What is Seniors Term Life Insurance?

With Seniors Term Life Insurance from British Seniors, it’s never too late to put protection in place for your family. As long as you are a UK resident, you can apply to take out cover later in life from age 45 up to 80 and leave behind a nest egg up to £100,000 to help your loved ones with funeral expenses, outstanding bills, or simply leave it as a gift.    

Cover starts from just £2.74 a month1 and you'll also have access to free healthcare services, including a remote UK GP and mental health support, to help you and your family's health and wellbeing at no extra cost. Once it’s in place, you’ll have protection for 20 years or until the policy anniversary following your 89th birthday (whichever comes first). 

What makes Seniors Term Life Insurance different?

Seniors Term Life Insurance is a type of protection that is in place for a set number of years. You must be aged 45 to 80 and a UK resident to apply and you will be asked just a few health and lifestyle questions. Your answers to these questions will help determine if this cover suits you. Possibly the biggest difference between Seniors Term Life Insurance and Over 50 Life Insurance is how much cover you can take out. Over 50 Life Insurance provides cover up to £10,000. While Seniors Term Life Insurance provides up to £100,000 of cover. Here’s a look at some of the other ways that Seniors Term Life Insurance and Over 50s Life Insurance differ:  

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Seniors Term Life Insurance
  • Get up to £100,000 of cover depending on your age 
  • Just a few health and lifestyle questions to determine your eligibility  
  • UK residents aged between 45-80 can apply   
  • FREE Healthcare Services available
  • Terminal illness cover - full benefit amount paid in advance if you’re diagnosed with a terminal illness with less than 12 months to live
  • Immediate cover except for self-inflicted injury within first 12 months
Over 50 Life Insurance
  • 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 Option

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FREE Healthcare Services

With our Seniors Term Life Insurance, you’ll have access to a range of free Healthcare Services that can help you to keep your health in good working order. Your partner and your children (up to the age of 21) will also be able to avail of these services.   

It includes round-the-clock unlimited access to UK based remote GPs, who can help you with medical issues, your prescriptions, or referrals. As well as that, if you need a second opinion on a medical condition, you will have access to Best Doctors, world-leading experts that will assess your diagnosis and provide recommendations for treatment. 

You and your loved ones will also have access to mental health support and counselling with trained specialists. A nutritionist will be on hand to help with diets, weight loss, allergies and more. And you will have access to a personalised fitness programme to help you achieve your goals. T&Cs apply.

Key benefits of Seniors Term Life Insurance

Easy to arrange Easy to arrange

We make it easy to arrange life insurance in just one phone call.

Good value Good value

A guaranteed cash payout, low monthly premiums and a range of additional benefits.

High quality High quality

A product designed and delivered to the highest possible standard, for you.

How it works...

Seniors Term Life Insurance covers you for a set period. If you pass away during this time, your loved ones will receive a lump sum to help them when you’re gone. This sort of cover could be right for you if you only need protection for a set amount of time, or if you want to leave a larger benefit amount behind. To take out this protection, you must be a UK resident aged between 45-80, and we will just ask you a few health and lifestyle questions in order to determine your eligibility.

You can choose between a level or increasing policy. When you choose a level policy, the benefit amount you leave behind for your family will be fixed. Your monthly premiums will also remain fixed for your policy duration. If you decide to opt for an increasing policy, your benefit amount will increase each year in line with the Retail Price Index, up to a maximum of 10%. Your monthly premium increases each year by 1.4X the rate of your benefit amount increase rate until your term is complete. These are compound increases. An increasing policy can help you to protect your cover from inflation. 

How our claims process works

1. Get in touch

Simply call us or email service@britishseniors.co.uk to get the claims process started. Our experienced claims team are specially trained to handle all calls with care and compassion.  

2. Review

We will then send out a claim form to be completed, signed and returned to us. The claim will be reviewed as quickly as possible. The person making the claim will be contacted if any further information is needed.   

3. Payout

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.   

Why get Seniors Term Life Insurance with British Seniors?

  • Our Seniors Term Life Insurance is rated 5-Stars by Defaqto - providing one of the highest quality offerings on the market.
  • Get up to £100,000 of cover, depending on your age.
  • Easy to arrange – Get Seniors Term Life Insurance in just one phone call.
  • No medical or blood tests – We ask just a few health and lifestyle questions.  
  • Good value – Cover from as little as £2.74 per month.1
  • £100 M&S Gift Card* – FREE to everyone who takes out a policy.
  • FREE Will Kit worth £100 – Sent with every policy purchased.
  • Our call centre is based right here in the UK.
  • FREE Healthcare Services – Get unlimited, 24/7 access to free healthcare services.

Why our customers love British Seniors

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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 here.


For a 45-year-old non-smoker with £10,000 of cover over a 20-year term.