RIAS Over 50s Life Plan Review

  tickPremiums start from £5 a month

tick  Full cover after the first 2 years

tick  Funeral benefit option available

RIAS Over 50s life insuranceRIAS is a specialist provider of products to the 50 plus age group in the UK and is a trading name of Ageas Retail Ltd regulated by the Financial Conduct Authority. The over 50s plan is provided by AIG Life Ltd.

The RIAS Over 50s Life Insurance Plan not only offers a fixed monthly payment plan, but you can also choose an index linked monthly premium which will keep pace with inflation to prevent inflation eroding the value of your cash sum when you die. You should be satisfied that you can afford the increasing premiums each year.

The plan also offer a funeral benefit option offering, which means that if at the outset you select this option an additional 10% of your cash sum will be paid towards your funeral when the time comes. See terms & conditions for full details.

Best Doctors Service

This is a unique feature for over 50s life insurance plans will enable you to get a second opinion from leading experts should you be diagnosed with a chronic or worrying illness. It doesn't cost anything and it could be a useful feature.

More features of the RIAS Over 50s Life Plan


  Cover from £5 a month*


  Full cover after an initial period of 2 years


  Immediate cover should you die as a result of an accident: you would receive three times the amount of the cash sum you are assured for


  Guaranteed to pay our a cash sum when you die


  Acceptance is guaranteed regardless of health issues


  Available to UK residents between the ages of 50 to 80


  Currently offering a £75 M&S Voucher to welcome you

* from £5 a month ages 50 to 70 - £10 a month for ages 71 to 73, £15 a month for ages 74 to 77 and £20 a month for ages 78 to 80 years of age.

Get a Quote

Things to consider

You need to continue paying your premiums until you die. If you stop paying your monthly payments, your cover will cease and you won’t get anything back. 

Your premiums and the amount of cover paid out are fixed; therefore inflation will reduce the value of the cover. 

If you die in the initial 2 year period, the full cash sum would not be paid out however all premiums paid would be refunded. 

Payment is usually made to the estate and therefore could be subject to inheritance tax.

How to get a RIAS Over 50s Life Plan Quote

RIAS don't allow other companies to sell their plans, so to get a quote please visit the RIAS website.

You could also "Compare Quotes" on our site to see how they compare to the other leading over 50s life insurance companies.

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