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Top 5 over 50's Life Insurance

  • Cover from £23.55/month*
  • No obligation / No upfront fees
  • Immediate accidental death cover
  • We do not share your data to irrelevant third parties

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A Life Insurance policy can ensure your loved ones' financial security, it is the ultimate gift you can give.
Don’t leave the future of your family to chance.

How does Over 50 Life Insurance work?

Pay a set premium

Over 50s life insurance works by paying set premium every month, and when you pass away your beneficiaries receive a pay out to help in a difficult time.

Lifetime cover

Your cover will continue for the rest of your life. Some providers stop taking payments when you reach a certain age, but your cover remains in place for a lifetime.

Fixed cash lump sum

When you pass away, your loved ones receive a fixed cash lump sum. If you’ve only had your policy for a couple of years, some providers will return your premiums instead.

5 tips for finding the best over 50s life insurance for your needs

Understand the features and benefits

One common limit for life insurance policies for people over 50 is the length of the policy. While you can get up to 30 years when you get a policy at a younger age, life insurance for seniors may come with more restrictive terms.

Be aware of the terms and conditions

Make sure that you understand what's being offered to you. This can help you avoid overpaying for a policy that doesn't offer enough protection. Ask the provider about any details on the policy that aren't clear.

Shop around

Compare quotes and features from a range of providers. This can help you find more manageable premium costs. If you have fewer financial commitments as the years go by, you might also consider a reduced cover level.

Find premium savings

When applying for cover, consider joint coverage with your partner, as you may be eligible for a discount on your premiums. Check out the latest life cover deals and discounts.

Consider a policy through an advisor (also known as "retail")

Advisor policies can offer tailored cover – which can include more pre-existing conditions – for those over 50. You'll need to show information about your medical history during the application.

“53% of over 55s don’t have money set aside for their funerals”

British Seniors Funeral Cost Report - 2020

No matter where you are in the UK, we can help!

We work with a highly experienced partner who is able to look at individual circumstance.

Over 50 Life Insurance FAQs

Over 50s life insurance - typically taken out between the ages of 50 and 80 - is paid out as a lump sum and can be used to help with financial commitments when you pass away, such as funeral costs, outstanding bills or even as a gift to loved ones.

Over 50s life insurance could be important to help make sure your loved ones are taken care of. A lump sum is paid after you die which can be used towards funeral costs, outstanding debts or even leaving a gift for your loved ones.

The cost of over 50s life insurance depends on things such as your age, smoker status and how much cover you want. Think about if you have a mortgage and other outstanding credit or debts to your name.

Find out how over 50s life insurance can help to ensure that your loved ones are taken care of financially, by simply filling in the form to receive a call for your no obligation quote, and to get any questions you may have answered by our friendly experts.

Pricing

Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 25th March 2022.

50 Year Old

non-smoker in good health

  • £23.55 per month £150,000 level term Life Cover for 30 Years
  • £25.95 per month £175,000 level term Life Cover for 30 Years
  • £29.37 per month £200,000 level term Life Cover for 30 Years
  • £32.79 per month £225,000 level term Life Cover for 30 Years
  • £36.20 per month £250,000 level term Life Cover for 30 Years

60 Year Old

non-smoker in good health

  • £43.40 per month £150,000 level term Life Cover for 30 Years
  • £48.22 per month £175,000 level term Life Cover for 30 Years
  • £54.82 per month £200,000 level term Life Cover for 30 Years
  • £61.42 per month £225,000 level term Life Cover for 30 Years
  • £68.02 per month £250,000 level term Life Cover for 30 Years

70 Year Old

non-smoker in good health

  • £120.56 per month £150,000 level term Life Cover for 30 Years
  • £137.98 per month £175,000 level term Life Cover for 30 Years
  • £159.67 per month £200,000 level term Life Cover for 30 Years
  • £181.36 per month £225,000 level term Life Cover for 30 Years
  • £203.05 per month £250,000 level term Life Cover for 30 Years

Other Premiums

Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 25th March 2022.

Life Insurance

non-smoker in good health

  • £4.67 per month £150,000 level term Life Cover, 20 Years term

Critical Illness

non-smoker in good health

  • £4.32 per month £47,000 level term Life Cover, 25 Years term

Mortgage Protection

non-smoker in good health

  • £6.12 per month £265,000 of mortgage cover, 25 Years term

Whole of Life

non-smoker in good health

  • £4.32 per month £6,652 of whole life cover for 25 Years term

Couples Life Cover

non-smoker in good health

  • £4.32 per month £113,000 level term Life Cover, 20 Years term

Over 50's

non-smoker in good health

  • £23.55 per month £150,000 level term Life Cover, 30 Years term

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