Over 50s Life Insurance FAQs

You can apply for an Over 50 Insurance Single Plan on your own life (key life insured) or you can apply to include your spouse, civil partner and/or common law partner (partner life insured) under your policy (joint plan).

You (and your partner life insured, if applicable) must be United Kingdom Resident/s between 50 and 79 years of age.

Providing you meet these eligibility criteria, we guarantee to accept your application for British Seniors Over 50s Life Insurance with the Lifetime Payback Guarantee®.

You can arrange cover simply over the phone on 0800 995 1001 now.

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 for a plan to help take care of your funeral expenses could be one of the most important decisions you make.

Securing over 50 life cover early ensures the financial help will be there for your loved ones and it allows your family to give you the funeral service and memorial that you would both like.

British Seniors Insurance Agency offers life insurance for over 50s that’s low cost and easy to get. You can now help protect your family from the financial burden of your funeral and other unexpected costs, in one easy phone call.

Once your Over 50s Life Insurance is in place you can keep it for life and you’ll be covered anywhere in the world, 24 hours a day. Your health and circumstances may change, but as long as you continue to pay your premiums, your Guaranteed Over 50s Life Insurance can continue for life.

Call 0800 995 1001 for more information and you could be covered today!

The Accidental Death Insurance benefit amount will be paid if you suffer an accidental death.

The Over 50s Life Insurance benefit amount will be paid if you die from any cause after 24 months from the start date of the policy.

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.

During the first 24 months from the start date of the policy, a benefit will only be paid if the life insured's death results from an accident. Thereafter a benefit is paid for death by any cause. Should you pass away due to a non-accidental death in the first two years, we will refund any premiums paid towards your 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.

You can select an over 50s life cover option that suits your needs and budget, from £2,000 through to £20,000 benefit (depending on your age). The maximum benefit amount for a life insured under the policy at the start date is:

  • Ages 50 to 54 – up to £20,000
  • Ages 55 to 59 – up to £17,000
  • Ages 60 to 64 – up to £13,000
  • Ages 65 to 69 – up to £12,000
  • Ages 70 to 74 – up to £9,000
  • Ages 75 to 79 – up to £6,000

In the first 24 months benefit is paid only in the event of accidental death, thereafter a benefit is payable on death by any cause.

If death is the result of an accident, then three times the benefit amount will be paid, or if greater, the total premiums that have been paid towards a life insured’s cover (the Lifetime Payback Guarantee amount). This means if you have a £10,000 life insurance benefit, and you die as the result of an accident, the benefit payable to your loved ones would be £30,000.

No, and there are no intrusive questions about your health and lifestyle, and we will not contact your doctor when you apply for our Over 50s Insurance policy.

Accident means an event resulting in bodily injury occurring whilst this policy is in force, where the injury is directly and solely caused by accidental, violent and external means and where the injury is not self-inflicted.

Accidental death means death occurring as a direct result of an accident which took place while the life insured was covered under the policy and where death occurs within 90 days of the accident.

We will pay three times the benefit amount, or if greater, the total premiums that have been paid towards a life insured’s cover (the Lifetime Payback Guarantee® amount).


If you meet the eligibility criteria below, you won’t be turned down, and you won’t be asked a single question about your health or lifestyle when you apply for our Over 50s Insurance policy.

You (and your partner) can apply for British Seniors Over 50s Life Insurance with the Lifetime Payback Guarantee® as long as you are United Kingdom residents aged between 50 and 79.


Absolutely. Once your British Seniors Over 50s Life Insurance is in place, you are covered around the clock, anywhere in the world.

When you apply for your Over 50s Life Insurance with the Lifetime Payback Guarantee®, you will be provided with a quote. Your quote will depend on the amount of cover, your age and whether you have a single or joint plan.

No. Our Over 50s Life Insurance is a Level policy. This is great for people who want certainty, knowing that their increasing age will not affect their monthly premium – it will stay the same each year. 

  • Your premium is guaranteed not to change,
  • Your benefit amount will be fixed.

With the Level premium option, it is important to note that the value of the benefit amount you choose at the start of the policy, may not keep up with inflation. So, if you are planning to leave your benefit amount to pay for funeral expenses, its value may not keep up with funeral cost inflation.

You can ask us to make changes to your policy, however, these changes may be subject to the payment of an additional premium based on your age at the time of the request.

You have 30 days from the receipt of your Policy documents, during which time you can cancel your Policy by writing to us or giving us a call. You can still cancel your Policy after 30 days, but you will not get anything back.

There are 3 ways for your family to make a claim on your Over 50s Insurance policy in the event of your death:

  • Call us FREE on 0800 542 7618
    Monday - Friday from 9 am to 7 pm
  • E-mail us at service@britishseniors.co.uk
  • Write to us at British Seniors Insurance Agency, Landmark Place, Windsor Road, Slough, Berkshire, SL1 1JL.

We will send out a claim form to be completed, signed and returned to us.

Note: If the claim is accepted, the insurer will pay the benefit amount to the person who is legally entitled to it and they will refund any premiums paid between the date of death and the date the claim is paid.

You can put your British Seniors Over 50s Life Insurance policy into trust after you take out the policy. If you are thinking about putting your policy into trust you can get more information here, download a Trust form or you can seek independent legal advice. We are unable to give you any advice or recommendation on the suitability of Trusts.

With the Lifetime Payback Guarantee®, the lump sum payment will always be the greater of the cover amount or the total premiums that have been paid towards a life insured’s cover (the Lifetime Payback Guarantee® amount). This means that with our Over 50s Life Insurance, you can rest assured knowing that you, or your loved ones, will never get back less on death than the premiums already paid in.

Things you need to consider

  • There is no cash-in value at any time
  • Ensure you choose enough benefit amount, as inflation may reduce its buying power over time
  • The protection of the Lifetime Payback Guarantee® applies if you continue your policy for life and will only reduce in value if you reduce your benefit amount.