I'm 55 so loads of over 50s policies out there, but they are only a couple of thousand or so pay out. I do have ongoing health issues, including, but not limited to a degenerative brain disease, along with being an amputee with other health issues aswell.

So I'm looking for something that doesn't need a medical checkup. And is affordable with a payout of around 8-10k,enough for a cremation and some left over to allow my family to deal with everything and not have to worry about bills as they sort out banking and direct debits.

I would prefer something that doesn't have to wait on a year or 2 before cover would be needed as a qualifier before payment is paid out.

Affordability? Max of £25 or lower.