Life Cover for over 50s

Life Cover for over 50s

Call Today on 01 870 0370 or Email

"I contacted Cregan Kelly O'Brien through their website. I found their service to be first class. Colm called out to me and explained all the life cover options available and advised on the best cover for me."

Seamus Gannon, Galway
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Over 50's Life Insurance

There are two options available to us when getting life cover for over 50's.

Option 1:

We will endeavour to get life insurance for you through the normal route i.e. You complete an application form with personal/medical details and the case is underwritten to provide acceptance terms. We guarantee to get you the best quote on the market for this type of cover.

Option 2:

If we cannot get you accepted through Option 1, we can offer Guaranteed Life Cover without the need to provide any medical information. This type of life cover is a guaranteed acceptance protection plan for the over 50s, which could give your family or estate a guaranteed lump sum when you die. This product works as follows:

  • Set amount of life cover at a guaranteed price for the rest of your life
  • No medical information requested
  • During the first two years of your policy, if you die as a result of an accident, you are fully covered for the benefit chosen. If however, you die as a result of anything other than an accident, a refund of payments will be made to your estate.
  • After the first two years of your policy, a full payment would be made should you die.

The initial two year waiting period for full cover is imposed due to the fact that you are not providing any medical evidence to the insurer.

If you would like advice or are looking to get a quotation just enter your details in the box provided or call us at 01 8700370. We have qualified and experienced staff who can deal with all of your questions. Phone Colm or Lindsey and we will answer all of your questions and can provide you with a quotation.

We are Fully Independent Brokers and Regulated by The Central Bank of Ireland as Authorised Advisors.

Contact us to get a quote if any of the following apply to you:

  • Do you have a policy that is due up for review where the new premium has increased and you want to get an alternative quotation (generally a whole of life policy)?
  • Do you want to arrange a mortgage protection policy to cover a loan or mortgage you are taking out?


Financial Life & Planning Limited T/A Cregan Kelly O'Brien Financial Planning are responsible for handling all aspects of Financial Planning for individuals and business owners including advice on Pensions and Retirement planning , Saving and investments , Life and Serious Illness cover and Income Protection cover and business protection  offered on this website. Finance Life and Pensions Limited is regulated by the Central Bank of Ireland.

About Cregan Kelly O'Brien


In 2007 Maurice Cregan and Colm Kelly established CK Financial Services to provide financial planning and advice to business owners and individuals. Tommy O'Brien, a General Insurance expert, then joined them in 2010, enabling them to meet the full financial needs of their clients. Financial Life & Planning Limited would deliver Financial Services, and O'Brien Cregan Kelly Insurances would deliver Insurance Broking services. Two Business Names were registered Cregan Kelly O'Brien Financial Planning and Cregan Kelly O'Brien Insurances

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Finance Life and Pensions Limited trading as Cregan Kelly O'Brien Financial Planning is regulated by the Central Bank of Ireland

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