Assurity life insurance review 2026
A look at Assurity’s over 50s life insurance: who is behind the brand, who provides the cover, the policy terms, the insurer’s claims figures and ratings.
- Defaqto
- 3 out of 5 stars
- Over 50s plan
- Fairer Finance
- 2 out of 5 stars
- Over 50s plan
- Accidental death only
- 3 years
- Then any cause of death
- Entry age
- 50–80
- 50–75 if you smoke
In a nutshell
A Howden broker brand rather than an insurer: Assurity arranges an over 50s whole of life plan that is designed, underwritten and administered by National Friendly, a Bristol mutual established in 1868.
- The Over 50s Whole of Life Product is designed to pay a fixed cash sum when you die, with guaranteed acceptance and no health assessment or medical, for UK residents aged 50 to 80 (50 to 75 if you smoke).
- In the first three years it pays the cash sum only for an accidental death; for any other death in that time it pays back the premiums paid. After three years it pays whatever the cause of death.
- Premiums are fixed when the policy starts and stop on the policy anniversary after your 95th birthday, while cover continues for life. The plan has no cash-in value.
- You can hold more than one Assurity over 50s policy, as long as the total premium doesn’t exceed £100 a month.
- Rated 3 stars by Defaqto and 2 stars by Fairer Finance. Howden Life & Health, a trading style of the same Howden company that holds the Assurity name, is rated 4.9 out of 5 on Trustpilot from 12,058 reviews.
- National Friendly’s claims page says 100% of its ‘Over 50s Life Cover’ claims were paid. It gives no period for the figure and doesn’t show whether Assurity policies are included.
Who are Assurity?
Assurity isn’t an insurance company. It’s a trading name of Howden Employee Benefits & Wellbeing Limited, an independent insurance intermediary that is part of the Howden Group. The FCA register lists Assurity as one of its trading names from 19 August 2024, and Howden’s terms of business also list Assurity among its trading names.
- Trading name of
- Howden Employee Benefits & Wellbeing Limited
- FCA firm reference
- 312841
- Registered in England and Wales
- No. 02248238
- Registered office
- One Creechurch Place, London EC3A 5AF
- Group
- Howden Group
- Over 50s plan insurer
- National Friendly (National Deposit Friendly Society Limited)
- Insurer’s FCA register number
- 110008
- Earlier trading name of
- Assured Futures Limited, renamed Howden Life & Health Limited in November 2023 (5 September 2016 to 4 October 2024)
Assurity doesn’t provide the insurance itself. Its Over 50s Whole of Life Product is arranged by Assurity but designed, underwritten and administered by National Friendly, and the policy terms form the contract between you and National Friendly. National Friendly is a trading name of National Deposit Friendly Society Limited, a mutual society based in Bristol that is owned by its members and was established in 1868.
The FCA register shows Assurity as a trading name of Assured Futures Limited, an insurance broker, from 5 September 2016. Assured Futures and its parent, A-Plan, joined the Howden group just over two years before 1 November 2023, when Assured Futures was renamed Howden Life & Health Limited. The Assurity trading name moved to Howden Employee Benefits & Wellbeing Limited in 2024, and the former Assured Futures company was dissolved on 28 October 2025.
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1868
National Friendly, the insurer behind today’s over 50s plan, is established
-
1995
Assured Futures Limited is incorporated
-
2016
The FCA register lists Assurity as a trading name of Assured Futures; the September 2016 over 50s policy summary names Covéa Life as the insurer
-
2022
The over 50s policy summary naming National Friendly as the insurer takes effect on 1 April
-
2023
Assured Futures is renamed Howden Life & Health Limited
-
2024
Assurity becomes a trading name of Howden Employee Benefits & Wellbeing Limited
-
2025
The former Assured Futures company is dissolved
The 2022 Assurity policy documents still name Assured Futures Ltd, registered at 2 Des Roches Square, Witney, as the company behind the Assurity name. When Assured Futures was renamed, Howden said insurance policies would not change in any way.
