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.

Existing Customers

If you have queries about your existing policy please get in touch.

About Cream

Learn more about Cream, our mission and commitment.

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 £150 for each successful Life insurance referral.



Free Will

Cream offers a free Will service worth £130 which is available with every Life policy taken out.

Free Trust
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

Southern Office
Trinity Court
2-4 West Street, Fareham
PO16 0BH

Northern Office
Second Floor
Focus House
1 Central St

Bespoke tailored insurance solutions built around you and your family. Completely free initial consultation. Quality, personal advice.