Peace of mind for you and your family

You want the best for your loved ones, and to make things as easy as possible for them when you die. You wouldn't want to leave your loved ones with added financial worry at a difficult and emotional time.

By taking out our Over 50s Life Insurance you could help your family with your funeral costs, final expenses such as outstanding bills, loans or credit cards, or even leave them a gift. Then you can relax and enjoy life, knowing you're in control and you've done the right thing by providing for your loved ones.

No health questions and easy sign-up

British Seniors offers a life insurance policy designed with you in mind. It's quick and easy to set up. There are no medical or health questions and you're guaranteed to be accepted, as long as you're a UK resident aged between 50 and 80.

No one's needs are the same, so we offer two products.

As well as our Over 50s Life Insurance policy, we also offer Over 50s Life Insurance with the Lifetime Payback Guarantee®. If you choose this policy, you'll get all the same benefits as our Over 50s policy plus your loved ones will either get back your cover amount or the total premiums you have paid - whichever is more. 

We are the only life insurance provider in the UK to offer the choice of the Lifetime Payback Guarantee®

*For a 50-year-old UK resident with £2,000 worth of cover.

Over 50s Life Insurance Benefits:

  • Cover from £2,000 to £20,000 - depending on your age,
  • Guaranteed acceptance - no medical or health questions and if you are a UK resident aged 50-80, you are guaranteed to be accepted,
  • Immediate cover - for accidental death and cover for death by any cause after just 24 months,
  • 3 times your benefit amount up to £60,000 - 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 cover continues for life,
  • Flexible policy - apply to make changes for free.

Things to consider:

  • There is no cash-in value at any time,
  • Ensure you choose enough benefit amount, as inflation may reduce its buying power over time,
  • Depending on how long you live, you may pay in more than you get back. 

You can choose a benefit amount that suits your needs and budget, from £2,000 up to £20,000.

Depending on your age, the maximum benefit amount you can select is:

  • Ages 50 to 54 – up to £20,000
  • Ages 55 to 59 – up to £17,000
  • Ages 60 to 64 – up to £13,000
  • Ages 65 to 69 – up to £12,000
  • Ages 70 to 74 – up to £9,000
  • Ages 75 to 80 – up to £6,000

Your premiums will depend on your age at the start date of the policy and will be fixed and guaranteed not to change.

Fixed premiums are great for people who want certainty, knowing that your increasing age will not affect the amount you pay.

Plus you'll get FREE cover from the policy anniversary following your 95th birthday and your cover will continue for life. You'll be covered anywhere in the world and if your health or lifestyle changes, your cover will not be affected.

Guaranteed Acceptance - no medical, no health questions

You can't be turned down for Over 50s Life Insurance as long as you are a UK resident aged 50 to 80, and you can be covered over the phone or online in minutes. 

Immediate cover for accidental death

As soon as your policy is set up, you'll be covered for accidental death. For the first 24 months, a benefit amount will only be paid in the event of accidental death.

You will be covered for death by any cause after just 24 months.

If you die as a result of an accident anytime during your policy, we will pay out 3 times your selected benefit amount. This means if you select a £10,000 benefit amount and you die as the result of an accident, we will pay out £30,000.

Cover for you and your partner 

You can take out a single policy on your own life, or you can choose a joint policy to include your partner. 

Our joint policy allows you to choose different benefit amounts for you and your partner to suit your needs. This means that both benefit amounts could be paid out to your loved ones. 

Cover is free from the policy anniversary on or following each life insured’s 95th birthday

Insurance from a trusted provider

Our cover is provided by Scottish Friendly Assurance Society Limited.

Arrange cover easily over the phone 0800 995 1001 or online in minutes.

You will also get a free will kit worth £1501 with your new policy to help get your affairs in order.

1Source: The Money Advice Service

Over 50s Life Insurance

The features, benefits, exclusions and limitations of the policies can be found in the Key Facts documents below. It is important that you read the Key Facts document carefully to help you decide whether these policies are suitable for you. The Key Facts documents also contain a copy of the British Seniors Over 50s Life Insurance Terms and Conditions.

British Seniors Over 50s Life Insurance Key Facts document

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 these eligibility criteria, we guarantee to accept your application for British Seniors Over 50s Life Insurance.

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 a plan to help take care of your funeral expenses could be one of the most important decisions you make.

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

Once your Over 50s Life Insurance policy is in place you can keep it for life and you’ll be covered anywhere in the world, 24 hours a day. Your health and circumstances may change, but as long as you continue to pay your premiums from a UK bank account, your Over 50s Life Insurance policy can continue for life.

