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Affordable cover from
£10 per month

5* Defaqto rating
The highest rating you can get

No medical exam
Guaranteed acceptance for UK residents aged 50-80

Terminal Illness and
Funeral Funding built in

Plan for the future and look after your family

It's never too early to start planning for later life. Over 50s Life Cover gives you and your family peace of mind.

Over 50s Life Cover generations

About our Over 50s Life Cover

Over 50s life cover is a life insurance policy available to those aged from 50 to 80 years old. It can be used to help with financial commitments that can arise at the time of your death, such as funeral costs, outstanding debts or as a gift to your loved ones.

Our over 50s life insurance policy is designed to give you and your loved ones peace of mind at a very difficult time, by helping pay towards the cost of your funeral.

Read our Over 50s Life Cover FAQs

Over 50s Life Cover comparison

Provider Pay out Full life cover payable after Premiums payable until Terminal illness benefit included as standard Flexible Premium Defaqto Rating
OneFamily £5,217 24 months Age 90 Yes Yes 5 stars
Sunlife £4,671 12 months Death* No No 2 stars
Aviva £4,721 12 months Age 90 or 30 years (whichever is sooner) No No 5 stars
British Seniors £4,249 12 months Age 95 No No 4 stars
Legal & General £4,766 12 months Age 90 No Yes 5 stars

The figures in the above Over 50s Life Cover comparison are for a 60 year-old non-smoker, whose premium is £20 a month. This table is designed to compare levels of cover that may be available. It is not a comprehensive comparison of all product benefits.

*Unless capped option is selected

All information is correct as at 26/05/2023.

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Fund funeral costs to save expensive bills for your family

Provided by Golden Charter, Funeral Funding is included as standard in our policies.

This allows the proceeds of your policy to be paid directly to the funeral provider, who will add an additional £300 contribution towards the cost of your funeral. If you choose a direct to cremation funeral, the £300 contribution will not apply.*

Funeral Funding is designed to give your loved ones less to worry about at a difficult time, but it's worth being aware that it's not the same as a Funeral Plan, so may not cover the full cost of your funeral.

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Read our Funeral Funding flyer for more information.

*A direct to cremation funeral means any cremation where there is a direct disposal service only and therefore no funeral service, funeral procession (or other services such as family viewing, limousine(s), embalming or delivery of ashes) and where 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.

Over 50s Life Cover flowers

Tips, tools and resources for people over 50

Plan ahead and get retirement ready.

Over 50s Life Cover FAQs

Got a question about our Over 50s Life Cover? Browse our Frequently Asked Questions to get the answers you need.

Find out more

What is Funeral Funding?

Funeral Funding is built into our Over 50s Policy, to help contribute towards the cost of your funeral.

Learn about Funeral Funding

Before you take out a policy

  • You won't have to pay for your cover once you reach age 90 but your cover will continue for life. If you stop paying premiums before age 90, the cover will cease and you won't be entitled to claim any money back.
  • The cash lump sum on death normally counts as part of your estate and so may be subject to inheritance tax.
  • It is also important to note that you could pay out more money in premiums than the policy pays out. Our Over 50s Life Cover is not a savings plan and has no cash-in value. Due to inflation, any amount paid out may not buy as much in the future as it would now.
  • Please read our Policy Summary, Terms & Conditions and Our Insurance Services Leaflet for more details.

Give your family peace of mind and get a quote today

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