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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.  

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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 service@britishseniors.co.uk 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.  

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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

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
Trust Pilot Feefo 5-star platinum trusted service award for British Seniors

Free Info Pack

Find out more about British Seniors and all you need to know about our Over 50 Life Insurance with our easy-to-understand information pack. It’s completely free and it includes important things to consider before you purchase.

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. 

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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.

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.