National Assurance is set up in a similar way. Its 2022 over 50s policy summary names it as a trading name of Assured Futures, its plan is also underwritten by National Friendly, and National Assurance Services is now another trading name of the same Howden company.
Whether it’s the right choice for you depends on the cover you need and the price you’re offered, so it’s worth comparing plans before you decide.
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Assurity life insurance ratings and reviews
Here’s how Assurity’s over 50s plan is rated by independent product experts. The Trustpilot score below is for Howden Life & Health, another trading name of the same Howden company, so it covers the whole broker rather than Assurity policies.
| Review site | Rating | What it means |
|---|---|---|
| Trustpilot | 4.9 / 5 · Excellent | Based on 12,058 reviews of Howden Life & Health, 3,147 of them in the last 12 months, with 93% of reviews giving 5 stars. The profile is claimed, with a paid Trustpilot subscription, and Howden Life & Health invites its customers to leave reviews. View on Trustpilot (opens in a new tab) |
| Defaqto | 3 stars | Defaqto rates each product from 1 to 5 stars. It rates Assurity’s Over 50s Whole Of Life Plan 3 stars in its over 50s life assurance category. View on Defaqto (opens in a new tab) |
| Fairer Finance | 2 stars | Fairer Finance’s product rating for the Assurity Over 50s Whole of Life Product. Its product table lists premiums stopping at 95, level cover and a maximum age of 80. View on Fairer Finance (opens in a new tab) |
Defaqto rating for the Assurity over 50s plan
Defaqto rates each product from 1 to 5 stars. It lists Assurity in its over 50s life assurance category, where the Over 50s Whole Of Life Plan has 3 stars.
| Policy | Range | Defaqto rating |
|---|---|---|
| Over 50s life insurance | Over 50s Whole Of Life Plan | 3 out of 5 stars |
Ratings checked on 24 September 2026 and may have changed since. Defaqto ratings: defaqto.com (opens in a new tab)
Fairer Finance’s brand page still says Assurity’s policies are underwritten by Covea Life. That was true of the earlier version of the plan, with a policy summary dated September 2016, but the version effective 1 April 2022 is designed, underwritten and administered by National Friendly.
What does Assurity life insurance cover?
Assurity’s Over 50s Whole of Life Product is designed to pay a one-off cash sum when you die. You choose the level of cover you need or can afford, and it stays fixed for the life of the policy. Cover continues for the rest of your life, as long as you keep paying the premiums.
The policy summary says the cash payment could help pay towards funeral expenses or any outstanding debts, or simply be a gift to loved ones. The money could help your family with:
- Funeral costs
- Outstanding debts
- Household bills and everyday living costs
- A gift for the people you love
How much the plan pays depends on when you die. In the first three years it pays the cash sum only for an accidental death; if you die of anything else in that time, it pays an amount equal to all the premiums you’ve paid. After three years, it pays the cash sum whatever the cause of death, including disease, natural causes or illness.
The plan isn’t a savings or investment plan, so it has no cash-in or surrender value at any time. Depending on how long you live, the premiums you pay in total may be more than the cash sum paid out, and inflation will reduce the value of the cash sum over time.
Assurity life insurance policy options
Assurity arranges the Over 50s Whole of Life Product, a whole of life plan with guaranteed acceptance for UK residents aged 50 to 80 (75 if you smoke), which is designed, underwritten and administered by National Friendly. The Assurity name is also on a short-term income protection policy, administered by MMS and underwritten by Arch Insurance (UK) Limited; its website sends new enquiries to Howden Life & Health.
-
Over 50s whole of lifeDesigned to pay a fixed cash sum when you die, with guaranteed acceptance and no medical. Full cover for any cause of death after the first three years.
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Income protectionShort-term accident, sickness and unemployment cover, paying up to £2,000 a month for 6 or 12 months. New enquiries go to Howden Life & Health.
Over 50s Whole of Life Product
You can take out the plan if you’re aged 50 to 80 and don’t smoke, or 50 to 75 if you smoke. You also need to be physically living in the UK and be a UK citizen or have permission to live in the UK permanently. The UK here means England, Scotland, Wales and Northern Ireland, not the Channel Islands or the Isle of Man.
