Over 50s Life Insurance
Get a personalised quote for affordable life cover.
- Guaranteed acceptance for ages 50-79
- No medical or health checks
- 48 Hour payout*
- Cover from just 16p per day**
Get a personalised quote for affordable life cover.
Leave a cash lump sum for your loved ones after you’re gone to help with final expenses or provide a cash gift.
Cover available from £1k - £20k
Immediate accidental death cover
Friendly UK based agents
Complete our short form which takes less than 30 seconds and we will do the rest!
We match your requirements to a suitable provider who will be able to help you with your enquiry.
Friendly agents will be in touch to provide you with a range of quotes and discuss possible next steps. This initial consultation is free with absolutely no obligation.
People choose Over 50s life cover to help them leave a cash payout for their loved ones when they pass away. In return for a monthly payment the policy pays out a fixed sum when the time comes.
How much the cover costs is completely up to you. It will ultimately depend on age and the amount of cover taken out (with options from £1k to £20k available). The partners that we work with offer affordable options starting from just 16p per day**.
Claims are generally paid within 48 hours* of the claim being received if not an extra £250 will be added to the payout.
Ableplan.uk only works with providers that are approved and regulated by the UK’s Financial Conduct Authority. The details you share with us are held safely and securely, and are only used to find you a suitable life insurance plan for your needs. For more information, please look at our data and privacy policies.
32 Squared Media Ltd understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, www.ableplan.uk (“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.
In this Policy the following terms shall have the following meanings:
means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 13, below;
means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;
means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means Personal Data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); and
Means 32 Squared Media Limited, Company Number 09095076.
Registered address: Henleaze Business Centre, 13 Harbury Road, Henleaze, Bristol BS9 4PN
|2.1||Our Site is owned and operated by the Company.|
|2.2||Our Data Protection Officer can be contacted at firstname.lastname@example.org. Data is collected, processed and maintained in accordance with the Data Protection Act 1998. Registration Number: ZA171363|
|4.1||As a data subject, you have the following rights under the GDPR, which this
Policy and Our use of personal data have been designed to uphold:
|4.2||If you have any cause for complaint about our use of your personal data, please contact us using the details provided in section 14 and we will do our best to resolve the problem for you. If we are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.|
|4.3||For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.|
date of birth;
contact information such as email addresses and telephone numbers;
demographic information such as post code;
web browser type and version;
a list of URLs starting with a referring site, your activity on Our Site, and the site you exit to;
|6.1||All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under GDPR at all times. For more details on security see section 8, below.|
|6.2||Our use of your personal data will always have a lawful basis, either
because it is necessary for Our performance of a contract with you, because
you have consented to Our use of your personal data (e.g. by subscribing to
emails), or because it is in Our legitimate interests. Specifically, We may
use your data for the following purposes:
|6.3||You have the right to withdraw your consent to us using your personal data at any time, and to request that we delete it.|
|6.4||We do not keep your personal data for any longer than is necessary in light
of the reason(s) for which it was first collected. Data will therefore be
retained for the following periods (or its retention will be determined on
the following bases):
24 Months from the date of the last submission of data.
|7.1||We will contract a third party to supply products and services to you on our behalf. These may include payment processing, delivery of goods, search engine facilities, advertising, and marketing. In some cases, the third parties may require access to some or all of your data. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law. For the purposes of an Equity Release quote enquiry you will contacted exclusively by phone and/or email by one of the FCA authorised partners of Candid Web Assets Ltd, which includes Key Equity Release, a trading name of Key Retirement Solutions. For the purposes of an Over 50s Life Insurance enquiry this may include Promis Life.|
|7.2||We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such data with third parties such as prospective investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.|
|7.3||In certain circumstances, we may be legally required to share certain data held by us, which may include your personal data, for example, where we are involved in legal proceedings, where we are complying with legal requirements, a court order, or a governmental authority.|
|7.4||You have the right to withdraw your consent to Us using your personal data at any time, and to request that We delete it.|
|7.5||We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected.|
|8.1||We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.|
|8.2||Your data will only be stored within the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site.|
|9.2||In the event that any of your data is to be transferred in such a manner, you will be contacted in advance and informed of the changes. When contacted you will be given the choice to have your data deleted or withheld from the new owner or controller.|
|10.1||In addition to your rights under the GDPR, set out in section 4, when you submit personal data via Our Site, you may be given options to restrict Our use of your data. In particular, We aim to give you strong controls on Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails and at the point of providing your details).|
|10.2||You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.|
|11.1||You may access Our Site without providing any data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.|
You have the right to ask for a copy of any of your personal data held by Us (where such data is held) Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us using the contact details below in section 14.
