So you can trust that when the time comes, we will be here to help your family.
We guarantee that what you pay for your policy each month will stay the same3
You’ll have cover right away for accidental death, plus death by any cause after 12 months
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 when you’re gone.
It’s simple. You choose a benefit amount that suits your needs, with a monthly premium that you can afford. When you’re happy with your cover, you can get it sorted in a quick call. UK residents aged 50 to 80 are guaranteed to be accepted. Which means no medicals, blood tests, or complicated forms.
When you buy your policy, you’ll have immediate cover for accidental death,5 which means you can relax with one less thing to worry about. Our cover 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’re gone.
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 ratings of all Over 50s Life Insurance providers with more than 500 reviews on each of the following platforms: Trustpilot, Google, Feefo 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 30/06/25
Provider
Sunlife
Legal & General
One Family
Product
Over 50s Life Insurance
Over 50's Life Insurance
Over 50 Life Insurance
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
£9,305*
Joint policy option
Free Funeral Benefit Option
£300
£250
£250
£300
Free Health and Wellbeing services1
Increasing Benefit Option
*Max amount available for a 50 year old
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As a thanks for trusting British Seniors to help protect your loved ones, we’re giving you the choice of a £135 Gift Card from one of three top UK retailers.
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. The good news is that 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:
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.4
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.
Find the answers to the most commonly asked questions about our Over 50 Life Insurance
British Seniors Over 50 Life Insurance is a guaranteed, whole of life policy. It’s designed to help protect your loved ones when you’re gone. Depending on your age, you could leave behind a lump sum up to £10,000. This could help with funeral expenses, or it could go towards other costs and debts that your family may need help with.
Follow our simple 3 step process to make a claim . Our experienced team are specially trained to handle all calls with care and compassion.
We've partnered with Golden Charter to offer you a FREE £300 contribution towards the cost of your funeral. Our Funeral Benefit Option helps to make 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.7
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