Frequently Asked Questions

• Who can take out Over 50s Life Insurance?

  You can apply for Over 50s Life Insurance if you are a UK resident aged 50-80. You can apply for a single policy or a joint policy to include your spouse, civil partner and/or common-law partner under a joint policy.

  Providing you meet the eligibility criteria, we guarantee to accept your application.

• Why is this cover important?

  Have you ever considered who would be responsible for your funeral costs if you were to pass away, or how your loved ones may cope financially when you are not around?

  That’s why taking out an over 50s life insurance policy to help take care of your funeral expenses could be one of the most important decisions you make.

  Securing over 50 life cover early ensures the financial help will be there for your loved ones and it allows your family to give you the funeral service and memorial that you would both like.

  Typically, this product is suited to those who want to make sure they do not leave their family and loved ones with the burden of their funeral and other final expenses when they pass away.

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• What is covered?

  You are covered for accidental death as soon as you take out Over 50s Life Insurance. If you die in an accident, you will receive 3 times your selected benefit amount. So, if you choose £10,000 worth of cover and die as the result of an accident, your loved ones will receive £30,000.

  Your Over 50s Life Insurance benefit amount will be paid if you die due to any cause after 12 months from the start date of the policy.

• What is not covered?

  During the first 12 months of the policy, your benefit amount will only be paid if you die as a result of an accident. Should you pass away due to a non-accidental death in the first two years, we will refund any premiums paid towards your policy.

• I'm healthy, why would I need British Seniors Over 50s Life Insurance?

  No-one knows what lies around the corner, whether it’s accident or illness, and securing cover early ensures the protection is there when needed.