Over 50s Life Insurance

It's guaranteed-acceptance life insurance for anyone aged 50 to 80 - and 85 in some cases
There's no lengthy medical questions to answer
It's available at low-cost monthly payments

Get Advice & Quote Call 0800 197 3179

What is Over 50s Life Insurance?

Over 50s life insurance is only available to those over the age of 50 and usually under the age of 85, although this varies by insurer. The insurance money is typically used to cover funeral costs or to leave a gift to a loved one. This is a guaranteed acceptance product, which means that there are no medical questions, everyone who applies for cover will be accepted. You'll have probably seen lots of TV adverts for over 50's cover so we can break down which options might work best for you.

Tell us a bit about you, and we'll search the market for the best cover options.

Do you know what cover you need? Yes, I think so No, I need advice

Which cover do you want?

Individual or joint policy Just myself Myself and partner

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Do you know what cover you need?

Life cover, income protection, critical illness cover, family income benefit and more - there's so much choice. If you know what cover you need, great; if not, we're here to help and advise.

Single or joint policy?

You may need a joint, or a single policy. Not sure what you need?...we can advise, and usually if it's a joint application, we would recommend individual policies.

We're confident you won't find a better life insurance broker.
We know our stuff and our customers love us.

Why are there specialist policies for the Over 50s?

Life Insurance costs rise with age, so over 50's life plans make things a little more affordable. Unlike traditional life insurance, you don't need to take a medical. If you're aged between 50 and 80 (or 85 with some policies), you'll be accepted regardless of your health.

Is Over 50s insurance worth it?

They can be. It depends on your own personal health. If you’re in pretty good shape, it may be better to take out cover that asks some health questions as these are usually much better value for money. Our advisers will be able to find the best policy for you.

Can I get joint Over 50s life insurance?

Over 50s life plans are generally set up individually, so they cannot be held in joint names. Your partner may have to apply for an individual plan, providing they are aged 50 to 80 and are a UK resident.

How much does Over 50s insurance cost?

The cost of your over 50s insurance will mainly depend on a couple of things: your age and the amount of cover you choose. The older you are, and the larger the amount of cover, the higher your monthly premiums will be. We will search the market to find the best value insurance for you.

Will my cover start straight away?

Over 50s insurance products won't pay out your full cover amount if you die within the first few years of your policy, normally the first two years. If you die within this period, the insurer will usually just return the premiums paid up to that point. The exception to the rule is if you die as a result of an accident, in which case insurers will typically pay out your full cover amount.