Life Insurance For Over 40’s and over 50’s

Life is unpredictable and it's a good idea to have a life insurance plan no matter what age you are or stage of life you are in. At laya life we understand that both term life cover and mortgage protection are needed by people across a wide age spectrum and that’s why we are happy to offer cover for Irish adults aged 18 to 59 years of age. 

If you are over 40 or over 50 years old here are some useful points to consider: 

• Your term and max payout might change but the sign-up process and policy will work in exactly the same way no matter what age you are.
• We will not review your life insurance policy for the entire term you have chosen.
• For over 40’s the max level of payout available on the policy will start to reduce, from our maximum of €400,000, in increments depending on your exact age. Our term cover policies only run until you are 69 years old so your max term will reduce in similar increments.
•  For over 50’s you should note that the maximum age for a new customer is 59 years with a max term of 10 years running up to 70th birthday. The max level of payout will reduce depending on your age and term. For example, for over 50’s the max payout level is €100,000.

It’s never too late to consider the security and reassurance that comes from knowing our family or loved ones will be looked after in the event of our death. Insurance policies available for purchase from laya life are straightforward - it’s easy to join, there are no medicals required and if you sign up online, you get a 10% discount on your policy. Laya Healthcare members can also avail of an additional 10% discount.

Get A Quote Online

So, to get a quote for life cover and see how easy it is to join click here.