What is the Lifetime Payback Guarantee®?

Over 50s Life Insurance with the Lifetime Payback Guarantee

British Seniors is proud to offer the Lifetime Payback Guarantee®. Unlike other providers, the lump sum your loved ones receive will always be the greater of the amount you are insured for or, the total premiums you have paid. So if you live a long life and have paid in more than your cover amount, your loved ones will either get your cover amount or the amount you've paid in, whichever is greater. Get a quote now to find out more.

Things you need to consider

  • There is no cash-in value at any time
  • Ensure you choose enough benefit amount, as inflation may reduce its buying power over time
  • The protection of the Lifetime Payback Guarantee® applies if you continue your policy for life and will only reduce in value if you reduce your benefit amount.


  • Cheryl, aged 65, has a benefit amount of £5,000,
  • Her monthly premium is £33.66
  • If Cheryl passes away aged 85, her loved ones would receive £8,078.40 instead of her original benefit amount of £5,000.

*Cheryl is a fictional character used for product explanation purposes only. Pricing is accurate based on Cheryl's age and benefit amount, and Lifetime Payback Guarantee® amount based on 20 years premiums paid.

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Funeral costs to rise by 22% over next decade

A new study from British Seniors Insurance Agency reveals that British consumers have had to take drastic measures to pay for funerals and help manage the affairs of deceased friends and family.  The research reveals that family and friends in the UK have spent collectively £4.8 billion on funerals for their loved ones over the last 5 years. And the research shows that to fund these funerals 2.7 million people have taken out some form of finance (credit cards, personal loans and payday loans) spending £1.6 billion. 

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Over 50s Life Insurance will kitFree Will Kit included with every policy purchased worth up to £150*.

To help you take care of your final wishes, you will receive a legal Will Kit with your policy, with compliments of British Seniors Insurance Agency. Read more >>

*The Money Advice Service.