If you meet those conditions, acceptance is guaranteed: there’s no health assessment or medical. The policy starts as soon as your application has been processed.
Your premium is guaranteed when the policy starts, and National Friendly promises not to increase it. You pay monthly by direct debit until the policy anniversary after your 95th birthday. After that, no more premiums are due and you stay covered for the rest of your life.
You can hold more than one Assurity over 50s policy, as long as the total monthly premium across them doesn’t exceed £100, or £1,200 a year. A policy that takes you over the limit is cancelled, and the premiums paid for it are returned without interest.
Accidental death cover in the first three years
For the first three years, the cash sum is paid only if you die an accidental death: death solely from, and within 90 days of, a physical injury caused by external, violent and visible means in a sudden and unforeseen event. If you die in those three years from any other cause, the plan pays a sum equal to all the premiums you’ve paid.
The accidental death cover doesn’t pay the cash sum for a death caused by sickness, disease or a naturally occurring or degenerative condition; suicide or intentional self-inflicted injury; taking drugs, drinking alcohol or consuming poisonous substances; actively taking part in a riot, civil commotion, uprising, war or criminal act; hazardous pursuits such as motor sports, roped mountaineering, potholing or diving with breathing apparatus; or aviation, except as a fare-paying passenger on a commercial licensed aircraft.
After the first three years, the cash sum is paid whatever the cause of death.
Earlier version underwritten by Covéa Life
The Assurity over 50s plan used to be underwritten and administered by Covéa Life Limited. That version, with a policy summary dated September 2016, took applicants aged 50 to 80, had the same three-year accidental death period and £100 monthly premium limit, and stopped premiums at the 90th birthday rather than the policy anniversary after the 95th.
If you have an older Assurity policy, check which insurer your own policy documents name. The 2016 policy summary gave Covéa Life’s Protection Dept in West Malling, on 0333 130 4557, as the contact, and these details may have changed since.
Assurity Income Protection
Assurity Income Protection is an accident, sickness and involuntary unemployment insurance policy from Marketing & Management Services Ltd (MMS), which administers it on behalf of the insurer, Arch Insurance (UK) Limited. You can choose accident and sickness cover, unemployment cover or both, paying for 6 or 12 months after a waiting period of 30, 60 or 90 days.
It pays up to £2,000 a month or 65% of your gross monthly income, whichever is lower. You must be over 18 and under 63 when cover starts and working full time for at least 16 hours a week. It isn’t available to the self-employed, cover ends at age 65, and pre-existing medical conditions are excluded. If you cancel within 30 days of receiving the policy documents, premiums are refunded as long as you haven’t made a claim.
The Assurity Income Protection website asks existing policyholders to call MMS on 0113 220 9754, and sends anyone looking for a new policy to Howden Life & Health’s income protection page.
Assurity vs National Assurance over 50s plans
National Assurance was also a trading name of Assured Futures, and its Simple Over 50s Life Product is also designed, underwritten and administered by National Friendly. Going by the two brands’ policy summaries, both effective 1 April 2022, the plans compare like this:
| Feature | Assurity | National Assurance |
|---|---|---|
| Insurer | National Friendly | National Friendly |
| Accidental death only | First 3 years | First 2 years |
| Premiums stop | Anniversary after 95th birthday | Anniversary after 85th birthday |
From the Assurity and National Assurance over 50s policy summaries, both effective 1 April 2022.
Assurity over 50s plan at a glance
The key limits of the plan, from its policy summary and terms effective 1 April 2022.
| Limit | Over 50s Whole of Life Product |
|---|---|
| Age when you apply | 50–80 (50–75 if you smoke) |
| Health assessment or medical | None |
| Accidental death only | First 3 years |
| Premiums | Fixed, monthly by direct debit |
| Premiums stop | Policy anniversary after 95th birthday |
| Length of cover | Rest of your life |
| Maximum premium | £100 a month across all your Assurity over 50s policies |
| Cash-in value | None |
| Insurer | National Friendly |
Limits from the Assurity Over 50s Whole of Life Product policy summary and terms, checked 24 September 2026.
