Protection to be proud of from £4.32 a month1

At British Seniors, we understand that there’s nothing more important to you than your family. That’s why our protection is designed with them in mind. Our Over 50 Life Insurance is a simple way to leave behind a lump sum to help protect your loved ones when you’re no longer around. It could be used to help your family cover the cost of your funeral or other debts and bills.  

There are no medicals or blood tests needed and acceptance is guaranteed for UK residents aged 50 to 80. As long as you continue to pay your monthly premiums, you’re covered for the rest of your life. And when you pass away, your family are guaranteed a lump sum payment. Applying online is straightforward, or if you’d rather speak to a real person you can call us – we’re based right here in the UK. Once it’s sorted, you can have some peace of mind knowing you've helped financially protect your loved ones when it matters most.

What does Over 50 Life Insurance cover?

Getting to grips with the different life insurance policies available may seem overwhelming at first, but we’re here to help. Let’s have a look at some of the key differences between our Over 50 Life Insurance and our Seniors Term Life Insurance. 

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Over 50 Life Insurance
  • Get up to £10,000 of cover   
  • Guaranteed acceptance for UK residents aged 50-80  
  • £300 Funeral Benefit Option  
  • Immediate cover for accidental death - get 2X your benefit amount paid out up to £20,000 if death is due to an accident   
  • No medicals or blood tests   
  • From the policy anniversary following your 95th birthday, your cover is FREE  
Seniors Term Life Insurance
  • Get up to £100,000 of cover 
  • Health and lifestyle questions determine your eligibility 
  • FREE Healthcare Services with your policy  
  • Immediate cover for accidental death 

Learn more

How much will it cost?

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

Key benefits of getting Over 50 Life Insurance

Guaranteed acceptance
Guaranteed acceptance We guarantee acceptance for UK residents aged 50 to 80. It’s that simple.
No medical or health questions
No medical or health questions We won't ask you for a medical, blood test or questions about your medical history.
Easy to arrange
Easy to arrange Get life insurance in one simple phone call.

How much cover do I need?

How much life insurance you need will depend on what you want it to be used for.  

Over 50 Life Insurance can be a way to help cover your funeral, so that the financial burden doesn’t fall on your family. If you intend your payout to be used for this, you should consider what kind of funeral you would like, how much that may cost and how much you want to contribute towards it.  

You might prefer that your loved ones use the payout to help cover household bills and other expenses. If so, it would be helpful to think about what financial obligations they could have after you’re gone and how far the money would stretch.   

Importantly, you need to think about your ability to pay your monthly premiums now and in the future. If you’re still unsure how much cover you need, our friendly UK based team are on hand to help you explore your options. You can also learn more about what over 50 Life Insurance could do for you in our helpful guide.  

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FREE £300 Funeral Benefit Option with your policy

We've partnered with Golden Charter, one of the UK's largest networks of funeral directors, to help make things simple for your loved ones when you pass away. When you take out British Seniors Over 50 Life Insurance, you will also have the option to take out a Funeral Benefit Option which gives a FREE £300 contribution towards the cost of your funeral.  

So, for 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 towards the cost of your funeral.  Any excess benefit amount not used for your funeral will be paid to your estate or next of kin. 

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Frequently Asked Questions

  • What is Over 50 Life Insurance?

    Over 50 Life Insurance is a type of life insurance policy that is designed to leave a lump sum payment behind to help your loved ones pay towards things like funeral costs and outstanding debts, or can even be used as a gift. With British Seniors, you choose a benefit amount and a monthly premium that suits your needs. There are no questions about any health conditions you may have, and you won’t have to provide a medical. Once it’s in place, you can have peace of mind that your loved ones will have some financial help when you’re gone. 

  • Who can take out Over 50 Life Insurance?

    As long as you’re a UK resident aged 50-80, you’re eligible to take out Over 50 Life Insurance with British Seniors. Acceptance is guaranteed. You can apply for a single policy or joint policy if you want to take out protection with your spouse, civil partner, or common-law partner. 

  • How much cover can I have?

    With British Seniors Over 50 Life Insurance, you can choose a benefit amount between £1,000 and £10,000, depending on your age. There are no questions about your health or any medical conditions that you may have. It can be used to help your loved ones pay towards things like funeral costs, outstanding debts or even be used as a gift. The maximum benefit amount you can secure at the start date is:  

    • Ages 50 to 69 – up to £10,000  
    • Ages 70 to 74 – up to £9,000  
    • Ages 75 to 80 – up to £6,000 
  • What is covered?

