Is Shepherds Friendly The Best Over 50 Life Insurance Policy?

antoine fruchard Antoine Fruchard  updated on July 29, 2020

This is the ultimate review to guide you through the ins and outs of Shepherds Friendly over 50 insurance. You might already know that Shepherds Friendly has several different contract options. 

Some are great. Some are less useful. Some are simply too expensive.

So, if you want to get better value for money from your Shepherds Friendly over 50 plan, as well as indicative quotes and tips to lower your insurance premium, then you’ll probably love the following article.

Let’s dive right in!

Is Shepherds Friendly over 50 plan the best life insurance?

When taking out life insurance, there are so many things to think about. Life insurance is one of the most important insurance plans to have, as it is the best way to protect your loved ones if something happens to you. 

Shepherds Friendly life insurance has a lot to offer. Here are the main points that you should look at before taking out life insurance with Shepherds Friendly. 

4 Safe overall rating for Shepherds Friendly life insurance

Rating CriteriaSafe RatingOur Review
Customer service satisfaction, claims and support

Access to support services like the Bereavement services in the case of the death of the policyholder
5 star Defaqto rating
Detailed information is provided on the website
No live chat option

Coverage options

Life insurance is provided for policyholders between the ages of 50 and 80
Whole of life cover is offered
Funeral Benefit option is provided
Immediate cover is given if the policyholder dies as a result of an accident
Preferential rates are given to non-smokers.

Value for money

Full cover is given after two years
Fixed premiums for life
Monthly premiums stop when the policyholder is 90 but the cover continues
Love2Shop voucher code worth up to £50 is given to new policyholders

Financial strength

Shepherds Family has been in operation for more than 180 years.

Apps and technologies

Quotes can be taken out online
Detailed information is provided on the website
Social media availability
Chatbot is not available
Live Chat option is not available

Safe rating for Shepherds Friendly over 50 plan Life insurance

Expert and customer satisfaction reviews for Shepherds Friendly

Review organisationConsumer satisfaction rates for Shepherds Friendly over 50 Life insurance Plan
Defaqto5
Experts rating for Shepherds Friendly

Shepherds Friendly insurance in a nutshell

In summary, here are the main features you need to know when taking out life insurance with Shepherds Friendly. 

CriteriaShepherds Friendly details
Minimum age50 years
Maximum age 80 years
Pay-out

Not stated

Extras

Access to bereavement services

Shepherds Friendly life insurance in a nutshell

How does Shepherds Friendly over 50s life insurance work? 

Shepherds Friendly over 50 life insurance is a whole-of-life insurance policy. The idea is to pay your life insurance with monthly installments. The day you pass away, it pays out a lump sum to pay different expenses, such as your funeral. You can also leave a sum of money to your loved ones. 

What cover Shepherds Friendly over 50s life insurance? 

Your loved ones will receive a cash sum that can help towards:

  • Funeral expenses
  • A gift to loved-ones 
  • Unpaid bills, mortgages 

Here are the main features proposed by Shepherds Friendly over 50 insurance:

Features proposed by Shepherds Friendly over 50 planDefinition Details
Fully insured Number of years paid to be fully insured

Full insurance is provided after 2 years.

Funeral ExpenseThis is a free service. It means that the money will go directly to a funeral director and will serve to pay for the funeral.£300
Accidental BenefitIf an accident happens within the first year or second year (if it is two years before you get totally covered), your relatives will receive the cash sum. Immediate accidental death cover is provided.
Free coverThe cover is getting free at a certain age depending on insurance companies.  90 years
Shepherds Friendly life insurance with free giftInsurance companies usually propose free welcome gifts when taking out over 50 life insurance.

A Love2Shop voucher code worth up to £50 is provided when a policyholder buys a Shepherds Friendly plan online and it is gotten once the first payment into the plan has been made.

Shepherds Friendly Over 50 life insurance features

How much is Shepherds Friendly insurance?

How much you will pay for Shepherds Friendly life insurance for over 50 depends on a lot of factors: 

  • Your age 
  • How much cover your want 
  • Some insurers will ask if you are a smoker or not.

Here is a table that recapitulates over 50 Shepherds Friendly plan.

Details
Min payment£10
Max payment£50
Flexible paymentThere is the option to reduce life cover if the policyholder needs to lower his/her monthly premium provided that it is at or above the minimum of £10 per month.
Monthly payment – Over 50 Shepherds Friendly Life Insurance

How to contact Shepherds Friendly life insurance?

Here are all the important phone numbers for contacting Shepherds Friendly life insurance: 

ServicePhone NumbersOpening Hours 
Get a quote at Shepherds Friendly0333 363 5654

Monday to Thursday 9am – 5pm
Friday 9am – 4pm

How to claim at Shepherds Friendly0161 428 1212

Monday to Thursday 9am – 5pm
Friday 9am – 4pm

How to cancel at Shepherds Friendly

0800 526 249

Monday to Thursday 9am – 5pm
Friday 9am – 4pm

Shepherds Friendly phone numbers

What are Shepherds Friendly general contact details? 

You will find in this table all the general contacts that you would need if you want to reach Shepherds Friendly life insurance: 

General contacts
Mailing address

Shepherds Friendly Insurance
Haw Bank House
High Street
Cheadle
Cheshire

Social media 

Twitter, LinkedIn, Facebook

Chatbot

No

Shepherds Friendly general contacts

How to claim at Shepherds Friendly life insurance? 

You will find on this table the different possibilities for reporting a claim on your Shepherds Friendly life insurance: 

How to claim on your life insurance at Shepherds Friendly?
When to claim?

As soon as possible

Claim by mail

Shepherds Friendly
Haw Bank House
High Street
Cheadle
Cheshire
SK8 1AL

Claim by email[email protected]
Claim online

Not available

Claim by phone

0161 428 1212

Claim at Shepherds Friendly life insurance

How to cancel my Shepherds Friendly life insurance? 

You will find on this table the different ways to cancel your Shepherds Friendly life insurance: 

How to cancel your life insurance at Shepherds Friendly
Fees
  • If the insurance policy is cancelled within 30 days, the premium paid would be refunded fully
  • If the insurance policy is cancelled after 30 days, no refunds would be made
Cancel by mail

Not available

Cancel by email

Not available

Cancel onlineNot available
Cancel by phone

0800 526 249

How to cancel my Shepherds Friendly life insurance?

How do I get Shepherds Friendly life insurance quotes? 

Here are the different ways to get a life insurance quote at Shepherds Friendly: 

How to get a life insurance quote at Shepherds Friendly
Quote online

On the Home Page, Click on the "Get a quote" option

Quote phone

0333 363 5654

Get a quote at Shepherds Friendly

How do I log into Shepherds Friendly life insurance?

Click on the "Your Account" option on the Home Page

Do we recommend Shepherds Friendly life insurance?

Shepherds Friendly started its over 50s life insurance service in 1826 and the insurance company provides a wide range of insurance services including insurance cover for policyholders above the age of 50.
Incentives like Funeral Benefit option, Access to Bereavement services are also offered. They have a 5 star Defaqto rating and a strong financial capacity to pay out claims, therefore, their services are recommended.