What affects the cost of Assurity life insurance?
If you’re eligible, acceptance is guaranteed without a health assessment or medical, and the policy summary says the monthly premium depends on:
- Your age when the policy starts
- The amount of cover you choose
The premium is fixed when the policy starts and won’t go up. You pay it monthly by direct debit from a UK bank or building society account (unless otherwise agreed) until the policy anniversary after your 95th birthday, and you can pay no more than £100 a month across all your Assurity over 50s policies. Howden says direct debits for life insurance are collected by the insurer, not by Howden as the broker.
Because the plan lasts for life, the policy summary says it’s difficult to say how much you’ll pay overall, and depending on how long you live, the total premiums may be more than the cash sum paid out. Howden’s over 50s page says premiums start at £10 a month, but that figure is for the over 50s policies Howden offers in general, not Assurity’s alone.
Howden’s over 50s page also suggests that if you’re over 50 and in excellent health, you may get better value from a traditional whole of life policy, although applying for one involves a full medical questionnaire.
Comparing plans from several insurers is the simplest way to see what’s available for your circumstances.
Assurity over 50s life insurance
Assurity’s over 50s plan is the Over 50s Whole of Life Product, arranged by Assurity and designed, underwritten and administered by National Friendly. It pays a fixed cash sum when you die, and acceptance is guaranteed, with no health assessment or medical, for UK residents aged 50 to 80, or 50 to 75 if you smoke.
In the first three years it pays the cash sum only for an accidental death, and pays back the premiums for any other death. Premiums are fixed and stop on the policy anniversary after your 95th birthday, with cover continuing for life.
- Entry age
- 50–80 (50–75 if you smoke)
- Guaranteed acceptance
- Yes, no health assessment or medical
- Accidental death only
- First 3 years
- Premiums stop
- Policy anniversary after 95th birthday
- Maximum premium
- £100 a month across all your National Friendly Over 50s Whole of Life policies
- Cooling-off period
- 30 days
- Insurer
- National Friendly
- Defaqto rating
- 3 stars
Howden Life & Health, a trading style of the same Howden company that holds the Assurity name, shows Assurity on its over 50s page next to National Assurance, National Friendly, SunLife, Shepherds Friendly and OneFamily. It offers an instant online quote, and its advisers are on 0808 141 1244.
Compare other insurers’ over 50s plans in our guides to over 50s life insurance, guaranteed life insurance and over 60s life insurance.
Writing an Assurity policy in trust
The Assurity over 50s terms say that, depending on your circumstances, it may be appropriate to put your policy into trust, and that you should take independent professional legal advice if you want to. The policy itself can’t be transferred to anyone else.
The policy summary says payouts won’t be subject to income tax or capital gains tax, but may be subject to inheritance tax. Howden Life & Health says using a trust should mean a life insurance payout isn’t part of your estate.
Howden Life & Health runs a trust form service for life insurance policies, and Assurity is one of the insurer names you can pick on its online form. Howden fills in the trust form from your details and sends it to you to sign and witness; you then send it to the insurer, which registers the trust. You are automatically a trustee and must choose at least one more. Trustees must be 18 or over, and the service can only be used if they have a UK address. Its customer care team can help on 01242 894816.
Howden notes that a trust usually can’t be cancelled once it has been set up, and the policy can’t then be cancelled without the trustees’ permission.
Read how trusts work, and what other insurers offer, in our guide to life insurance in trust.
Does Assurity pay out?
Claims on the 2022 version of the Assurity over 50s plan are made to National Friendly, which underwrites and administers it, and Howden’s terms of business say all claims are processed by the insurer. National Friendly’s claims page shows these figures. They are National Friendly’s own figures, not Assurity’s, and no period is given next to them:
- ‘Over 50s Life Cover’ claims paid
- 100%
- Paid in claims
- £14.7m
- Total claims handled
- 4,361
Source: National Friendly claims page, checked 25 September 2026. The page has a ‘Download The 2026 Claims Report’ link but gives no period next to these figures.