Our aim is not to give you cause to complain. However, if you feel you do have cause to complain, you are welcome to submit your concerns to us by email at . Under the GDPR you have the right to complain to Information Commissioner’s Office (www.ico.org.uk). We treat any complaints very seriously and we would appreciate the opportunity to try to resolve any issues in the first instance.
1.1 In these Terms and Conditions, unless the context otherwise requires, the following expressions have the following meanings:
means an account required to access and/or use certain areas and features of Our Site;
means any and all text, images, audio, video, scripts, code, software, databases and any other form of information capable of being stored on a computer that appears on, or forms part of Our Site.
means a small file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site.
means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 and of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”).
means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data, as defined EU Regulation 2016/679 General Data Protection Regulation (“GDPR”).
2.1 (“Our Site”), is owned and operated by the Company.
3.1 Access to Our Site is free of charge.
3.2 It is your responsibility to make any and all arrangements necessary in order to access Our Site.
3.3 Access to Our Site is provided “as is” and on an “as available” basis. We may alter, suspend or discontinue Our Site (or any part of it) at any time and without notice. We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.
4.1 All Content included on Our Site and the copyright and other intellectual
property rights subsisting in that Content, unless specifically labelled otherwise,
belongs to or has been licensed by us.
4.2 Subject to sub-Clauses 4.3 you may not reproduce, copy, distribute, sell, rent, sub-licence, store, or in any other manner re-use Content from our Site unless given express written permission to do so by us.
4.3 You may:
4.3.1 Access, view and use our site in a web browser (including any web browsing capability built into other types of software or app);
4.3.2 Download Our Site (or any part of it) for caching;
4.3.3 Print pages from our site;
4.3.4 Download extracts from pages on our site; and
4.3.5 Save pages from Our Site for later and/or offline viewing.
4.4 Our status as the owner and author of the Content on Our Site (or that of identified licensors, as appropriate) must always be acknowledged.
4.5 You may not use any Content saved or downloaded from Our Site for commercial purposes without first obtaining a licence from Us (or our licensors, as appropriate) to do so. This does not prohibit the normal access, viewing and use of Our Site for general information purposes whether by business users or consumers.
5.1 You may link to Our Site provided that:
5.1.1 You do so in a fair and legal manner;
5.1.2 You do not do so in a manner that suggests any form of association, endorsement or approval on Our part where none exists;
5.1.3 You do not use any logos or trademarks displayed on our site without Our express written permission; and
5.1.4 You do not do so in a way that is calculated to damage our reputation or to take unfair advantage of it.
5.2 You may not link to Our Site from any other site the main content of which contains material that:
5.2.1 is sexually explicit;
5.2.2 is obscene, deliberately offensive, hateful or otherwise inflammatory;
5.2.3 promotes violence;
5.2.4 promotes or assists in any form of unlawful activity;
5.2.5 discriminates against, or is in any way defamatory of, any person, group or class of persons, race, sex, religion, nationality, disability, sexual orientation, or age;
5.2.6 is intended or is otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person;
5.2.7 is calculated or is otherwise likely to deceive another person;
5.2.8 is intended or is otherwise likely to infringe (or to threaten to infringe) another person’s privacy;
5.2.9 misleadingly impersonates any person or otherwise misrepresents the identity or affiliation of a particular person in a way that is calculated to deceive (obvious parodies are not included in this definition provided that they do not fall within any of the other provisions of this sub-Clause 5.4);
5.2.10 implies any form of affiliation with Us where none exists;
5.2.11 infringes, or assists in the infringement of, the intellectual property rights (including, but not limited to, copyright, trademarks and database rights) of any other party; or
5.2.12 is made in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence.
5.3 The content restrictions in sub-Clause 5.2 do not apply to content submitted to sites by other users provided that the primary purpose of the site accords with the provisions of sub-Clause 5.2. You are not, for example, prohibited from posting links on general-purpose social networking sites merely because another user may post such content. You are, however, prohibited from posting links on websites which focus on or encourage the submission of such content from users.
