We’re the UK’s No.1 rated provider of Over 50s Life Insurance1

When deciding your life insurance provider you have lots to choose from. But too much choice can feel overwhelming if you don’t know where to start. So, let’s break it down. When buying life insurance, you want to make sure you’re choosing cover that’s right for you and your family. Things to look at are how much cover you need, whether you can get a joint policy, and what benefits are included with the cover.


Since 2012 more than 200,000 people across the UK have trusted us to help them to protect their loved ones. In fact we’re the UK’s No.1 rated provider of Over 50s Life Insurance – with the highest ratings of all Over 50s Life Insurance providers with more than 500 reviews on each of the following platforms: Trustpilot, Google, Feefo and Reviews.io. You can see how we compare here. So when you choose British Seniors, you can trust you’re in safe hands. The information in the below table is correct as of 02/09/25

Provider

British Seniors Logo

Sunlife

Legal & General

One Family

Product

Over 50s Life Insurance

Over 50's Life Insurance

Over 50 Life Insurance

Over 50s Life Cover

Accidental death cover

2X your benefit amount if death is due to an accident

Payout of benefit amount

Payout of benefit amount

3X your benefit amount if death is due to an accident

Max benefit amount

£10,000

£18,000

£10,000

£9,305*

Joint policy option

Free Funeral Benefit Option2

£300

£250

£300

Free Health and Wellbeing services3

Increasing Benefit Option

*Max amount available for a 50 year old

Frequently Asked Questions

British Seniors Over 50 Life Insurance is a guaranteed, whole of life policy. It’s designed to help protect your loved ones when you’re gone. Depending on your age, you could leave behind a lump sum up to £10,000. This could help with funeral expenses, or it could go towards other costs and debts that your family may need help with. So you can feel proud of the legacy you’re leaving behind.

If you’re a UK resident aged 50 to 80 you’re eligible for British Seniors Over 50 Life Insurance. Acceptance is guaranteed – that means no medicals, blood tests, or long complicated forms. You can apply for a single policy or joint policy if you want to take out protection with your spouse, civil partner, or common-law partner.

Depending on your age you can choose a benefit amount between £1,000 and £10,000. We also offer a free Funeral Benefit Option2 that provides a £300 contribution towards your funeral expenses. The maximum benefit amount you can get at the start date is:

  • Age 50 to 69 – up to 10,000
  • Age 70 to 74 – up to £9,000
  • Age 75 to 80 – up to £6,000

Simply choose a benefit amount with a monthly premium that you can afford now and in the future. If you’re a UK resident aged 50 to 80, you’re guaranteed to be accepted – with no need for a medical or blood tests. Get your free quick quote online in minutes, or call our UK team of specialists on 0800 803 0051. We’re available Monday to Friday from 8am to 8pm, Saturday from 9am to 6pm, and Sunday from 9am to 5pm (excluding bank holidays).

You’ve taken care of your family your entire life, it’s only natural to want to continue to protect them when you’re no longer around. Our Over 50 Life Insurance can help you do that. We're the UK's No.1 rated provider of Over 50s Life Insurance - with the highest ratings of all Over 50s Life Insurance providers with more than 500 reviews on each of the following platforms: Trustpilot, Google, Feefo and REVIEWS.io. See how we compare here. We've helped over 200,000 people across the UK to protect what matters most to them since 2012. Our cover can be used to help your loved ones with funeral costs and other expenses that might come up when you’re gone. Or it could be a gift. Whatever it’s for, you can feel proud that you’re protecting your loved ones.

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Free Info Pack

Find out more about British Seniors Over 50 Life Insurance with our easy-to-understand information pack. We will post this to you for FREE along with discussing your life insurance options.

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British Seniors, Proud to Protect

We’re here to help you protect the ones you care about most. Call our specialist UK team to explore your options and get your free quote.

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1

We have the highest rating of all Over 50s Life Insurance providers in the UK with more than 500 reviews on each of the following platforms: Trustpilot, Google, Feefo and REVIEWS.io. See how we compare here.

2

Funeral Benefit Option is not available to those living in the following areas: Northern Ireland, KW (Wick) and IV (Inverness) postcodes.

3

Please note that the British Seniors Health and Wellbeing services do not form part of your life cover contract and can be changed or removed at any time. These services are only available to customers who purchased their policy on or after 15th November 2023.

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