Three women celebrating a birthday with a birthday cake

How can Over 50 Life Insurance help?

The death of a loved one can be an emotional and stressful time. So, when you die, the last thing that you want your loved ones to be worrying about is the cost of a funeral. Over 50 Life Insurance can be a simple way for you to help provide financial support to your family when it matters most. 

If you’re a UK resident aged 50-80, you’re guaranteed acceptance. There are no medicals needed and you won’t have to provide us with a medical history. Depending on your age, you could get a cash lump sum payout up to £10,000. This could be used by your loved ones to help pay for your funeral or debts and other outstanding bills, or it could even be a gift.  

Key Benefits

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 covered with Over 50 Life Insurance in one simple phone call.

Fast cash payouts from our award-winning customer service team

We understand that you want to make sure that your loved ones can get access to a cash lump sum as quickly as possible. At British Seniors you can rest assured that our claims team will assist your family when the time comes with the highest quality care and attention. Our UK based call centre has won the Feefo 2022 Platinum Trusted Service award, so you know they’re in safe hands.

When it’s time to make a claim, your loved ones simply call us or email to get the claims process started. Our experienced team will then send out a claim form to be completed, signed and returned to us. 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.  

Get a Quote

Why choose British Seniors?

  • Guaranteed cash payout
  • Immediate cover for accidental death, plus death by any cause after 12 months. 
  • Accidental death cover – get 2X your benefit amount paid out up to £20,000 if death is due to an accident.
  • Affordable cover starting from £4.32 per month.1  
  • £100 M&S Gift Card* FREE to everyone who takes out a policy.  
  • Free Will Kit worth £100 with every policy purchased.  
  • Free £300 Funeral Benefit Option.2

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 features of our Over 50 Life Insurance. 

Get a Quote

What’s covered

  • Get up to £10,000 of cover depending on your age
  • Immediate cover for accidental death plus death by any cause after 12 months
  • Guaranteed acceptance for UK residents aged 50-80  
  • From the policy anniversary following your 95th birthday, your cover is FREE   
  • Accidental death cover – get 2X your benefit amount paid out up to £20,000 if death is due to an accident   
  • Free £300 Funeral Benefit Option2  

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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How Over 50 Life Insurance works

Over 50 Life Insurance 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. 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.     

As long as you continue to pay your monthly premiums, you’re covered for life. And from the policy anniversary following your 95th birthday, your cover is free. When you pass away, your legal beneficiary will receive a cash lump sum payment. Applying online for a quote is straightforward or if you’d rather speak to a real person you can call us – we’re based right here in the UK.


£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.


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


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.