The 100% figure is labelled ‘Over 50s Life Cover’. That is also the name of one of the over 50s policies listed on National Friendly’s separate page about making a claim, next to Over 50s Whole of Life, so the figures don’t show whether Assurity policies are included.
National Friendly says claims decisions are reached within 3 working days once it has the information it needs, that the same dedicated claims handler looks after a claim throughout, and that it is a 2025 Claims Charter signatory.
On the Assurity plan, a death in the first three years that isn’t an accidental death is paid as a return of the premiums rather than the full cash sum. If a premium is still unpaid when a claim is made, it’s deducted from the payout, and nothing is paid if death happens after the policy has been cancelled.
How to make an Assurity life insurance claim
Claims on the 2022 version of the Assurity over 50s plan go to National Friendly. The person making the claim should contact National Friendly by phone or in writing as soon as they can, with the policy number, home postcode and reason for the claim ready.
Before paying, National Friendly needs its completed claim form and proof to validate the claim: for example the original death certificate or evidence of a fatal accident, such as a coroner’s or police report, and proof of the claimant’s right to the money, such as a grant of probate, a will, or letters of representation or administration.
Howden says that, on request, it will guide customers through a claim, but it has no authority to settle claims on behalf of insurers. Howden Life & Health also offers bereavement support at your own pace, and points bereaved customers to Cruse Bereavement Care on 0808 808 1677.
- Claims and policy questions
- 0333 014 6244
- Opening hours
- Mon–Fri, 8am–6pm, excluding bank holidays
- Post
- National Friendly, 11-12 Queen Square, Bristol BS1 4NT
- Claims information
- nationalfriendly.co.uk (opens in a new tab)
- Assurity Income Protection (MMS)
- 0113 220 9754
The National Friendly details are from the 2022 Assurity documents and National Friendly’s website, and the MMS number is from the Assurity Income Protection website. The 2016 Covéa Life documents gave different contact details.
Key policy terms
A few terms that are worth knowing before you apply. These come from the Assurity over 50s policy summary and terms effective 1 April 2022, so always check the documents for the exact policy you’re offered.
| Term | Assurity policies |
|---|---|
| Cooling-off period | 30 days, with a refund of any premiums paid |
| Cancelling later | You can cancel at any time, but premiums aren’t refunded |
| Missed premiums | 30 days to pay; two consecutive unpaid months cancel the policy, with no refund |
| First three years | Cash sum paid for accidental death only; other deaths get back the premiums paid |
| Suicide exclusion | Excluded from the accidental death cover in the first three years |
| Medical exam | None: acceptance is guaranteed if you meet the eligibility rules |
| Cash-in value | None |
| When the policy ends | When a claim is made; no premiums are due after death |
| Tax | No income tax or capital gains tax on the payout, but it may be subject to inheritance tax |
| Write in trust | May be appropriate; the terms recommend independent legal advice |
| Moving abroad | Cover can continue if premiums are still paid from a UK bank or building society |
| Changes to the terms | Reasonable changes if law, regulation or tax changes, with 60 days’ written notice |
| Accessible formats | Documents available in audio, large print or Braille |
| FSCS protection | You may be entitled to compensation if the insurer can’t meet its liabilities |
| Complaints | National Friendly on 0333 014 6244 or complaints@nationalfriendly.co.uk, aiming for a final written response within 3 business days, or 4 to 8 weeks for complex complaints; you may be able to refer it to the Financial Ombudsman Service |
Is Assurity life insurance good?
Assurity is a Howden broker brand rather than an insurer, and its over 50s plan is provided by National Friendly, a Bristol mutual established in 1868. The plan offers guaranteed acceptance, with no health assessment or medical, to UK residents aged 50 to 80 (75 if you smoke). The premium is fixed from the start, payments stop on the policy anniversary after your 95th birthday, and cover lasts for life.
