A life insurance Plan specifically designed for those over the age of 50, who are guaranteed to be accepted without any medicals or health questions.

Ideal for protecting your family, particularly dependents, from financial burdens that could arise from the death of the life assured, the Plan can help pay inheritance taxes, as well as associated bills and expenses, cover funeral costs, may replace lost income, while it can also be used to leave a sum of money behind as a form of legacy.

What are the benefits of the Guaranteed Over 50s Plan?

  • You can get cover today with no medical or health checks. 
  • As long as you are a Maltese resident aged between 50 and 80 and can confirm two simple medical questions, your acceptance is guaranteed. 
  • You can select the level of premium you want to pay and we guarantee a fixed amount of life insurance based on your age when the policy starts. 
  • If you reach your 90th birthday you stop paying your premiums but the life insurance will continue for the rest of your life.
  • Cash lump sum will be paid out to your loved ones when you die. 
  • Premiums are guaranteed never to increase. 
  • The money is paid tax free under current legislation. 
  • The Plan also offers the option to designate one or more beneficiaries to ensure that it pays out quickly and directly to the people you want the money to go to. 

Key Features

Guaranteed over 50s Plan
TypeWhole of Life Protection
Minimum Premium€5 – €100 monthly (Premiums will stop at age 90)
Age of insured personBetween 50 and 70
Period of coverWhole of Life
Number of insured persons1
Standard BenefitsDeath Benefit