Over 50's Life Insurance
Cream have access to different products for different needs…
As you might expect, life insurance generally becomes more expensive the older you get as your risk of passing away increases. However some providers offer specialised cover for people aged 50 or older, so these groups can find affordable life insurance.
Over-50s life insurance policies offer guaranteed acceptance, so you’ll be able to get cover regardless of your current health or lifestyle. They also offer a guaranteed pay-out providing:
- You survive the qualification period: Over-50s policies often come with a qualification period known as a moratorium, which lasts between one and two years. If you survive this period your beneficiaries will receive the full amount, but if not the pay-out will be based on the amount you’d paid in until then
- You don’t miss any payments: So long as you keep up with your payment schedule your beneficiaries will get their pay-out. But if you miss a payment the policy will lapse – you’ll no longer be covered and you won’t get any return from your previous payments
Your Cream adviser will ensure you get the product you need, with the right provider, at a price you can afford.
Get a Quote
Fill in our quote form and an adviser will contact you to arrange an appointment.
If you have queries about your existing policy please get in touch.
Learn more about Cream, our mission and commitment.
PROTECTED FOR LIFE
Life insurance could be the most important financial product you ever buy.
If you die while you still have dependants, being able to claim on a life insurance policy could be the difference between your loved ones struggling to make ends meet, and their financial security.
Despite this, many of us simply don’t have any life insurance cover in place. Your Cream Financial Services adviser will ensure you get the product you need, with the right provider, at a price you can afford.
Refer a friend
Cream operates a refer and earn scheme and we'll pay up to £50 for each successful Life insurance referral.
Cream offers a free Will service worth £130 which is available with every Life policy taken out.
Every Life policy taken out with Cream has the option to have a free trust set up for you if you wish to do so.
Cream Financial Solutions
49 Waterloo Road
2-4 West Street, Fareham
2nd Floor, Lowry Mill
Lees Street, Manchester
Bespoke tailored insurance solutions built around you and your family. Completely free initial consultation. Quality, personal advice.