The trade-offs are that only an accidental death is paid in full in the first three years, the plan has no cash-in value, and depending on how long you live you could pay in more than it pays out. You can’t pay more than £100 a month across all your Over 50s Whole of Life policies with National Friendly, and Defaqto rates the plan 3 stars and Fairer Finance 2 stars. National Friendly’s claims page says 100% of its ‘Over 50s Life Cover’ claims were paid, but gives no period and doesn’t show whether Assurity policies are included.
The right plan for you depends on your needs and the price you’re offered, so it’s worth comparing Assurity with other over 50s plans.
Pros
- Guaranteed acceptance for UK residents aged 50 to 80 (75 if you smoke), with no health assessment or medical
- Premium fixed from the start and guaranteed not to increase
- No more premiums after the policy anniversary following your 95th birthday, with cover continuing for life
- Insured by National Friendly, a mutual society established in 1868
- 30-day cooling-off period with a refund of any premiums paid
- Policy documents available in audio, large print or Braille
Cons
- Only an accidental death is paid in full in the first three years
- No cash-in value, and total premiums may be more than the payout
- Smokers can only apply up to age 75
- Premiums capped at £100 a month across all your Over 50s Whole of Life policies with National Friendly
- Rated 3 stars by Defaqto and 2 stars by Fairer Finance
- The 2022 policy documents still name Assured Futures, a company since renamed and dissolved
Assurity life insurance policy documents
Before you take out a policy, it’s worth reading the policy summary and terms for the exact product you’re offered. The over 50s documents effective 1 April 2022 name National Friendly as the insurer; the others are for the earlier Covéa Life version of the plan and for Assurity Income Protection.
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Over 50s Whole of Life Product policy summary (2022) (opens in a new tab)
Eligibility, cover in the first three years, exclusions, cancelling and how to claim.
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Over 50s Whole of Life Product terms and conditions (2022) (opens in a new tab)
The terms that form the basis of the contract with National Friendly, including definitions, premiums, claims and cancelling.
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Over 50s Whole of Life Product policy summary (2016, Covéa Life) (opens in a new tab)
The earlier version of the plan, underwritten by Covéa Life.
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Over 50s Whole of Life Product policy wording (Covéa Life) (opens in a new tab)
The policy wording for the earlier Covéa Life version of the plan.
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Assurity Income Protection product information document (opens in a new tab)
A summary of the accident, sickness and unemployment cover, its limits and exclusions.
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Assurity Income Protection policy wording (opens in a new tab)
The policy wording for the Assurity Income Protection policy.
Documents open on cdn.mooso.co.uk. They may be updated — the version you receive with your policy is the one that applies.
Assurity life insurance FAQs
You can take out the plan between the ages of 50 and 80 if you don’t smoke, or 50 and 75 if you smoke. You also need to be living in the UK and be a UK citizen or have permission to live in the UK permanently.
No. Assurity is a trading name of Howden Employee Benefits & Wellbeing Limited, part of the Howden Group, which acts as an independent insurance intermediary. From September 2016 to October 2024 it was a trading name of Assured Futures Limited, which was renamed Howden Life & Health Limited in November 2023.
National Friendly. The Assurity Over 50s Whole of Life Product, in the version effective 1 April 2022, is designed, underwritten and administered by National Friendly, a trading name of National Deposit Friendly Society Limited. The earlier version of the plan, with a policy summary dated September 2016, was underwritten by Covéa Life Limited.
Claims on the 2022 version of the plan are paid by National Friendly. Its claims page says National Friendly paid £14.7 million in claims, and that 100% of its ‘Over 50s Life Cover’ claims were paid. These are National Friendly’s own figures, not Assurity’s: no period is given, and the page doesn’t show whether Assurity policies are included in the 100% figure. In the first three years, the plan pays the full cash sum only for an accidental death.
When you apply for cover you will be asked questions about your health and lifestyle, and based on this and the amount of cover requested, the insurer will decide if a medical is required or not.
For the Assurity over 50s plan, acceptance is guaranteed if you meet the eligibility criteria, with no health assessment or medical.
