Feel proud you chose joint Over 50 Life Insurance

Getting joint cover for both you and your partner is simple and straightforward. You won’t have to be married to someone to take out a joint policy with them. You are eligible to take out a joint plan with a legal spouse, civil partner or common law partner. As long as you’re both UK residents aged 50-80, you’re guaranteed to be accepted with no medical or blood tests. Affordable monthly premiums could cost less than you think, and within minutes you can have peace of mind knowing that you've helped to protect your loved ones.


Our team of UK based specialists is dedicated to finding you the right cover for your needs.

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Why choose British Seniors?

  • Affordable joint cover - starting from £8.64 per month1
  • 100% of Claims Paid2 - So you can trust that when the time comes, we will be here to help your family
  • Guaranteed cash payout - Choose up to £10,000 of cover depending on your age
  • Premiums will never go up3 - We guarantee your premiums will stay the same each month
  • Guaranteed acceptance - For UK residents aged 50-80
  • Immediate cover - For accidental death, plus death by any cause after 12 months
  • FREE access to Health and Wellbeing services - 24/7 online UK GPs, physiotherapy assessments, mental health specialists and more4
  • No medicals, blood tests - Easy to arrange in one simple phone call

Get your joint life insurance quote

You both must be UK residents aged between 50 and 80 to apply for this policy
Please enter a valid UK phone number
You can read our terms of use and our privacy policy. When you click "Get a Quick Quote", you agree that we can use your phone number and email address to contact you about your quote. We may send you a text message to help you choose the best time for us to reach you.

Things to consider

  • Consider the benefit amount you choose as inflation may reduce its buying power over time. This may also result in the cover chosen not being sufficient to pay for funeral expenses in full when the time comes
  • You may pay in more than we pay out
  • If you stop your monthly payments, you will get nothing back
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The UK’s No 1 Rated Provider**

We’re proud to protect and it shows. We’re The UK’s No.1 rated provider of Over 50s Life Insurance - with the highest ratings of all Over 50s Life Insurance providers with more than 500 reviews on each of the following platforms: Trustpilot, Google, Feefo and REVIEWS.io. You can see how we compare here. We’re rated ‘Excellent’ by Trustpilot with a TrustScore of 4.9 and more than 10,000 reviews. We're rated platinum on Feefo – based on independent customer reviews, having achieved a Gold for ten years in a row. We’re also the winners of the “Best Life Insurance Provider (Over 50’s)” award in the What Mortgage Awards 2024.

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What does joint Over 50 Life Insurance cover?

With a joint over 50 life insurance policy from British Seniors you can rest assured that both you and your partner are protected. Unlike some joint policies, our policies pay out a cash lump sum for each life insured. This means that the policy won’t end if one person passes away. All while only having only one set of documents and one simple payment each month.


Here are some other features to consider when choosing British Seniors.

More reasons to choose British Seniors

  • Choose a £135 Gift Card* from Amazon.co.uk, M&S or Tesco with every policy
  • Free Will Kit - With every policy purchased
  • Accidental death cover - Depending on your age, get 2X your benefit amount paid out up to £20,000 if death is due to an accident
  • Free £300 Funeral Benefit Option5 - Get a FREE £300 contribution towards the cost of your funeral
our biggest ever gift

£135 Gift Card for new policyholders*

As a thanks for trusting British Seniors to help protect your loved ones, we’re giving you the choice of a £135 Gift Card from one of three top UK retailers.

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Call us today about Joint Life Insurance

British Seniors, Proud to Protect

We’re here to help you protect the ones you care about most. Call our specialist UK team to explore your options and get your free quote.

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*

£135 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. Restrictions apply, see www.amazon.co.uk/gc-legal. View full terms and conditions here.

1

For a joint policy for two 50-year-old non-smokers with £1,000 of cover each.

2

The products offered by British Seniors are provided by Aviva Protection UK Limited, who approved and paid 100% of all British Seniors claims received in 2023, in accordance with the policy terms and conditions.

3

Prices stay the same unless you choose our Increasing Benefit Option. If you choose this, your premiums and benefit amount will increase each year to help combat inflation.

4

Please note that the British Seniors Health and Wellbeing services do not form part of your life cover contract and can be changed or removed at any time. These services are only available to customers who purchased their policy on or after 15th November 2023.

5

If you choose an unattended cremation, please note that the £300 contribution will not apply. An unattended cremation means any cremation where there is no funeral service, funeral procession (or other services such as family viewing, limousine(s), embalming or delivery of ashes). The cremation is arranged at a crematorium at a date and time chosen by the allocated funeral director and without anyone attending other than the funeral director’s staff.