n<\/ul>\n<p><strong>Faster Cover with a Unique Option<\/strong><\/p>\n<p>We offer a unique option: answer two simple medical questions and benefit from a shorter 6-month moratorium period \u2013 giving you faster access to the full payout amount.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_auto width_full color_primary\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_2 laptops-cols_inherit tablets-cols_1 mobiles-cols_1 valign_middle type_boxes stacking_default\" style=\"--columns-gap:0px;\"><div class=\"wpb_column vc_column_container us_custom_d3c9c392\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4><strong>A Perfect Solution<\/strong><\/h4>\n<p><strong>Is Over 50s Life Insurance Worth It?<\/strong><\/p>\n<p>Absolutely. It&#8217;s an ideal solution for anyone who may not qualify for traditional life insurance. Whether you want to plan for your funeral or leave a financial cushion for your family, it offers peace of mind knowing you&#8217;re covered.<\/p>\n<p><strong>Which Life Insurance Is Best at Age 50+?<\/strong><\/p>\n<p>This depends on your circumstances:<\/p>\n<ul>\n<li><strong>Term life insurance<\/strong> \u2013 great if you\u2019re in good health and need higher cover for a set period.<\/li>\n<li><strong>Whole of life insurance<\/strong> \u2013 lasts your entire life, offering a guaranteed payout, but often more expensive.<\/li>\n<\/ul>\n<p>Speak to one of our experienced advisors to find the right policy for your personal needs.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container us_custom_28da74b1 has_bg_color stretched\"><div class=\"vc_column-inner\"><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_auto width_full\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_2 laptops-cols_inherit tablets-cols_1 mobiles-cols_1 valign_middle type_boxes reversed stacking_default\" style=\"--columns-gap:0px;\"><div class=\"wpb_column vc_column_container us_custom_c4d8c465 has_bg_color stretched\"><div class=\"vc_column-inner\"><\/div><\/div><div class=\"wpb_column vc_column_container us_custom_d3c9c392\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4><span style=\"color: #8e9cb1;\">FAQ<\/span>&#8216;s<\/h4>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-tabs accordion toggle_style_1 has_scrolling remove_indents\" style=\"--sections-title-size:inherit;--sections-gap:0.5rem;\"><div class=\"w-tabs-sections titles-align_none icon_plus cpos_right\"><div class=\"w-tabs-section\" id=\"n58f\"><button type=\"button\" class=\"w-tabs-section-header\" aria-controls=\"content-n58f\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">At what age should you stop life insurance?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-n58f\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>You may choose to stop when you no longer have a financial obligation. However, many keep life insurance to ensure their partner or family is looked after no matter their age.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"t712\"><button type=\"button\" class=\"w-tabs-section-header\" aria-controls=\"content-t712\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Is 55 too late to get life insurance?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-t712\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>Not at all. It&#8217;s never too late to protect your loved ones. Speak to our team today for tailored advice.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"b86f\"><button type=\"button\" class=\"w-tabs-section-header\" aria-controls=\"content-b86f\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">How much does life insurance cost for a 55-year-old in the UK?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-b86f\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Prices vary, particularly for medically underwritten policies. However, over 50s cover can start from as little as \u00a320 per month, depending on your choices.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"k9fa\"><button type=\"button\" class=\"w-tabs-section-header\" aria-controls=\"content-k9fa\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Is life insurance in your 50s a good idea?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-k9fa\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Yes. Your 50s can still be a key time for financial responsibility. Life insurance ensures protection for your family in case of death or serious illness.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"ib8b\"><button type=\"button\" class=\"w-tabs-section-header\" aria-controls=\"content-ib8b\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Which is better \u2013 term or whole of life?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-ib8b\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><ul>\n<li><strong>Term insurance<\/strong> \u2013 cost-effective and suited for temporary needs.<\/li>\n<li><strong>Whole of life<\/strong> \u2013 more costly but guarantees a payout<\/li>\n<\/ul>\n<p>Your choice depends on health, age, financial goals, and family situation. Our advisors can help you decide.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\" id=\"downloads\"><div class=\"l-section-overlay\" style=\"background:#ebebeb\"><\/div><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container us_custom_cd895498\"><div class=\"vc_column-overlay\" style=\"background:#ffffff\"><\/div><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4 style=\"text-align: center;\">Ready to Protect<br \/>\n<strong><span style=\"color: #8e9cb1;\">Your Loved Ones?<\/span><\/strong><\/h4>\n<p style=\"text-align: center;\">Speak with one of our friendly UK-based advisors today and explore the best options for your needs. Telephone: <a class=\"w-text-h\" href=\"tel:0161 711 0204\"><span class=\"w-text-value\">0161 711 0204<\/span><\/a>.<\/p>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-popup w-btn-wrapper align_justify\"><button class=\"w-popup-trigger type_btn w-btn us-btn-style_7 icon_atleft\" aria-label=\"Contact Us\" type=\"button\"><i class=\"fas fa-list\"><\/i><span class=\"w-btn-label\">Contact Us<\/span><\/button><div class=\"w-popup-overlay\" style=\"background:rgba(0,0,0,0.85);\"><\/div><div class=\"w-popup-wrap layout_default position_center-center\" role=\"dialog\" aria-modal=\"true\" aria-label=\"Popup\" style=\"--title-color:#ffffff;--title-bg-color:#ed9511;--content-color:var(--color-content-text);--content-bg-color:#ffffff;--popup-width:600px;--popup-padding:5%;--popup-wrap-padding:1.5rem 0;\"><button aria-label=\"Close\" class=\"w-popup-closer\" type=\"button\"><\/button><div class=\"w-popup-box animation_fadeIn closerpos_outside with_title\"><div 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If so, simply book a date and time that&#8217;s convenient for you using our booking system.<\/p>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-btn-wrapper align_justify\"><a class=\"w-btn us-btn-style_7 icon_atleft\" target=\"_blank\" href=\"https:\/\/calendly.com\/geastham-spencerhayesgroup\/30-minute-meeting-personal-clone\"><i class=\"fas fa-calendar-alt\"><\/i><span class=\"w-btn-label\">Book a Call<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"Partnering with National Friendly to offer Over 50s Life Insurance \u2013 Peace of Mind for the Future What Is Over 50s Life Insurance? Over 50s life insurance is a\u00a0whole of life policy\u00a0designed for individuals aged 50 and above. It guarantees a\u00a0lump sum payout\u00a0to your loved ones when you pass away. This can be used to...","protected":false},"author":2,"featured_media":0,"parent":474,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-506","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/pages\/506","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/comments?post=506"}],"version-history":[{"count":5,"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/pages\/506\/revisions"}],"predecessor-version":[{"id":544,"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/pages\/506\/revisions\/544"}],"up":[{"embeddable":true,"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/pages\/474"}],"wp:attachment":[{"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/media?parent=506"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}