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🧓 Over 50s Life Insurance

Over 50s Life Insurance Guaranteed Acceptance

5.5 million people over 50 in the UK have no life insurance. With the average funeral costing £4,295, now is the time to make sure your loved ones are protected, no matter your health.

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What Is Over 50s Life Insurance?

Over 50s life insurance is a type of whole of life policy designed for people aged between 50 and 85. Unlike standard life insurance, it guarantees acceptance, there are no medical questions to answer and no health checks required. Everyone who applies within the age range is accepted.

The policy pays out a guaranteed, tax-free lump sum when you die. This money can be used by your beneficiaries for anything they need, funeral costs, outstanding debts, or simply as a financial gift to your loved ones.

There are several important features to understand:

  • Guaranteed acceptance, no medical exams, no health questions. You cannot be turned down regardless of your medical history.
  • Fixed premiums, what you pay at the start is what you pay for life. Your premiums will never increase.
  • Whole of life cover, unlike term insurance, the policy never expires. As long as you keep paying, you are covered for life.
  • Waiting period, most plans have a 12 to 24 month waiting period. If you die from natural causes during this time, your premiums are returned rather than the full payout. Accidental death is usually covered from day one.

Cover typically ranges from £1,000 to £25,000. The amount you receive depends on your age when you start and how much you choose to pay each month.

Key fact: The average UK funeral now costs £4,295 according to SunLife's Cost of Dying Report. An over 50s policy can ensure your family is not left with this burden. For a deeper look at your options, see our comprehensive guide to life insurance for over 50s.
Policy Comparison

Guaranteed Over 50s vs Standard Term vs Whole of Life

Understanding the differences helps you choose the right type of cover for your circumstances and budget.

FeatureGuaranteedStandardWhole of Life
Medical questionsNone, guaranteed acceptanceYes, full health disclosureYes, health questions
Age range50–85Typically 17–70Typically 17–80
Cover£1,000–£25,000£5,000–£1,000,000+£10,000–£500,000+
PremiumsFixed for lifeFixed for the termMay be reviewable
Waiting12–24 monthsNoneNone
LengthWhole of lifeFixed term onlyWhole of life
Best forThose with health issues orThose in good healthInheritance planning,

If you are in good health, a standard policy may offer significantly more cover for the same premium. Compare both options before deciding.

Important: With guaranteed over 50s plans, you could end up paying more in premiums than the policy pays out if you live for a long time. It is worth comparing how long it would take for premiums to exceed the payout. Read more about whole of life insurance options.
Who Is It For?

Who Benefits from Over 50s Life Insurance?

Over 50s life insurance is ideal for anyone who wants guaranteed cover without the uncertainty of medical underwriting.

⚰️

Covering Funeral Costs

The average UK funeral costs £4,295. An over 50s policy ensures your family does not have to find this money at a difficult time, or dip into their own savings to pay for your send-off.

£5,000–£10,000 cover recommended
🎁

Leaving an Inheritance

Want to leave something behind for your children or grandchildren? An over 50s policy provides a guaranteed lump sum that goes directly to your chosen beneficiaries when you pass away.

Write in trust for faster payout
🏠

Paying Off a Remaining Mortgage

If you still have a mortgage or outstanding debts, an over 50s plan can help clear them so your partner or family is not left with repayments they cannot afford.

Check cover matches your debt
🏥

Covering Care Home Fees

Care home costs in the UK average £44,000 per year. While an over 50s policy will not cover long-term care, it can help your family manage immediate costs and protect other assets.

Consider alongside other planning
🩺

Those with Health Conditions

If you have diabetes, heart disease, cancer history, or any other pre-existing condition, standard life insurance may be difficult or expensive to get. Guaranteed over 50s plans accept everyone without question.

Guaranteed acceptance regardless
🚫

Those Declined Elsewhere

Been turned down for standard life insurance? An over 50s plan cannot decline you. There are no medical questions, so your previous rejections and health history are completely irrelevant.

Cannot be refused cover

Not sure which plan suits you best? We can help.

Get matched with an FCA-regulated adviser who will compare every UK provider to find the right over 50s life insurance for your situation.

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Costs Explained

How Much Does Over 50s Life Insurance Cost?

Premiums depend on your age at the start and the level of cover you choose. The younger you are, the more you get for your money. Here are typical monthly costs.

