Affordable cover from £10 a month
Guaranteed acceptance for UK residents aged 50-80
Immediate accidental death coverage included and optional funeral funding
Best 2026 Rates For You
What is over 50s life insurance?
Over 50s life insurance plan is a type of life insurance you can take out between the ages of 50 and 80 to financially protect your loved ones if you die.
As long as you pay your premiums, this insurance pays out a cash lump sum when you die. Your beneficiaries can then use this to cover funeral costs, outstanding bills or spend as they please.
How does over 50 life insurance work?
Over 50 life insurance works much like any other insurance premium, in that you pay monthly premiums. Then, when you die, your family should receive a guaranteed lump-sum pay-out.
Do I need an over 50s life insurance plan?
Your personal circumstances will determine whether over 50 life insurance is right for you.
- It’s wise to research the different types of life insurance to make sure over 50s cover is the right option, especially if you’re a healthy person in your early 50s.
- It might help to speak to a financial advisor to understand the types of policy available and how they could meet your needs.
How much cover can you get?
Life cover for over 50s generally ranges from £10,000 to £25,000. But exactly how much cover you’ll get depends on your age, the insurance provider and how much you’re willing to pay in premiums, for example.
The older you are when you take out a policy, the lower your cover amount will be. So, if you start a new policy in your 60s or 70s, you’ll inevitably pay more for a lower pay-out.
How do I get a quote for over 50 life insurance?
It only takes a few minutes to get a quote, because you only need to tell us:
- Your personal details (name, address and email address)
- Your date of birth
- Whether you smoke
- How much you want to pay each month or how much cover you want
And that’s it. We don’t take any other details unless you decide to go ahead. Then, as long as you’re a permanent UK resident and aged 50-80, we can cover you for the rest of your life.
No medical, no fuss. If you’re aged 50-80 and a UK resident, and apply for cover within our premium limits, you’re guaranteed to get cover.
Safeguard Their Future: Protect Your Loved Ones, Even After You’re Gone
Imagine giving your loved ones a hug that lasts forever. Over 50s Life insurance plan isn’t just a financial plan, it’s a powerful way to show your love beyond your lifetime. Picture them grieving without the weight of funeral costs or outstanding debts. This guaranteed payout can be a comforting embrace, easing their financial burden during a difficult time. But the love doesn’t stop there. It can also be a thoughtful gift, helping them achieve a cherished dream or simply ease financial stress. Over 50s Life Insurance offers peace of mind for you and a lasting hug of love for your loved ones – even when you’re gone.
Simple 3-Step Process
We compare a range of providers to help you find the best release options from experienced FCA regulated advisor.
01
Tell Us About You and your needs
02
Review your options & choose the best plan for you
03
All done! You’ll receive your personalised Quote
Our partners have been helping release cash for over 8 years
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Made the experience super easy and clear from start to end.
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Why Choose Us?
Our mission is to help over 55’s in the UK to release equity from their pensions and give them the financial security they need. Based on your criteria we will match you with fully accredited FCA approved advisors and reliable businesses that will provide you with the best quote for the equity release plan you need. We also aim to not make it stress and pressure free experience.
Stress/Pressure Free Experience
Get a hassle-free quote without the pressure of over-the-top sales tactics
Honest Fixed Quote
We’ll give you a honest fixed quote depending on what you need without any added costs
Compare The Market
Speak to advisors with access to multiple UK Providers
Frequently Asked Question
What makes a good over-50s life insurance plan?
A strong plan typically combines affordable premiums, flexible coverage levels, simplified acceptance, and benefits suited to your needs (e.g., funeral cost support, legacy planning).
What types of plans are considered the best for over 50s?
Popular choices include guaranteed acceptance whole of life, level cover plans with fixed premiums, and plans with payout flexibility.
Do I need a medical for over 50s life insurance?
No, you don’t. You’re guaranteed to be accepted regardless of your health, and we won’t even ask any medical questions.
How do I get a higher cover amount?
Simply by paying more in every month. The higher your monthly premium is, the higher your cover amount will be.
How can I find the best life insurance for my needs?
Compare multiple policies, assess premiums and benefits, and consider speaking to an adviser who specialises in over-50 life insurance.
Will the payout be tax-free?
Life insurance payouts are usually tax-free on death, but it’s wise to check specific policy details and consider how the payout interacts with your estate.
Should I choose a plan with fixed premiums?
Fixed premiums offer certainty, as they stay the same throughout the policy term — a feature many over-50s prefer for budgeting.
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