Terms and Conditions

Who we are

50Life is a trading style of PJG Financial Limited.

PJG Financial Limited is registered in Scotland under company number SC535782. Our registered office is 5 South Charlotte Street, Edinburgh EH2 4AN.

PJG Financial Limited is authorised and regulated by the Financial Conduct Authority under firm reference number 919697 and is registered with the Information Commissioner's Office under registration number ZB537016.

50Life provides information about life insurance for people over 50 and helps users connect with qualified life insurance advisers.

What 50Life does

50Life is an information and introduction service.

We provide information designed to help you understand over 50s life insurance and other life insurance options that may be available.

If you request a quote, we may introduce you to a selected protection adviser who can discuss your circumstances, compare the products available through their service and help you obtain a quote.

50Life does not provide personal life insurance advice or personally recommend an insurance policy to you.

Where regulated financial advice is provided, it is provided by the adviser firm you are introduced to.

That firm will explain the basis and scope of its service before providing advice.

We are not an insurer

50Life does not underwrite life insurance policies.

We do not decide whether an insurer will accept an application, how much an insurer will charge, what level of cover will be offered or the terms on which cover will be provided.

Those decisions are made by insurers and, where appropriate, the adviser or broker involved in your application.

We do not guarantee a quote or acceptance

Submitting an enquiry through 50Life does not guarantee that you will receive a quote or be accepted for life insurance.

Eligibility, premiums, cover levels and policy terms depend on factors such as your age, health, lifestyle, smoking status, the type of policy and the insurer's underwriting criteria.

You should read all policy documents carefully before taking out cover.

Information on our website

We aim to make the information on 50Life clear, useful and accurate.

Our website provides general information only. It does not take account of your full personal or financial circumstances and should not be treated as personalised financial, legal, medical or tax advice.

Insurance products, insurer criteria, prices, tax rules and other information can change.

Although we review our content regularly, we cannot guarantee that every page will always reflect the latest terms available from every provider.

Your responsibilities

When using 50Life or requesting a quote, you agree to provide information that is accurate, complete and not deliberately misleading.

This is particularly important when answering questions about your health, medical history, smoking, lifestyle or other information relevant to an insurance application.

Providing incorrect or incomplete information may affect a quote, an insurer's decision to provide cover or a future claim.

Adviser partners

When you request a quote, we may pass the information you provide to a selected qualified protection adviser.

The adviser firm is responsible for the advice and services it provides.

Before proceeding, you should make sure you understand which firm you are dealing with, the range of insurers it considers and the basis on which it provides its service.

The adviser may compare products from a selected panel rather than the whole UK life insurance market.

No obligation to buy

Requesting a quote through 50Life does not require you to take out a policy.

You are free to consider the information and quotes provided and decide whether you want to proceed.

How we are paid

You do not pay 50Life a fee for using our website or requesting an introduction.

If you take out a policy following an introduction made through 50Life, we may receive a commission or introduction payment from the adviser, broker or another commercial partner.

You can find more information on our How We Make Money page.

Intellectual property

Unless stated otherwise, the text, design, branding, graphics, software and other content on 50Life are owned by or licensed to PJG Financial Limited.

You may use the website for your own personal and lawful purposes.

You must not copy, reproduce, republish, sell or commercially exploit substantial parts of the website without our permission.

Website availability

We aim to keep 50Life available and working correctly.

We do not guarantee that the website will always be available, uninterrupted or free from technical problems.

We may update, change, suspend or withdraw parts of the website when necessary.

Links to other websites

50Life may contain links to insurers, advisers, government organisations, regulators and other third party websites.

These websites are operated independently from us.

We are not responsible for their content, availability, security or privacy practices.

Limitation of liability

Nothing in these terms excludes or limits liability where it would be unlawful to do so.

To the fullest extent permitted by law, PJG Financial Limited is not responsible for losses arising solely from reliance on general information published on 50Life or from the independent acts or decisions of an insurer, adviser or other third party.

Changes to these terms

We may update these terms from time to time.

The current version will always be published on this page.

Governing law

These terms are governed by the law of Scotland.

If you are a consumer living elsewhere in the United Kingdom, you may also benefit from mandatory rights provided by the law that applies where you live.

Contact us

If you have a question about these terms, contact 50Life using the details on our Contact Us page.