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that are not answered please call us on 0800 169 4321†.
Guaranteed acceptance over 50s life insurance for UK residents aged between 50 and 80.
Find out how much cover you could get here
No - we guarantee to accept you without a medical. We don't ask any intrusive questions or require a medical report.
There are various factors involved please refer to "How your gender affects your policy premium and benefits" document.
No - your premiums are fixed and will not increase, even as you get older or become ill.
No - we only accept payments by Direct Debit. This is an easy and convenient way to pay your premiums and means you don't need to worry about forgetting to make a payment. What's more, in the unlikely event of an error arising you are guaranteed a refund of any amount paid in error.
If you apply over the internet or by telephone you could be covered immediately.
If you apply by post your cover will start once your application has been processed. You'll receive your policy documents a few days later.
As long as you pay your premiums and your cover is guaranteed for the whole of your life. However, you’ll only pay premiums until you’re aged 90 but your cover will carry on for life. If you stop paying premiums before age 90, the plan will stop and life cover will cease.
You can terminate you policy at any time by writing to us.
Yes - you can increase your cover by taking out additional plans, provided the total monthly premiums payable by you on any plan(s) taken out post 1st January 2007 does not exceed £50. The premiums from any Over 50s Life Cover Plan taken out pre 1st January 2007 are excluded from this limit.
No - the Over 50s Life Cover Plan is not a savings plan and has no cash in value.
All benefits will be paid out free of income and capital gains tax. However, they may be subject to inheritance tax unless your policy is written in trust. The information on this website reflects the Society’s understanding of current law and HMRC Practice which are subject to change.
No commission will be paid.
No - we offer a single life policy. This way, if you each take out a policy the remaining partner still has life cover should one of you die.
Previously known as Homeowners Friendly Society, engage is a well established UK mutual serving its members - we have no shareholders. We have over 28 years experience in providing straightforward, good value savings and life insurance products.
Please use the links below to access the terms and conditions:
Gift voucher terms and conditions
Cashback terms and conditions
We need to be informed in writing of any changes to personal details.
If you have moved house, please download, print and complete this form and return it to the address given.
To change bank details, contact our customer services team on 0800 169 4321† or send your written request to:
engage Mutual Assurance
Hornbeam Park Avenue
Harrogate
HG2 8XE