If you die an accidental death in the first three years, the cash sum is paid. If you die from any other cause in that time, the plan pays a sum equal to all the premiums you’ve paid. After three years, the cash sum is paid whatever the cause of death.
On the policy anniversary after your 95th birthday. After that no more premiums are due, and your cover continues for the rest of your life. On the earlier Covéa Life version of the plan, premiums stopped at your 90th birthday.
The terms say it may be appropriate to put your policy into trust, depending on your circumstances, and that you should take independent professional legal advice to do so. Howden Life & Health’s online trust form lists Assurity as one of the insurers, and its customer care team can help on 01242 894816.
Yes. If you cancel within the 30-day cooling-off period, any premiums you’ve paid are refunded. You can cancel at any time after that, but you won’t get your premiums back, and the plan has no cash-in value.
Not in full in the first three years: the accidental death cover excludes suicide and intentional self-inflicted injury, and a death other than an accidental death in that period pays back the premiums paid rather than the cash sum. After three years, the plan pays the cash sum whatever the cause of death.
If you're struggling or thinking about suicide, our guide to suicide and life insurance lists where to get support straight away.
Sources
The facts on this page come from these sources.
- Wikimedia Commons — Wikimedia Commons file page for "Dukes Place and One Creechurch Place" (photo of One Creechurch Place, City of London; CC BY 2.0, by It's No Game) (opens in a new tab), commons.wikimedia.org, accessed 25 September 2026.
- Companies House — Companies House record for Howden Employee Benefits & Wellbeing Limited (02248238), the company that now holds the Assurity trading name (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 25 September 2026.
- Howden Life & Health (Howden Employee Benefits & Wellbeing Limited) — Howden Employee Benefits & Wellbeing Limited terms of business for individual policies (lists Assurity among its trading names; explains that claims are processed by the insurer) (opens in a new tab), howdenlifeandhealth.co.uk, accessed 25 September 2026.
- Financial Conduct Authority — FCA Financial Services Register entry for Howden Employee Benefits & Wellbeing Limited (FRN 312841), listing Assurity as a current trading name (opens in a new tab), register.fca.org.uk, accessed 25 September 2026.
- Assurity (Assured Futures Ltd) / National Friendly — Assurity Over 50s Whole of Life Product terms and conditions (effective 1 April 2022, ref A TC 04.22) (opens in a new tab), cdn.mooso.co.uk, accessed 24 September 2026.
- Assurity (Assured Futures Ltd) / National Friendly — Assurity Over 50s Whole of Life Product policy summary (effective 1 April 2022, ref A PS 04.22B) (opens in a new tab), cdn.mooso.co.uk, accessed 24 September 2026.
- National Friendly (National Deposit Friendly Society Limited) — National Friendly about us and history (underwriter of the 2022 version of the Assurity Over 50s plan) (opens in a new tab), nationalfriendly.co.uk, accessed 25 September 2026.
- Defaqto — Defaqto Star Ratings (Life & Protection) for Assurity (opens in a new tab), defaqto.com, accessed 24 September 2026.
- Fairer Finance — Fairer Finance brand page for Assurity, with its product star rating for the Assurity Over 50s Whole of Life Product (Fairer Finance's brand description is its own text; it mixes in details of the unrelated US company Assurity PEO Holdings and names Covea Life, the earlier underwriter) (opens in a new tab), fairerfinance.com, accessed 25 September 2026.
- Howden Life & Health — Why Howden Life & Health is the new name for Assured Futures (official article, published 1 November 2023) (opens in a new tab), howdenlifeandhealth.co.uk, accessed 25 September 2026.
- Trustpilot — Trustpilot page for Howden Life & Health (the Howden broker business that uses the Assurity trading name; covers the whole broker, not Assurity policies specifically — Trustpilot has no Assurity UK profile) (opens in a new tab), uk.trustpilot.com, accessed 25 September 2026.
