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Over 50s Life Insurance with the unique Cash In option

At British Seniors, we take your peace of mind seriously. That's why we've introduced the new and unique Cash In option. This gives you the choice to cash in your policy, which means you can avoid the life insurance lock in that all other over 50s policies hold you to. You won't find this feature anywhere else in the UK - it's unique to us!


There’s no doubt that when you take out a life insurance policy, you fully intend for it to help cover your funeral costs or final bills so that your family is protected. But, as you know, circumstances can change, so having the flexibility to use your policy how you want and need to, gives you back control over your finances.


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British Seniors Over 50s Life Insurance now comes with the unique Cash In option. This gives you 50% of your benefit amount if you decide to cancel your policy from age 80 or after 15 years, whichever is later. There is no cash in value before this date.


You're guaranteed to be accepted as long as you're a UK resident aged 50-80, you can choose a benefit amount from £1,000 up to £20,000 and policies start from just £3.72 a month (that’s just 13p per day!). You'll also get immediate cover for accidental death and cover for death by any cause after just 24 months.


  • Guaranteed Acceptance
  • Immediate cover
  • Guaranteed no increases
  • Apply to make changes for free
  • UK Call Centre
  • No medicals or health questions





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Things to Consider:

  • Consider the benefit amount you choose as inflation may reduce its buying power over time
  • Depending on how long you live you may pay in more than we pay out
  • You will be covered immediately for accidental death and for death by any cause after 24 months
  • You can choose to Cash In your policy if you are 80 or after 15 years, whichever is later. There is no cash in value before this date
  • If you choose to take the Cash In amount, your cover will end
  • Cash In value is the return of premiums equal to 50% of the benefit amount and will only change if you change your benefit amount



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