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.

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.

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

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.

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. 

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.

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

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 twice your benefit amount.

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.

Policies start from just £4.32 per month for a 50-year-old non-smoker with a £1,000 benefit amount. However, your monthly premiums will depend on the amount of cover you choose and smoker status, your age and whether you choose to have a single or joint plan.

The amount you pay will never increase, unless you choose the Increasing Benefit Option to help protect your policy from the effects of inflation.

Over 50s Life Insurance 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. We do however also offer an Increasing Benefit Option for those who wish for their benefit to increase year on year to help keep up with inflation.

You can apply 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.

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. If you cancel during this time, you will receive a refund of any premiums paid. You can still cancel your Policy after 30 days, but you will not get anything back as the policy has no cash value.

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.

There are three 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. British Seniors have put together a Flexible Trust Form and Guide to Trusts which can be used to help put your policy into trust. If you are thinking about putting your policy into Trust you can seek independent legal advice. We are unable to give you any advice or recommendation on the suitability of Trusts. We have some more information on Trusts on our Contact Us page.

We’re very flexible and it’s free to make changes to your policy. If you're feeling the pinch, you can apply to reduce your benefit amount for free and apply to increase it again when you're ready. You can only apply to increase your benefit amount up to the age of 80, and you can only apply to increase it to the maximum sum insured for an 80-year-old which is £6,000.