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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 Option2 
  • 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?

When securing your Over 50 Life Insurance, you want to make sure you get the right protection at an affordable price. With British Seniors there’s no need to break the bank, it’s possible to get Over 50 Life Insurance from as little as £4.32 a month1 .

When it comes to your monthly premiums, there are a few different things that can play a part in how much you pay:  

  • 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

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.
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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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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
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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. If you choose an unattended cremation, please note that the £300 contribution will not apply.2 

Learn More

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
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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.

How to get Over 50 Life Insurance

Over 50 Life Insurance from British Seniors can help you to protect your family from the financial burden of funeral expenses and other debts. Getting affordable cover in place is simple. You don’t need to provide a medical or blood tests, and acceptance is guaranteed for UK residents aged 50-80. You can get a quote in a matter of seconds and once it’s sorted, you can relax knowing you’ve done them and yourself proud.    

Our friendly UK based team are on hand to answer any questions or concerns you may have. If you want to get in touch, you can call us on 0800 803 0052, Monday to Friday from 8:00 am to 9:00 pm, Saturday from 9:00 am to 6:00 pm and Sunday from 9:00 am to 5:00 pm. And if it suits you better, we can call you.   

If you prefer, you can also buy Over 50 Life Insurance online. It should only take a few minutes and everything you need to know will be presented to you in a clear and concise manner.

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.  

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Why get Over 50 Life Insurance with British Seniors?

  • British Seniors is here to help you financially protect the ones you love most. With award-winning customer service, you know you’re getting service you can trust. 
  • 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. 
M&S Free £100 gift card with British Seniors Icon

Call us today about Over 50 Life Insurance

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M&S Free £100 gift card with British Seniors Icon

*

£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.

2

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.