- National Friendly (National Deposit Friendly Society Limited) — National Friendly claims performance at a glance (claims statistics of the underwriter of the 2022 version of the Assurity Over 50s plan; National Friendly figures, not Assurity-specific; year not stated on the page) (opens in a new tab), nationalfriendly.co.uk, accessed 25 September 2026.
- National Friendly (National Deposit Friendly Society Limited) — National Friendly claims page: how to claim on an over 50s policy, including Over 50s Whole of Life members (underwriter of the 2022 version of the Assurity Over 50s plan) (opens in a new tab), nationalfriendly.co.uk, accessed 25 September 2026.
- Howden Life & Health — Contact page of Howden Life & Health (the Howden business behind the Assurity trading name): phone numbers, emails and offices (opens in a new tab), howdenlifeandhealth.co.uk, accessed 25 September 2026.
- National Friendly (National Deposit Friendly Society Limited) — National Friendly contact page: customer phone line, opening hours, email and postal address (underwriter of the 2022 version of the Assurity Over 50s plan) (opens in a new tab), nationalfriendly.co.uk, accessed 25 September 2026.
- Financial Conduct Authority — FCA Financial Services Register entry for Howden Life & Health Limited, formerly Assured Futures Limited (FRN 176392, no longer authorised), which used the Assurity trading name from 2016 to 2024 (opens in a new tab), register.fca.org.uk, accessed 25 September 2026.
- Companies House — Companies House record for Howden Life & Health Limited (03040737), previously named Assured Futures Limited (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 25 September 2026.
- Assurity (Assured Futures Ltd) / Covéa Life Limited — Assurity Over 50s Whole of Life Product policy summary, September 2016 (earlier version underwritten by Covéa Life, ref KH5332.09.16) (opens in a new tab), cdn.mooso.co.uk, accessed 24 September 2026.
- National Assurance (Assured Futures Ltd) / National Friendly — National Assurance Simple Over 50s Life Product policy summary, effective 1 April 2022 (NA PS 04.22), showing that National Assurance is also a trading name of Assured Futures Ltd and is underwritten by National Friendly (opens in a new tab), cdn.mooso.co.uk, accessed 25 September 2026.
- Marketing & Management Services Ltd (MMS) — Assurity Income Protection Policy, Insurance Product Information Document (IPID MY14) (opens in a new tab), cdn.mooso.co.uk, accessed 24 September 2026.
- Marketing & Management Services Ltd (MMS) — Assurity Income Protection Insurance policy wording (MY14) (opens in a new tab), cdn.mooso.co.uk, accessed 24 September 2026.
- Assurity Income Protection / MMS — Assurity Income Protection website (existing policyholders, administered by MMS) (opens in a new tab), assurityinsure.co.uk, accessed 24 September 2026.
- Howden Life & Health — Over 50s life insurance page (Howden Life & Health; lists Assurity among its over 50s providers) (opens in a new tab), howdenlifeandhealth.co.uk, accessed 24 September 2026.
- Howden Life & Health — Putting your life policy into trust, trust form service (Howden Life & Health; insurer list includes Assurity) (opens in a new tab), howdenlifeandhealth.co.uk, accessed 24 September 2026.
- Howden Life & Health — Existing customers page of Howden Life & Health: managing, amending or cancelling a policy and trust help (opens in a new tab), howdenlifeandhealth.co.uk, accessed 25 September 2026.
- Howden Life & Health — Howden Life & Health additional support for customers page (bereavement support section) (opens in a new tab), howdenlifeandhealth.co.uk, accessed 25 September 2026.
- Assurity (Assured Futures Ltd) / Covéa Life Limited — Assurity Over 50s Whole of Life Product policy wording (earlier version underwritten by Covéa Life) (opens in a new tab), cdn.mooso.co.uk, accessed 24 September 2026.
Related pages
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Best life insurance
What to compare when you choose a policy.
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Whole of life insurance
Lifelong cover and how it differs from term cover.
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Over 50s life insurance
Guaranteed acceptance for ages 50–85, and what to check before you buy.
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Life insurance in trust
How a trust works and how it can affect the payout.
