Guaranteed Acceptance Insurance
for Financial Peace of Mind
Get an over-50s life insurance quote tailored for your needs. Discover easy, affordable options to leave a financial legacy or cover final expenses with guaranteed acceptance.
Key Benefits:
- Guaranteed Acceptance: No medical exams or lengthy approval processes.
- Fixed Monthly Premiums: Payments that stay the same throughout the policy.
- Quick & Reliable Payouts: 100% of claims paid, usually within 3-5 working days.
- Customisable Policies: Choose your cover amount or premium to fit your budget.
What Is Over 50 Life Insurance?
Over 50 life insurance, also known as “whole of life cover,” is a type of policy specifically designed for individuals over 50. Unlike term life insurance, it remains valid for your entire life as long as you keep up with your premium payments. Upon your passing, it pays out a lump sum to your loved ones.
Why Do People Choose Over 50 Life Insurance?
This type of insurance is commonly used to provide financial support for family members or to cover expenses such as:
- Funeral Costs – Ease the financial burden during a difficult time.
- Outstanding Bills – Help settle any unpaid debts or household expenses.
- A Gift for Loved Ones – Leave a thoughtful legacy for your family or grandchildren.
If you’d prefer coverage for a specific term (e.g., to pay off a mortgage) or require a higher cover amount for lifestyle protection, consider exploring alternative policies like term life insurance.
Not sure which type of cover is right for you? Explore the differences with our in-depth guide comparing term life insurance and over 50 life insurance.
How Over 50 Life Insurance Works
Choose Your Premiums or Cover Amount
Decide the level of protection you need. Choose a specific cover amount (the lump sum payout) or pick a monthly premium that suits your budget. Monthly premiums range from £5 up to £100.
Fixed Payments, Lifetime Cover
Rest easy knowing your payments will never increase. Premiums stop after either 30 years or when you reach 90, whichever comes first. However, your cover remains active for life.
Quick Lump-Sum Payout
We’re proud to say 100% of claims are paid out, with payouts typically processed within just 3-5 working days. Policies pay the full amount for deaths due to any reason after the first 12 months, or immediately in case of accidental death within the first year.
Note: Policies do not have a cash-in value at any time. Claims within the first 12 months (non-accidental death) are refunded for the premiums paid to date.
Why Choose Us?
We Connect You to Trusted Experts
We’re not FCA-approved brokers but work as intermediaries, partnering only with UK FCA-approved life insurance providers.
Pressure-Free Experience
Our mission is to introduce you to options without any pushy sales tactics.
Tailored Recommendations
Based on your criteria, we’ll match you with providers offering policies that meet your needs and budget.
Frequently Asked Questions
What types of life insurance are available for people over 50?
For those aged over 50, common options include whole of life cover, term life insurance, guaranteed life insurance, and over 50s life insurance with simplified acceptance.
How do I get life insurance quotes if I’m over 50?
You can compare quotes online or speak to an adviser who can gather multiple insurer offers based on your age, health, lifestyle, and coverage amount.
Do health conditions affect life insurance quotes?
Yes — health conditions, smoking status, BMI, and medical history can influence both your eligibility and premium rates.
Can I get life insurance without a medical?
Many over-50s life insurance plans offer simplified or guaranteed acceptance without medical exams, though questions about health and lifestyle may still apply.
How much cover should I consider at age 50+?
The right amount depends on your financial goals — such as paying off debt, supporting dependants, covering funeral costs, or leaving an inheritance.
Is it better to compare quotes from different insurers?
Yes — comparing quotes helps ensure you get the best price and terms for your specific situation, especially when health factors are involved.
Can my premiums increase over time?
Some plans have fixed premiums for life, while others can increase over time depending on the type of policy you choose.
Can I Cancel the Policy?
Yes, but keep in mind these policies don’t have any cash-in value, so you won’t receive payouts or refunds if you cancel after the 30-day cooling-off period.
How Can I Get Started?
Simply click below to request your free, no-obligation quote. It takes just two minutes!