Our Over 50's Life Plan provides a fixed cash sum and premiums are guaranteed never to rise. No medical or health questions and you're guaranteed acceptance.

The Shepherds Over 50's Life Plan is designed specifcally to provide a cash lump sum for your loved ones on your death - there is no medical required or health questions to answer and you are guaranteed acceptance if you're aged between 50 and 75.

Plans start from as little as £10 a month and you can choose to nominate your payout to Golden Charter, the UK's leading independent funeral plan provider, who will add a further £250 of funeral payouts to your final sum. Your premiums are guaranteed never to rise and your cover will never be reduced, regardless of your future health.

over 50s riding a moped

Over 50's Life Cover Plan

Guaranteed life cover with no medical, no health questions and no worries.

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Just look at what the Over 50's Life Plan has to offer

  • Guaranteed acceptance with no medical
    We simply ask that you are aged between 50 and 75 to guarantee your acceptance.
  • Cover that provides a guaranteed fixed cash sum
    You decide how much you want your family to receive as a cash lump sum on your death and we guarantee that this figure will never be reduced.
  • Premiums that are guaranteed never to rise
    Once you have decided on how much to pay into your new plan each month, we promise that these premiums will never increase.
  • Option to receive an extra £250 of funeral benefits
    You can choose to nominate your final payout to Golden Charter, the UK's leading independent funeral plan provider. They will not only take care of all funeral arrangements but will also contribute an extra £250 towards the cost.

This plan has the following risks

  • If you stop paying your premiums your life cover will end
  • The plan has no cash value
  • You have no life cover within the first 2 years unless your death is accidental
  • The final amount payable is likely to reduce in value because of the effects of inflation
  • Your estate may get back less than you have paid in
  • This life plan is not a funeral plan and therefore may not cover the full cost of a funeral