Over 50 and thinking about the future? At Spirit, we’ve got a plan that’s as easy as it gets: guaranteed payout life insurance with no medical questions, no fuss - just certainty for you and your loved ones. It’s coverage you can count on, placed in trust to outsmart rising inheritance taxes, and loaded with benefits traditional plans leave out. Here’s why this could be the simplest way to look after your loved ones.
No Checks, Just Peace of Mind
If you’re between 50 and 80, you’re in - no doctor visits, no health quizzes. With Spirit’s guaranteed payout, acceptance is a sure thing. After a short waiting period (usually 12-24 months), your family gets a lump sum whenever you pass - perfect for funeral costs, a little extra for the grandkids, or whatever you dream up. It’s straightforward protection, no strings attached.
Trusts: Keeping More for Your Family
Here’s the smart part: every Spirit policy is placed in trust - free of charge. Why does that matter? Inheritance tax can grab up to 40% of anything over £325,000 (depending on allowances), and it’s on the rise. Traditional over-50s plans might let that shrink your payout. We don’t. Our trust setup means your money skips the tax net, landing straight with your loved ones - more for them, less for HMRC.
Spirit’s Extra Spark
Pick a traditional over-50s plan, and you get the basics - same price as Spirit. Pick us, and it’s a different story. Your family gets the guaranteed payout plus a trust plus benefits that go the distance, all sorted by your personal advisor:
- Global Treatment: Care wherever they need it.
- Fracture Cover: Protection for life’s slips and trips.
- Second Medical Opinion: Expert advice on tap.
- GP 24/7: A doctor, anytime they call.
- Physio & Mental Health Support: Strength for every day.
- And More: Extras that make your legacy shine.
One Friendly Face for You
No call queues or confusion - just one advisor, like John (a dad who’d do anything for his kids, Emma and Ross). He’ll get to know you, your wishes, and make sure this plan fits your life - no hassle, no jargon. Got a question? Call your advisor directly. It’s the personal touch traditional plans can’t offer, because at Spirit, we want to help you look after your loved ones.
Your Simple Step Forward
This is about making things easy - guaranteed cover, no medical hoops, and a payout your loved ones can rely on. With Spirit, you’re not just planning ahead; you’re giving more, thanks to our trust and benefits - all at the same cost as the usual stuff. It’s your way to say, “I’ve taken care of it,” with zero stress.
Let’s Get You Started
Ready for a plan that’s all gain, no pain? Drop us a few details, and your dedicated advisor will give you a call - no pressure, just a chat. We’ll set up your guaranteed payout over-50s plan - trust-protected, benefit-packed, and personal. Because at Spirit, looking after your loved ones starts with keeping it simple.