You are covered for Accidental Death as soon as you take out Over 50s Life Insurance from British Seniors. If you die in an accident, you will receive 3 times your selected benefit amount. So, if you choose £10,000 worth of cover and die as the result of an accident, your loved ones will receive £30,000.

Your Over 50s Life Insurance benefit amount will be paid if you die due to any cause after 24 months from the start date of the policy.

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.

During the first 24 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 two years, we will refund any premiums paid towards your policy.

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.

You can select a benefit amount that suits your needs and budget, from £2,000 up to £20,000 (depending on your age). The maximum benefit amount you can secure at the start date is:

  • Ages 50 to 54 – up to £20,000
  • Ages 55 to 59 – up to £17,000
  • Ages 60 to 64 – up to £13,000
  • Ages 65 to 69 – up to £12,000
  • Ages 70 to 74 – up to £9,000
  • Ages 75 to 80 – up to £6,000

In the first 24 months, your benefit amount is only paid in the event of accidental death.

If death is the result of an accident, then 3 times your benefit amount will be paid.

No, we will not contact your doctor when you apply for Over 50s Life Insurance, and there are no intrusive questions about your health and lifestyle.

Accident means an event resulting in bodily injury occurring whilst this policy is in force, where the injury is directly and solely caused by accidental, violent and external means and where the injury is not self-inflicted.

Accidental death means death occurring as a direct result of an accident which took place while the life insured was covered under the policy and where death occurs within 90 days of the accident.

If you suffer an accidental death as explained above, we will pay 3 times your benefit amount.

You (and your partner) can apply for Over 50s Life Insurance as long as you are UK residents aged between 50 and 80.

If you meet our eligibility criteria, you won’t be turned down, and you won’t be asked a single question about your health or lifestyle when you apply for Over 50s Life Insurance.

 

Absolutely. Once your policy is in place, you are covered around the clock, anywhere in the world as long as you continue to make your payments from a UK bank account.

Your monthly premiums will depend on the amount of cover you choose, your age and whether you choose to have a single or joint plan.

No. Over 50s Life Insurance from British Seniors is a Level policy. This is great for people who want certainty, knowing that their increasing age will not affect their monthly premium – it will stay the same each year. 

  • Your premium is guaranteed not to change until the policy anniversary on or following your 95th birthday when cover is free and premiums are no longer payable,
  • Your benefit amount will be fixed.

You must ensure you choose enough benefit amount as inflation may reduce its buying power over time.

You can ask us to make changes to your policy, however, these changes may be subject to the payment of an additional premium based on your age at the time of the request.

On the policy anniversary following your 95th birthday, cover is free and premiums are no longer payable.

If you hold a joint policy, once the eldest person reaches the age of 95 their proportion of the total monthly premiums will no longer be payable from the policy anniversary following their birthday. The person that has not yet reached the age of 95 will continue to pay premiums for just themselves until the policy anniversary following their 95th birthday, when premiums will also be no longer payable.

You have 30 days from the receipt of your Policy documents, during which time you can cancel your Policy by writing to us or giving us a call. You can still cancel your Policy after 30 days, but you will not get anything back.

There are 3 ways for your loved ones to make a claim on your Over 50s Insurance policy in the event of your death:

  • Call us FREE on 0800 542 7618
    Monday - Friday from 9 am to 7 pm
  • Email us at service@britishseniors.co.uk
  • Write to us at British Seniors Insurance Agency, PO Box 4555, Slough, SL1 1JL.

We will send out a claim form to be completed, signed and returned to us.

Note: If the claim is accepted, the insurer will pay the benefit amount to the person who is legally entitled to it and they will refund any premiums paid between the date of death and the date the claim is paid.

You can put your British Seniors Over 50s Life Insurance policy into trust after you take out the policy. If you are thinking about putting your policy into Trust you can get more information here, download a Trust form or you can seek independent legal advice. We are unable to give you any advice or recommendation on the suitability of Trusts.

How to buy British Seniors Over 50s Life Insurance

With British Seniors Over 50s Life Insurance, you are investing in peace of mind by helping to provide your family with financial support. Our fully trained life insurance specialists can arrange your policy over the phone, or you can get a quote and buy online in a matter of minutes.

Call FREE on 0800 995 1001 or get a call back by clicking on the button below.

Our UK based customer service specialists will give you a quick, no obligation quote and if you are happy we will take your application further so you can be covered immediately for accidental death, plus cover for death by any cause after 24 months. All you will need are your direct debit details. Or, you can get a quote and cover straight away online.

Get a Quote    Buy online