    Acceptance is guaranteed for UK residents aged 50-80. You won’t need to provide a medical or blood tests to get cover. You will have immediate cover for accidental death. After 12 months, you will also be covered for death by any cause. As well as that, if you die in an accident, you’ll get 2X your benefit amount paid out up to £20,000. That means if you choose £10,000 of cover and die in an accident, your family would receive £20,000. 

  • What is not covered?

    For the first 12 months of your policy, you will only be covered for accidental death. After that, you will then also be covered for death by any cause. You must be a UK resident aged 50 to 80 to be eligible for cover. 

View all frequently asked questions

Free Info Pack

Find out more about British Seniors and our Over 50 Life Insurance with our free Information Pack. It includes easy-to-understand information and important things you should consider before taking out a policy.

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
View full policy terms & conditions

How to get Over 50 Life Insurance

How our claims process works

1. Get in touch

Simply call us or email service@britishseniors.co.uk to get the claims process started. Our experienced claims team are specially trained to handle all calls with care and compassion.   

2. Review

We will then send out a claim form to be completed, signed and returned to us. The claim will be reviewed as quickly as possible. The person making the claim might be contacted if needed.  

3. Payout

As soon as a claim is accepted, we will pay the benefit amount to the person legally entitled to it. We’ll also refund any premiums paid between the date of death and the date the claim is paid.  

Why get Over 50 Life Insurance with British Seniors?

  • Our Over 50 Life Insurance is rated 5-Stars by Defaqto - providing one of the highest quality offerings on the market.
  • Guaranteed acceptance – As long as you’re a UK resident aged between 50–80.
  • Easy to arrange – Get covered for Over 50 Life Insurance in one easy phone call.
  • Get cover with no health or medical questions needed.
  • Guaranteed cash payout – Choose up to £10,000 of cover depending on your age.
  • Immediate cover – You will be covered for accidental death immediately, plus death by any cause after 12 months.
  • Affordable cover – With premiums starting at just £4.32 per month1.
  • £100 M&S Gift Card* – FREE to everyone who takes out a policy.
  • FREE Will Kit worth £100 – Sent with every policy purchased.
  • We are a Feefo Platinum Trusted Service Provider, based on independent customer reviews, having achieved a Gold rating three years in a row. 

We are a Feefo Platinum Trusted Service Provider

Based on independent customer reviews, having achieved the Platinum Rating for 2021. Read all Reviews

“Really helpful in all respects”

Lady was extremely helpful. She answered all of our questions with knowledge and couldn't have done more. She was not at all pushy like others we have spoken to.

Kay - February 2021

“Helpful not pushy”

The agent that called me was very polite and knowledgeable. He asked me why I was looking for the product and agreed I was asking for the right product. He was precise with his answers and wasn't at all pushy. Couldn't ask for a better experience.

Keith – February 2021

“The flexibility of the monthly payment persuaded me to use British Seniors”

The flexibility of the monthly payment persuaded me to use British Seniors. As a self-employed person my income varies all the time and knowing I can reflect this in my life insurance payments in just a phone call is perfect.

Trusted Customer - January 2021

“Very pleased”

Excellent service all round, efficient advisor explained everything fully with no pressure. The documents arrived within days and are all correct.

Lenore – January 2021

“Clear and concise!”

Excellent and clear explanation of everything I needed to know. Told the guy what I needed and was all sorted in minutes.

Elaine – January 2021

“Excellent customer service”

The person I spoke to was very helpful as I explained what I wanted. He was very clear and explained every step. At the end he reiterated the whole policy to make sure I understood and that the policy was what I wanted.

Trusted Customer – January 2021

“In the past I've been with the rest, now I am with the best”

Quick, straight to the point. No nonsense facts. You don't feel pressured when being given good advice like with some other companies.

Steven – January 2021

“Unfussy, uncomplicated and clear and concise information”

They replied to my enquiry promptly. Listened to what I wanted and why. Explained everything without jargon and gave me ample opportunity to ask questions. The paperwork arrived promptly and is in plain English. Everything is set out as discussed.

Corinne – January 2021

“Good service, well represented polite and helpful”

I was very happy with the level of service I received from your polite and knowledgeable gentleman. He gave me the facts and figures I needed to make an informed decision regarding my purchase, I would recommend British Seniors again to anyone who requires this kind of service.

Trusted Customer – January 2021

Call us today about Over 50 Life Insurance

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*

£100 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 here.

1

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