Links to other sites may be included on Our Site. Unless expressly stated, these sites are not under Our control. We neither assume nor accept responsibility or liability for the content of third party sites. The inclusion of a link to another site on Our Site is for information only and does not imply any endorsement of the sites themselves or of those in control of them.
7.1 Nothing on Our Site constitutes advice on which you should rely. It is provided
for general information purposes only.
7.2 Insofar as is permitted by law, We make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.
7.3 We make reasonable efforts to ensure that the Content on Our Site is complete, accurate, and up-to-date. We do not, however, make any representations, warranties or guarantees (whether express or implied) that the Content is complete, accurate, or up-to-date.
8.1 To the fullest extent permissible by law, We accept no liability to any user for
any loss or damage, whether foreseeable or otherwise, in contract, tort (including
negligence), for breach of statutory duty, or otherwise, arising out of or in
connection with the use of (or inability to use) Our Site or the use of or reliance
upon any Content included on Our Site.
8.2 To the fullest extent permissible by law, We exclude all representations, warranties, and guarantees (whether express or implied) that may apply to Our Site or any Content included on Our Site.
8.3 If you are a business user, We accept no liability for loss of profits, sales, business or revenue; loss of business opportunity, goodwill or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.
8.4 We exercise all reasonable skill and care to ensure that Our Site is free from viruses and other malware. We accept no liability for any loss or damage resulting from a virus or other malware, a distributed denial of service attack, or other harmful material or event that may adversely affect your hardware, software, data or other material that occurs as a result of your use of Our Site (including the downloading of any Content from it) or any other site referred to on Our Site.
8.5 We neither assume nor accept responsibility or liability arising out of any disruption or non-availability of Our Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship.
8.6 Nothing in these Terms and Conditions excludes or restricts Our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law. For full details of consumers’ legal rights, including those relating to digital content, please contact your local Citizens’ Advice Bureau or Trading Standards Office.
9.1 We exercise all reasonable skill and care to ensure that Our Site is secure and
free from viruses and other malware.
9.2 You are responsible for protecting your hardware, software, data and other material from viruses, malware, and other internet security risks.
9.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site.
9.4 You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.
9.5 You must not attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.
9.6 By breaching the provisions of sub-Clauses 9.3 to 9.5 you may be committing a criminal offence under the Computer Misuse Act 1990. Any and all such breaches will be reported to the relevant law enforcement authorities and We will cooperate fully with those authorities by disclosing your identity to them. Your right to use Our Site will cease immediately in the event of such a breach.
10.1 You may only use Our Site in a manner that is lawful. Specifically:
10.1.1 you must ensure that you comply fully with any and all local, national or international laws and/or regulations;
10.1.2 you must not use Our Site in any way, or for any purpose, that is unlawful or fraudulent;
10.1.3 you must not use Our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind; and
10.1.4 you must not use Our Site in any way, or for any purpose, that is intended to harm any person or persons in any way.
10.2 We reserve the right to suspend or terminate your access to Our Site if you materially breach the provisions of this Clause 10 or any of the other provisions of these Terms and Conditions. Specifically, We may take one or more of the following actions:
10.2.1 suspend, whether temporarily or permanently, your right to access Our Site;
10.2.2 issue you with a written warning;
10.2.3 take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach;
10.2.4 take further legal action against you as appropriate;
10.2.5 disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or
10.2.6 any other actions which We deem reasonably appropriate (and lawful).
10.3 We hereby exclude any and all liability arising out of any actions (including, but not limited to those set out above) that We may take in response to breaches of these Terms and Conditions.
11.1 Our Site may place and access certain first party Cookies on your computer or
device. First party Cookies are those placed directly by Us and are used only by Us.
and improve Our products and services. We have carefully chosen these Cookies and
have taken steps to ensure that your privacy and Personal Data is protected and
respected at all times.
11.2 By using Our Site, you may also receive certain third party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than Us. Third party Cookies are used on Our Site for marketing services. For more details, please refer to section 11.3.5 below.
11.3 All Cookies used by and on Our Site are used in accordance with current Cookie Law. We may use some or all of the following types of Cookie:
11.3.1 Strictly Necessary Cookies – A Cookie falls into this category if it is essential to the operation of Our Site, supporting functions such as logging in, your shopping basket, and payment transactions.
