Don't let your age stop you from protecting your loved ones. Explore affordable over 50 life insurance options now or call free on 0800 123 4567 (toll-free)

  • Life insurance that will be here for as long as you are
  • No medical exam required.
  • We pay 100% of claims quickly – usually within 3-5 working days
  • It's a type of life insurance that lets you leave money behind for your loved ones when you're no longer here.
  • What is over 50 life insurance?

It's a type of life insurance that allows you to leave money for your loved ones after you pass away. It will protect you for the rest of your life, not just a set period of time. You must be between the ages of 50 and 80 and a UK resident to join us.

Purchase over 50 life insurance between May 21th, 2023 and March 21th, 2024, and receive a £120 gift card. Offer T&C's apply

As a thank you for taking out your policy with us, you'll be able to claim a gift card worth £120 after your 6th monthly payment. You can choose from a Marks & Spencer, or Gift Card.*

*Restrictions apply, see

The key advantages of an over 50 life insurance policy are:

  • Our over-50s life insurance policy provides lifelong coverage, ensuring lifelong protection.
  • Once you reach your 90th birthday or have been covered for 30 years, you will not be required to make any further payments.
  • We pay out on every single claim and process claims quickly, usually within 3-5 working days.
  • No medical checks or health questions are required to get coverage, making the process easy and convenient.

How does over 50 life insurance work?

Our over-50s life insurance policy is simple and hassle-free, with no medical checks or health questions required. You just need to choose the amount of coverage you want or how much you want to pay in premiums each month.

We guarantee to pay out the full cover amount as a lump sum if you pass away due to any reason after the first 12 months of having the policy. If you pass away due to an accident within the first 12 months, we'll pay out the full cover amount as well.

However, if you pass away before the first 12 months are up and it wasn't due to an accident, we won't pay out the full cover amount. Instead, we'll pay a sum equal to the premiums that have been paid thus far.

Do you need over 50 life insurance?

Choosing a lifetime over-50s life insurance policy can be a great way to leave a financial legacy for your loved ones after you pass away. The lump sum payout can help cover the cost of your funeral, home improvements, or even a holiday.

If you only need coverage for a specific period of time, our term life insurance may be a better option for you. Unlike over 50 life insurance, term life insurance allows you to take out a joint policy with your partner, providing coverage for both of you.

How much cover can you get?

To determine your life insurance coverage, there are several factors to consider, such as your age and whether or not you smoke. Additionally, the amount you're willing to pay each month, known as your premium, plays a crucial role.

There are two methods to approach this. Firstly, if you specify the monthly premium, you're willing to pay, we'll calculate the amount of coverage we can offer you. You can pay anywhere between £5 and £100 per month, across all of our over 50 life insurance policies. The price you'll pay depends on the coverage level you select and your personal circumstances. However, more than half of our customers pay £35 or less per month.

Alternatively, if you inform us of the amount you want to leave behind, we'll perform the calculations to determine how much you'll have to pay each month for that coverage.

The following table provides an estimate of the coverage you could receive as a non-smoker, paying a £20 monthly premium. The age mentioned in the table indicates when you'll obtain the coverage, and the amount of coverage will remain the same throughout your life.

Age cover is taken out

The figures presented are derived from a monthly premium of £20 and apply to non-smokers. These figures were accurate as of 15 February 2023.

Locked-in Premiums: Your Monthly Payment Will Never Increase

Our over-50s life insurance policy remains active until you pass away, rather than for a specific number of years.

The amount you pay each month, as well as the coverage you receive, will always remain consistent.

Once you have held the policy for 30 years, or from the anniversary after you turn 90, you will no longer be required to pay any more premiums. However, your coverage will continue for as long as you live.

It's important to keep in mind that, depending on your lifespan, you may end up paying more in premiums than the coverage amount.

Coverage of Our Over-50s Life Insurance Policy

Your premiums are fixed, there is no medical coverage, and your loved ones will be paid if you die. Here's more information about what's covered and what you should be aware of before proceeding.

  • Guaranteed acceptance: We offer a guarantee to provide coverage for UK residents between the ages of 50 and 80. This means that if you fall within this age bracket, you can be sure that we will provide you with the coverage you need.
  • Lifelong coverage: Our insurance policy remains in effect until the day you pass away, and there is no need to pay any premiums after 30 years or the anniversary of your 90th birthday, whichever comes first. This means that you can continue to enjoy the benefits of the policy without worrying about paying for it later in life.
  • Fixed premiums: The premiums for an over 50s policy are usually fixed, which means they will not increase over time, making it easier to budget for the cost of the policy.
  • Full Payment in One Go: In the event that you pass away after the first 12 months of your policy due to any reason or within the first 12 months from an accident, we will pay the full coverage amount in a single payment. This means that your beneficiaries can receive the payout promptly, providing them with financial support during a difficult time.
  • Multiple Plans Available: Increasing Your Coverage and Premiums with Us. You may choose to obtain multiple policies with us if you wish to add extra coverage at a later date. You are free to have as many policies as you like, as long as your total premiums do not exceed £100 per month. This provides you with the flexibility to adjust your coverage and premiums to fit your evolving needs, while ensuring that your insurance remains affordable.

What to consider

No cash value: Our Over 50 Life Insurance Policy is designed to provide a payout only upon your passing. If you stop paying your premiums, your coverage will end and you will not receive any money back. The policy cannot be cashed in before that time.

Joint Cover is Not Available: This policy only covers one person, so if you want coverage for two people, you'll need to take out separate policies.

The payout could be less than what you paid in: Depending on your premiums and how long you live.

Impact of Inflation on Payout Value

Your life insurance coverage has a fixed amount, which means its value will decrease over time due to inflation. This makes it crucial to review your coverage regularly to ensure it still meets your needs.

If you die within the first year and it is not the result of an accident

We will give you back the premiums you have paid if you pass away in the first year, but not the cover amount.

Please click here to learn more about placing a policy in a trust.

Policy documents

You can find a comprehensive list of what is included in our insurance policy by reviewing our policy documents.

Over 50s Life Insurance Plan Summary

Over 50s Life Insurance Plan Conditions

How can I obtain a quote for life insurance over the age of 50?

Getting a quote for over 50 life insurance is quick and easy. You only need to provide basic information such as:

  • Your personal details (name, address, email address)
  • Your date of birth 
  • whether you smoke 
  • how much cover you want. 

We won't ask for any additional details unless you decide to proceed. As long as you're a UK resident aged between 50 and 80, we can provide lifelong coverage.

Or call us free:

Phone: 0800 123 4567 (toll-free) 

Monday to Friday, 9am to 5pm GMT 

Calls may be monitored or recorded. Calls to 0800 numbers from UK landlines and mobiles are free. 

If you have any further queries, refer to the FAQs, which can provide you with an answer quickly.