Discover how we compare

There are plenty of choices out there and it can seem overwhelming. It’s important to know that you’re getting value for your money as well as getting a high-quality life insurance policy. We’ve put together this list of comparisons in order to help you understand what makes British Seniors different. Our highly trained UK based life insurance specialists are ready to help you arrange cover over the phone. You can also arrange cover online; both ways only take a few minutes. No matter what you choose, you can feel confident that when the time comes your family will feel supported.  The information in the below table is correct as of 05/04/2022.

British Seniors Insurance Agency
  • Apply for up to £10,000
  • Stop paying premiums on the policy anniversary following your 95th birthday
  • Immediate cover for accidental death with 2x benefit amount
  • Joint Policies, add your partner
  • Flexible, unlimited changes

Legal & General

  • Apply for up to £10,000
  • Monthly premiums are payable on a policy up to the age of 90
  • Immediate cover for accidental death with 2x benefit amount
  • Joint Policies, add your partner
  • Flexible, unlimited changes

Royal London

  • Apply for up to £10,000
  • Stop paying premiums on the policy anniversary following your 95th birthday
  • Immediate cover for accidental death with 2x benefit amount
  • Joint Policies, add your partner
  • Flexible, unlimited changes

SunLife

  • Apply for up to £18,000
  • Option to end premiums at age 80-88, depending on age at application
  • Immediate cover for accidental death with 2x benefit amount
  • Joint Policies, add your partner
  • Flexible, unlimited changes

Comparison Points Explained

Apply for up to £10,000

Depending on your age you can apply for a benefit amount up to £10,000.

Immediate cover 

Like other insurers we cover accidental death immediately. However, unlike other insurers, if you pass away as a result of an accident with British Seniors, your loved ones will be paid 2x the benefit amount. Then after 12 months you’ll be covered for death from any cause. 

Joint policies

With British Seniors, if you choose a Joint policy, you can each apply for individual benefit amounts. Sometimes it can make sense to cover someone else under the same policy. Other insurers only offer single policies to their customers. British Seniors allows you to do this in a simple and straightforward way, online or over the phone. 

Flexible policies

At British Seniors we understand that circumstances can change quickly, and life doesn’t always go to plan. That’s why we’ve made it so you can apply to make changes to your policy. So, you’ll never feel locked into something that’s not suitable for you.  

Stop paying premiums 

With British Seniors, on your policy anniversary following your 95th birthday you will no longer have to pay premiums. You will still be covered by British Seniors for the whole of your life. 

Frequently Asked Questions

  • What is Over 50 Life Insurance?

    Over 50 Life Insurance is a type of life insurance policy that is designed to leave a lump sum payment behind to help your loved ones pay towards things like funeral costs and outstanding debts, or can even be used as a gift. With British Seniors, you choose a benefit amount and a monthly premium that suits your needs. There are no questions about any health conditions you may have, and you won’t have to provide a medical. Once it’s in place, you can have peace of mind that your loved ones will have some financial help when you’re gone. 

  • Who can take out Over 50 Life Insurance?

    As long as you’re a UK resident aged 50-80, you’re eligible to take out Over 50 Life Insurance with British Seniors. Acceptance is guaranteed. 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. 

  • How much cover can I have?

    With British Seniors Over 50 Life Insurance, you can choose a benefit amount between £1,000 and £10,000, depending on your age. There are no questions about your health or any medical conditions that you may have. It can be used to help your loved ones pay towards things like funeral costs, outstanding debts or even be used as a gift. The maximum benefit amount you can secure at the start date is:  

    • Ages 50 to 69 – up to £10,000  
    • Ages 70 to 74 – up to £9,000  
    • Ages 75 to 80 – up to £6,000 
  • What is covered?

    Acceptance is guaranteed for UK residents aged 50-80. You won’t need to provide a medical or blood tests to get cover. You will have immediate cover for accidental death. After 12 months, you will also be covered for death by any cause. As well as that, if you die in an accident, you’ll get 2X your benefit amount paid out up to £20,000. That means if you choose £10,000 of cover and die in an accident, your family would receive £20,000. 

  • What is not covered?

    For the first 12 months of your policy, you will only be covered for accidental death. After that, you will then also be covered for death by any cause. You must be a UK resident aged 50 to 80 to be eligible for cover. 

View all frequently asked questions
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Free Info Pack

Find out more about British Seniors and all you need to know about our Over 50 Life Insurance with our easy-to-understand information pack. It’s completely free and it includes important things to consider before you purchase.
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£100 M&S Gift Card, for new policy holders only, after six successful monthly payments and once your total premiums paid exceeds the value of your Gift Card. View full terms and conditions here.