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, outstanding debts or 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. It can help give you peace of mind that something is there for your loved ones when the time comes.

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. You can use this money to help pay towards funeral costs, outstanding debts or any other expenses. 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

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.

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.

Compare Over 50 Life Insurance

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

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, outstanding debts or 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. It can help give you peace of mind that something is there for your loved ones when the time comes.
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. You can use this money to help pay towards funeral costs, outstanding debts or any other expenses.

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

How do I buy Over 50 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 50 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.

Get a Quote Buy Online