11.3.2 Analytics Cookies – It is important for Us to understand how you use Our Site, for example, how efficiently you are able to navigate around it, and what features you use. Analytics Cookies enable us to gather this information, helping Us to improve Our Site and your experience of it.
11.3.3 Functionality Cookies – Functionality Cookies enable Us to provide additional functions to you on Our Site such as personalisation and remembering your saved preferences. Some functionality Cookies may also be strictly necessary Cookies, but not all necessarily fall into that category.
11.3.4 Targeting Cookies – It is important for Us to know when and how often you visit Our Site, and which parts of it you have used (including which pages you have visited and which links you have visited). As with analytics Cookies, this information helps us to better understand you and, in turn, to make Our Site and advertising more relevant to your interests. Some information gathered by targeting Cookies may also be shared with third parties.
11.3.5 Third Party Cookies – Third party Cookies are not placed by Us; instead, they are placed by third parties that provide services to Us and/or to you. Third party Cookies may be used by advertising services to serve up tailored advertising to you on Our Site, or by third parties providing analytics services to Us (these Cookies will work in the same way as analytics Cookies described above).
11.3.6 Persistent Cookies – Any of the above types of Cookie may be a persistent Cookie. Persistent Cookies are those which remain on your computer or device for a predetermined period and are activated each time you visit Our Site.
11.3.7 Session Cookies – Any of the above types of Cookie may be a session Cookie. Session Cookies are temporary and only remain on your computer or device from the point at which you visit Our Site until you close your browser. Session Cookies are deleted when you close your browser.
11.4 Cookies on Our Site are not permanent and will expire after 30 days.
11.6 For more specific details of the Cookies that We use, please refer to the table below.
12.1 Before Cookies are placed on your computer or device, you will be shown a pop up
requesting your consent to set those Cookies. By giving your consent to the placing
of Cookies you are enabling Us to provide the best possible experience and service
to you. You may, if you wish, deny consent to the placing of Cookies unless those
Cookies are strictly necessary; however certain features of Our Site may not
function fully or as intended. You will be given the opportunity to allow and/or
deny different categories of Cookie that We use.
12.2 In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
12.3 The links below provide instructions on how to control Cookies in all mainstream browsers:
12.3.1 Google Chrome: https://support.google.com/chrome/answer/95647?hl=en-GB
12.3.2 Microsoft Internet Explorer: https://support.microsoft.com/en-us/kb/278835
12.3.3 Microsoft Edge: https://support.microsoft.com/en-gb/products/microsoft-edge (Please note that there are no specific instructions at this time, but Microsoft support will be able to assist)
12.3.4 Safari (macOS): https://support.apple.com/kb/PH21411?viewlocale=en_GB&locale=en_GB
12.3.5 Safari (iOS): https://support.apple.com/en-gb/HT201265
12.3.6 Mozilla Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-Cookies-website-preferences
12.3.7 Android: https://support.google.com/chrome/answer/95647?co=GENIE.Platform%3DAndroid&hl=en (Please refer to your device’s documentation for manufacturers’ own browsers)
binding on you on your first use of Our Site after the changes have been made. You
are therefore advised to check this page from time to time.
16.1 We may alter these Terms and Conditions at any time. Any such changes will
become binding on you upon your first use of Our Site after the changes have been
implemented. You are therefore advised to check this page from time to time.
16.2 In the event of any conflict between the current version of these Terms and Conditions and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.
17.1 Any and all Personal Data that We may collect will be collected, used and held
in accordance with the provisions of the GDPR and your rights and Our obligations
under the same.
17.2 We may use your Personal Data to:
17.2.1 Reply to any communications you send to us;
17.3 For more information on our Data Protection Policy, please refer to the Data Protection Privacy Notice here here.
18.1 These Terms and Conditions, and the relationship between you and Us (whether
contractual or otherwise) shall be governed by and construed in accordance with the
laws of England and Wales.
18.3 If you are a consumer, any dispute, controversy, proceedings or claim between you and Us relating to these Terms and Conditions, or the relationship between you and Us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of England and Wales.
18.4 If you are a business, any disputes concerning these Terms and Conditions, the relationship between you and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of England and Wales.