Coronavirus & Over 50s Life Insurance: What You Should Know

British Seniors

It goes without saying that now more than ever there is a lot of uncertainty. Coronavirus (COVID-19) has become an ever-present part of our daily lives. There’s no doubt that it’s tough for a lot of people out there. At British Seniors, we are here to help make things clearer when it comes to your life insurance.

If you are an existing customer and are worried about how coronavirus affects your over 50 policy, including how we can help if you have been financially impacted, you can get in contact with us for FREE on 0800 542 7618. Our UK customer service team is available from Monday to Friday from 9am to 7pm.

Here you will find some of the most commonly asked questions with regards to coronavirus and life insurance. While there is a lot going on now, by the end of this piece you should be clearer with regards to your life insurance policy.

Does your Over 50 Life Insurance policy cover coronavirus (COVID-19)?

Yes - you are covered under your policy if you pass away as a result of coronavirus after your policy waiting period. Your policy waiting period starts from when you purchased your policy and can be either 12 or 24 months depending on what British Seniors policy you purchased. This means that if you were to take out a policy right now, you wouldn’t be covered until the end of that waiting period for death due to any cause (including coronavirus). If you are unsure of what your waiting period is, or how long you have held your policy for, get in contact with us and we would be more than happy to help you out.

Will my premiums increase as a result of coronavirus (COVID-19)?

No, your premium will not increase as a result of coronavirus. With many Over 50 Life Insurance policies, the premium you pay is fixed for the duration of the policy. With British Seniors, the only time that your premium will increase is if you chose the Increasing Benefit Option at the start of your policy (to help protect your benefit amount from the effects of inflation) or if you apply to increase or decrease it yourself. 

What happens if I am concerned about missing a payment on my life insurance policy?

If you’re concerned that you might have trouble keeping up with your monthly payments due to current circumstances, please do not hesitate to contact us. We have a number of options available to help ease financial pressure including the option to defer premium payments. Existing British Seniors customers can discuss these options by calling us FREE on 0800 542 7618 Monday to Friday 9am to 7pm.

Can I still take out a life insurance policy if I have had coronavirus (COVID-19)?

Yes, you will be able to apply for Over 50 Life Insurance with British Seniors even if you have had coronavirus in the past. With our Over 50 Life Insurance policies, we offer guaranteed acceptance if you are aged 50-80 and a UK resident. This means that regardless of your health situation (either currently or in the past), you can apply for life insurance. 

Will it take longer to process claims for life insurance?

We are experiencing no delays in terms of processing claims on policies at the moment. We understand that it can be an extremely stressful time. With all claims, we aim to have them processed within days of receiving them. Claims can be made by either phone, post or email. 

Phone:  0800 542 7618, weekdays from 9am to 7pm

Post:     Customer Services,

              British Seniors Insurance Agency

              PO Box 6063, Windsor, SL4 9GL


If I contracted coronavirus (COVID-19) abroad, is my policy still valid?

Yes, your policy will still be valid. This applies even if you were to pass away abroad. As long as you are a UK resident at the time of purchase and continue to make payments from a UK bank account, your policy will remain valid. With British Seniors, your policy is valid 24/7 no matter where you are in the world.

Why are British Seniors continuing to advertise during the crisis?

At all times we strive to be as open and honest as possible with our customers. What we offer our customers is the opportunity to help their loved ones. Now more than ever, things seem far more uncertain.

We want to give our customers the best chance of finding that stability with our life insurance policies. We only want the best and are available to support you if you have any questions with regards to your policy. This applies to all customers, regardless of how long they have been with us.

Where can I find the latest information about coronavirus (COVID-19)?

There are a lot of sources that are vying for our attention now and it can be hard to know who to trust. Here are some of the most reliable sources of information right now:


Without a doubt, one of the most reliable sources is the NHS website. Here you will find all of the most up-to-date information about coronavirus, along with the official numbers with regards to the progress of the virus.

The UK Government

Another source of information to stay up to date with is the UK Government website. On the website, you can also sign up for email updates to keep you informed if there have been any changes with regards to the lockdown.

Citizens Advice

If you’re looking for a straightforward explanation of how COVID-19 affects you in different ways, this website will provide you with the latest updates. It will give you information on things like holidays you’ve booked and advice on dealing with financial concerns during this time.

Age UK

Help doesn’t have to come just in the form of money advice. It’s important that we look out for our mental health during this stressful time. Age UK has advice when it comes to feeling anxious about coronavirus. There are plenty of tips on how to approach your wellbeing during this stressful time.

We understand that for the most part, this is an evolving situation. Things can change quickly, even in a matter of days. If you have any questions in relation to how new changes might affect your British Seniors life insurance policy, you can get in contact with us at any time over the coming weeks and months.