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 or other final expenses could be one of the most important decisions you make. Securing over 50 life cover early can help ensure the financial help will be there for your loved ones to allow 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.

You are covered for accidental death as soon as you take out Over 50s Life Insurance. If you die in an accident, your loved ones will receive twice your benefit amount. So, if you choose £10,000 worth of cover and die as the result of an accident, they'll receive £20,000. 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.

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 year, 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.

Over 50s Life Insurance Comparison

Check out how we compare

We want you to make an informed decision before taking out cover with us. It's good to know how our Over 50s Life Insurance product compares to some of the other providers. Before you compare, it’s important to know that that UK residents aged between 50 and 80 years of age are guaranteed to be accepted for British Seniors Over 50s Life Insurance. There are no medicals or health questions, and unless you choose the Increasing Benefit Option, you will enjoy fixed monthly premiums – this means that the amount you pay will never increase.

Below is a quick overview and if you would like to know more, you can call us FREE on undefined

SunLife

Royal London

Post Office

Legal & General

SunLife

Royal London

Post Office

Legal & General

Correct as at: 01/02/2020

Apply for up to £10,000

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

Do you ever stop paying premiums?

Usually premiums will stop on the policy anniversary following your 90th or 95th birthday, or after you have held the policy for a certain number of years. At this point, premiums are no longer payable, but your cover still continues for the whole of your life.With British Seniors, your premiums will stop on the policy anniversary following your 95th birthday.

Immediate 2x cover from accidental death

British Seniors will pay two times your benefit amount in the event of accidental death, and this benefit is immediately available, with no waiting period.

Joint Policies

With British Seniors, you can add a partner to your policy.

Unlimited Changes

With British Seniors, you can apply to make unlimited changes to your policy as often as you like. Some other insurers only offer limited changes, so they're not as flexible.

Recommended by experts

We're proud that our cover's 5 Star rated by Defaqto - a trusted industry expert.

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 or other final expenses could be one of the most important decisions you make.

Securing over 50 life cover early can help ensure the financial help will be there for your loved ones to allow 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.
Find Out More
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, your loved ones will receive twice your benefit amount. So, if you choose £10,000 worth of cover and die as the result of an accident, they'll receive £20,000.

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 year, 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.

View all frequently asked questions

How do I buy Over 50s Life Insurance from British Seniors?

You can choose to get a quote or buy online, but if you prefer to speak to one of our highly trained UK life insurance specialists, you can also call us FREE on undefined

With over 50s Life Insurance from British Seniors you're taking a positive step to help protect your loved ones from funeral costs or final expenses. It's a proud moment knowing you can go on helping to protect them when you're no longer around.

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