Help protect your loved ones starting from £4.14 a month*

With an easy application, guaranteed acceptance, no medicals or blood tests and affordable monthly payments, you can help put financial protection in place today. Applying online is straightforward or, if you prefer to speak to a real person, we're right here in the UK. Helping to financially protect your loved ones when you’re gone couldn't be simpler with British Seniors.

Policies start from as little as £4.14* per month (that's just 14p a day). So don't miss out, get your quote today.

Key Benefits

  • Guaranteed acceptance - as long as you're a UK resident aged 50-80
  • Choose your benefit amount from £1,000 to £10,000 - depending on your age
  • No health or medical questions
  • Guaranteed no increases - the amount you pay will never increase, unless you choose the Increasing Benefit Option to help protect your policy from the effects of inflation
  • Immediate cover - for accidental death, plus death by any cause after 12 months
  • 2X benefit amount paid out - up to £20,000 if death is due to an accident
  • Free cover after age 95 - from the policy anniversary following your 95th birthday, premiums are no longer payable and your cover continues for life
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Recommended by experts

We're proud our cover is 5 Star rated by Defaqto - the trusted industry expert. 

Free £300 Funeral Benefit Option

We've partnered with Golden Charter, one of the UK's largest network of funeral directors to bring you the Funeral Benefit Option that gives a FREE £300 contribution towards the cost of your funeral, it couldn't be simpler. 

As an example, if your benefit amount is £5,000 and you add the Funeral Benefit Option to your policy you will have £5,300 in total toward the cost of your funeral. Any excess benefit not paid to Golden Charter for your funeral will be paid to your estate or next of kin.

Funeral Benefit Option

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British Seniors life insurance customer service team

Fast cash lump sum payouts from our award winning customer service team

It's important to us that your loved ones get access to a cash lump sum as quickly as possible. That's why we aim to approve claims within days of receiving them, so you can rest assured that we'll be there when they need us. 

Our UK-based call centre has won the Feefo 2020 Platinum Trusted Service award. We’re proud to say it’s the fourth year in a row we’ve received it.

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Frequently Asked Questions

  • Who can take out Over 50s Life Insurance?

    You can apply for Over 50s Life Insurance if you are a UK resident aged 50-80. You can apply for a single policy or a joint policy to include your spouse, civil partner and/or common-law partner under a joint policy.

    Providing you meet the eligibility criteria, we guarantee to accept your application.

  • Why is this cover important?

    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 taking out an over 50s life insurance policy to help take care of your funeral expenses or other final expenses could be one of the most important decisions you make.

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

    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.

    Find Out More
  • What is covered?

    You are covered for accidental death as soon as you take out Over 50s Life Insurance. If you die in an accident, your loved ones will receive twice your benefit amount. So, if you choose £10,000 worth of cover and die as the result of an accident, they'll receive £20,000.

    Your Over 50s Life Insurance benefit amount will be paid if you die due to any cause after 12 months from the start date of the policy.

  • What is not covered?

    During the first 12 months of the policy, your benefit amount will only be paid if you die as a result of an accident. Should you pass away due to a non-accidental death in the first year, we will refund any premiums paid towards your policy.

  • I'm healthy, why would I need British Seniors 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.

View all Frequently asked questions

How do I buy Over 50s 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 50s 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.

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Things to consider

  • Consider the benefit amount you choose as inflation may reduce its buying power over time. If you choose the Increasing Benefit Option, this can help to protect your policy from the effects of inflation
  • Depending on how long you live, you may pay in more than we pay out
  • This policy has no cash-in value
View full policy terms & conditions

Call us today about Over 50s Life Insurance

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†

£75 M&S 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. View full terms and conditions.

*

For a 50-year-old non-smoker with £1,000 of cover.