50Life is free for consumers to use.
You do not pay us a fee to read our guides, request a quote or be introduced to a protection adviser.
How the service works
50Life provides information about over 50s life insurance and helps people connect with qualified protection advisers.
When you request a quote, we may pass your enquiry to a selected adviser who can discuss your circumstances and help you compare suitable options available through their service.
How we are paid
If an introduction made through 50Life results in a life insurance policy being taken out, PJG Financial Limited may receive a commission or introduction payment from the adviser, broker or commercial partner involved.
This is how we can provide the 50Life service without charging consumers directly.
You do not pay 50Life
We do not charge you a separate fee for requesting a quote through 50Life.
Any premium you pay for life insurance is paid in accordance with the terms of your policy and the arrangements explained by the insurer or adviser.
Does payment influence the information on 50Life?
Our aim is to provide useful and balanced information.
Commercial relationships do not change the need for information on the website to be clear, fair and not misleading.
Where we discuss a particular insurer or product, this should not be interpreted as a personal recommendation that the product is suitable for you.
Who gives the advice?
50Life does not provide personalised life insurance advice.
Where you are given a personal recommendation, that advice is provided by a qualified protection adviser at the firm you are introduced to.
The adviser should explain:
- Which insurers it can consider
- Whether it considers a panel or another range of products
- How its service works
- How it is paid
- Any relevant restrictions on its service
You should make sure you understand this information before proceeding.
Do we compare the whole market?
50Life should not be treated as a whole of market comparison service.
The adviser you are introduced to may compare products from a selected panel of insurers.
The adviser will explain the scope of its service.
No obligation
Requesting a quote does not require you to buy life insurance.
You can consider the options presented and decide whether you want to proceed.