Cryptic crossword clue
Contract will cover as long as one’s not 21 8

The most common and most likely answer to this crossword clue is the 8 letter word PACIFIST

I've seen this crossword clue in Financial Times
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Buddy explains!

The straight part
We know that "not 21" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case not 21 = pacifist.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does PACIFIST mean?

PACIFIST noun
  1. One who loves, supports, or favours peace.
  2. One who prefers to avoid violence.
  3. One who opposes violence and is anti-war.
  4. A player who attempts the challenge of winning a game without attacking any enemy characters.
PACIFIST adjective
  1. Of or relating to pacifism.

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