Comparison at a Glance
FeatureLifetime CoverTime-Limited / AnnualMaximum BenefitDurationUnlimited (resets annually)12 months per conditionNo time limitPayout LimitAnnual limit resetsFixed limit for 12 monthsFixed "pot" of...
Quick Comparison: How They Work
FeatureIncome ProtectionCritical Illness CoverPayout StyleRegular monthly payments (like a salary).A one-off tax-free lump sum.TriggerAny illness or injury that stops you...
1. The Direct Cost Increase
IPT is essentially the "VAT of insurance." While most insurance is exempt from standard VAT, the government applies IPT instead....
Top 10 Over 50s Life Insurance Providers (2026)
RankProviderKey StrengthTrustpilot Rating1SunLifeBroadest age range (49–85) and high cover limits.4.8/52Legal & GeneralExcellent care concierge and nurse support...
