Protection to be proud of starting from £4.32 a month*

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. Once it’s sorted, you can have some peace of mind knowing you've helped to protect your loved ones when it matters most. 

British Seniors Over 50 Life Insurance is a whole-of-life policy so 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. 

Free Info Pack

Want to learn more about Over 50 Life Insurance and find out how British Seniors could help you to leave behind a legacy to be proud of? Our Information Pack is completely free and includes easy-to-understand information and important things to consider when buying life insurance. 

How much cover do I need?

How much life insurance you need will depend on what you want it to be used for. Whether you would like your benefit amount to be used to help cover your funeral, household bills or other debts, it’s important to consider how much you may need to pay for those expenses. You should also consider how much you want to contribute towards them. Similarly, if you intend your benefit amount to be left behind as a gift, consider how much you want to leave to help your family carry on when you’re no longer around. 

Importantly, you need to think about your ability to pay your monthly premiums now and in the future. With British Seniors, you could get protection in place from as little as £4.32* a month – that’s just 15p a day. If you’re still unsure how much cover you need, our friendly UK 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. 

Why get Over 50 Life Insurance with British Seniors?

With British Seniors, prices start from as little as £4.32* a month. There are no medicals or blood tests needed, and acceptance is guaranteed for UK residents aged 50–80. Here are some of the benefits you can look forward to when you choose British Seniors:  

  • Our Over 50 Life Insurance is rated 5 Stars by Defaqto - providing one of the highest quality offerings on the market
  • Choose up to £10,000 of cover depending on your age 
  • Get cover with no health or medical questions needed 
  • We’re right here in the UK. Our team of experts are on hand to help find the right protection for your needs  
  • You’re covered immediately for accidental death, plus death by any cause after 12 months 
  • Get 2X benefit amount paid out (up to £20,000) if death is due to an accident 
  • You’ll receive an M&S Gift Card worth £100 with your policy†, it’s just our way of saying ‘thank you’ 
See how our policy compares

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 which gives you 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
British Seniors life insurance customer service team

How to get Over 50 Life Insurance

Getting affordable Over 50 Life Insurance from British Seniors is simple. You don’t need to provide a medical or blood tests, and acceptance is guaranteed for UK residents aged 50-80. It only takes a few minutes to get a quote 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 9am to 8pm, and Saturday from 9am to 6pm. Or, if you would prefer, we can call you. 

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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, outstanding debts or 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. It can help give you peace of mind that something is there for your loved ones when the time comes.

  • 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. You can use this money to help pay towards funeral costs, outstanding debts or any other expenses.

    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

How do I buy Over 50 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 50 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
  • If you stop your monthly payments, you will get nothing back
View full policy terms & conditions

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.

*

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