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Over 50s Life Insurance

Help cover funeral costs, outstanding debts, or even leave behind a gift.

Funeral Insurance
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Award winning service

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 on Trustpilot, Google, and Reviews.io. 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 also rated platinum on Feefo – based on independent customer reviews, having achieved a Gold for more than three years in a row. In 2023 we were shortlisted in the Best Life Insurance Provider (over 50s) category by What Mortgage in their annual awards.

We're proud to protect

What is Over 50 Life Insurance?

Life is all about family and it’s natural to want to keep them safe. As you get older you may become concerned about how you can continue to take care of them after you’re gone. Our Over 50 Life Insurance is designed to provide some financial security for your family and peace of mind for you. Depending on your age, you could leave behind a lump sum up to £10,000. This could help pay for your funeral, or it could go towards other costs and debts that your family might face.

  • Guaranteed payout – Choose up to £10,000 of cover depending on your age
  • Guaranteed acceptance – For UK residents aged 50 to 80
  • Immediate cover – For accidental death, plus death by any cause after 12 months
  • No medicals, blood tests or complicated forms – Easy to arrange in one simple phone call
  • FREE access to Health and Wellbeing services1

Our gift to you

£125 Gift Card for new policyholders*

To thank you for choosing British Seniors to help protect your loved ones, we’re giving you a £125 Gift Card from one of three top UK retailers. The choice is yours and you can spend it however you want.

amazon
ms
tesco

How does it work?

British Seniors Over 50 Life Insurance is a simple way to help protect your loved ones when you pass away. Simply choose a benefit amount with a monthly premium that you can afford. When you’re happy with your chosen cover, you can get it sorted out in one quick phone call. If you’re a UK resident aged 50 to 80, your application is guaranteed to be accepted. That means no medicals, blood tests, or long complicated forms.


When you buy your policy, you’ll have immediate cover for accidental death, plus death by any cause after 12 months. Which means you can relax with one less thing to worry about. This is a whole of life policy, so as long as you keep up with your payments, your family are guaranteed a lump sum payout when you pass away.

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We’re the UK’s No.1 rated provider of Over 50s Life Insurance2

When deciding your life insurance provider you have lots to choose from. But too much choice can feel overwhelming if you don’t know where to start. So, let’s break it down. When buying life insurance, you want to make sure you’re choosing cover that’s right for you and your family. Things to look at are how much cover you need, whether you can get a joint policy, and what benefits are included with the cover.


Since 2012 more than 200,000 people across the UK have trusted us to help them to protect their loved ones. In fact we’re the UK’s No.1 rated provider of Over 50s Life Insurance – with the highest rating of all Over 50s Life Insurance providers on Trustpilot, Google and Reviews.io. You can see how we compare here. So when you choose British Seniors, you can trust you’re in safe hands. The information in the below table is correct as of 25/10/23.

Provider

British Seniors Logo

Sunlife

Legal & General

One Family

Product

Over 50s Life Insurance

Guaranteed Over 50 Plan

Over 50s Life Insurance Plan

Over 50s Life Cover

Accidental death cover

2X your benefit amount if death is due to an accident

Payout of benefit amount

Payout of benefit amount

3X your benefit amount if death is due to an accident

Max benefit amount

£10,000

£18,000

£10,000

£9,206

Joint policy option

Free Funeral Benefit Option

£300

£250

£250

£300

Free Health and Wellbeing services

Increasing Benefit Option

We currently have an Excellent rating with a TrustScore of 4.9 stars on Trustpilot from more than 10,000 reviews. We are also a Feefo Platinum Trusted Service award winner – based on independent customer reviews, having achieved a Gold for more than three years in a row. Check our reviews to learn more.

or call us

0800 803 0052

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Why British Seniors?

We believe that protecting your family is the most important thing you can do in life. Since 2012, we’ve helped over 200,000 people across the UK to do just that. We’re life insurance specialists that keep things simple and straightforward so you can get the cover you need, when you need it.


We’re proud to be No.1 - with the highest rating of all Over 50s Life Insurance providers on Trustpilot, Google and Reviews.io. See how we compare here.

100% of claims will be paid³

100% of claims will be paid³

So you can trust that when the time comes, we will be here to help your family

Your premiums will never go up

Your premiums will never go up

We guarantee that what you pay for your policy each month will stay the same4

You'll speak to a real person

You'll speak to a real person

We guarantee you’ll be in touch with a real person based right here in the UK

Things to Consider

  • Inflation may reduce value of cover. If you choose the Increasing Benefit Option, this can help to protect your policy from the effects of inflation.
  • You may pay in more than we pay out.
  • If you stop your monthly payments, you will get nothing back.
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How much does it cost?

When it comes to protecting your family, you want to make sure you get it right. But with so much on offer and so many different price points you might not know where to start. One common misconception is that all life insurance is expensive. At British Seniors, your policy is tailored to you, so you can choose a policy that suits your budget. How much you pay is based on:

  • Your age at the time of applying
  • Your smoker status
  • How much cover you need
  • Whether it’s a single or joint policy
  • Whether you choose a level or increasing policy

Age

Max Cover Amount

50

£10,000

55

£10,000

60

£10,000

65

£10,000

70

£9,000

75

£6,000

80

£6,000

Look after your family's health

We believe that the right cover should help protect your family’s future, and it should also help protect them today. When you take out Over 50 Life Insurance with British Seniors, you’ll have access to a range of free Health and Wellbeing services.1


Available to you, your partner, and any children you have up to the age of 21, our Health and Wellbeing services are designed to help keep the whole family healthy and happy. The services include 24/7 UK GP advice, expert nutritionist advice and mental health support.

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Over 50 Life Insurance FAQs

Find the answers to the most commonly asked questions about our Over 50 Life Insurance

Make a claim

Follow our simple 3 step process to make a claim . Our experienced team are specially trained to handle all calls with care and compassion.

Get in touch

Call us on 0800 542 7618 or email claims@britishseniors.co.uk to get the claims process started. Our team handle all claims with compassion and care.

Review

Depending on the policy, we may be able to collect the claim information over the phone. Or, you can email us and we’ll send you a claim form to be completed and returned to us.

Payout

As soon as the claim is accepted, we pay the benefit amount to the person legally entitled to it. We also refund any premiums paid after the death.

Free Funeral Benefit Option

We've partnered with Golden Charter, who are owned by an association of independent funeral directors, to offer you a FREE £300 contribution towards the cost of your funeral. Our Funeral Benefit Option is a way of making things simple for your family when you pass away, and it could help to make your money stretch a little further for your funeral. 


How it works is simple. If your benefit amount is £5,000 and you add the Funeral Benefit Option to your policy, you will have £5,300 in total towards the cost of your funeral. We’ll simplify your payment arrangements by paying your benefit amount directly to Golden Charter. If there is any excess benefit amount left once your funeral has been paid for, it will then be paid to your estate or next of kin. Please note that if you choose an unattended cremation, the £300 contribution will not apply.5

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Get a quote

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.

or call us

0800 803 0052
*

£125 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

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.

2

We have the highest rating of all Over 50s Life Insurance providers on Trustpilot, Google, and Reviews.io. See how we compare here.

3

The products offered by British Seniors Insurance Agency are provided by AIG Life Limited, who approved and paid 100% of all British Seniors Guaranteed Over 50s Life Insurance claims received in 2022, in accordance with the policy terms and conditions.

4

Premiums will never increase unless you choose the Increasing Benefit Option.

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.

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