£8–£15/mo
Age 50–59
For £5,000–£10,000 of guaranteed cover. Premiums are fixed from the start and will never increase, no matter how your health changes.
£15–£30/mo
Age 60–70
For £5,000–£10,000 of guaranteed cover. Starting later means higher premiums, but acceptance is still guaranteed with no medical checks.
Worth knowing: Because there are no medical questions, the insurer takes on more risk, which is why cover amounts are lower than standard policies. If you are in reasonable health, it is always worth comparing a standard whole of life or term policy alongside an over 50s plan. See our full guide to life insurance costs.

Be aware that if you live for a long time, you may pay more in premiums than your policy pays out. For example, £15 per month over 25 years totals £4,500, which could exceed a £4,000 payout. Comparing providers ensures you get the best value for your circumstances.

Simple Process

How It Works

1

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Quick questions about your life and health. Done in 60 seconds.

2

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3

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Real Reviews

What Our Customers Say

Jean W.
Jean W.
Yorkshire • Over 50s Life Insurance
★★★★★
“No fuss, no medical, sorted”

I was worried I would not be accepted because of my type 2 diabetes. There were no health questions at all. I am now paying £12 a month for £7,500 of cover. My daughter knows the funeral is taken care of.

Peter B.
Peter B.
Nottinghamshire • Over 50s Life Insurance
★★★★★
“Found a better deal than the TV adverts”

I nearly signed up with the company I saw on television, but decided to compare first. Lifecoverfor.com found me the same level of cover for nearly £4 less per month. Over the years, that really adds up.

Sandra M.
Sandra M.
Cardiff • Over 50s Life Insurance
★★★★★
“Peace of mind for my grandchildren”

I wanted to leave something for my three grandchildren. The adviser explained everything clearly and helped me set the policy up in trust so the money goes straight to them without any delays.

Brian C.
Brian C.
Bristol • Over 50s Life Insurance
★★★★★
“Accepted despite my COPD”

I have COPD and was turned down twice by other insurers. With the guaranteed over 50s plan, there were no health questions. I am paying £15 a month for £10,000 of cover and my wife knows everything is taken care of.

Margaret L.
Margaret L.
Edinburgh • Over 50s Life Insurance
★★★★★
“Funeral costs completely covered”

I didn't want my children to worry about paying for my funeral. The adviser helped me work out that £8,000 would cover everything, and I am now paying just £10 a month. It was all done over the phone in 15 minutes.

Colin R.
Colin R.
Manchester • Over 50s Life Insurance
★★★★★
“Switched and saved straight away”

I had been paying into a plan from a TV advert for two years. The adviser here found me £2,000 more cover for £3 less a month. Switching was straightforward and I wish I had compared from the start.

Learn More

Related Guides

Explore our guides for more detailed information on life insurance options for the over 50s.

Life Insurance Over 50

Complete UK guide for over 50s

Whole of Life Insurance

Lifelong cover explained

Pre-Existing Conditions

Your options explained

How Much Does It Cost?

UK pricing breakdown

Life Insurance in Trust

Protect your payout from tax

How Much Cover Do I Need?

Calculate the right amount
Got Questions?

Over 50s Life Insurance: Frequently Asked Questions

Over 50s life insurance is a type of whole of life policy designed specifically for people aged 50 to 85. It guarantees acceptance with no medical questions asked, pays a fixed lump sum when you die, and your premiums remain the same for life. Cover typically ranges from £1,000 to £25,000.
No. Guaranteed over 50s plans require no medical examination and ask no health questions whatsoever. This is one of the key advantages of this type of policy, you are accepted regardless of your health history or pre-existing conditions.
Most guaranteed over 50s plans have a waiting period of 12 to 24 months, depending on the provider. If you die from natural causes during this period, your beneficiaries receive a refund of premiums paid rather than the full payout. Death by accident is usually covered from day one.
Premiums depend on your age at the start and the level of cover you choose. A 55-year-old might pay around £8 to £15 per month for £5,000 to £10,000 of cover. Once set, your premiums are guaranteed never to increase for the life of the policy. See our guide to life insurance costs in the UK.
Yes. Guaranteed over 50s life insurance accepts everyone aged 50 to 85, regardless of pre-existing health conditions. There are no medical questions, so conditions such as diabetes, heart disease, or cancer will not affect your acceptance or your premiums. Read our guide to cover with pre-existing conditions.
Most over 50s plans offer cover between £1,000 and £25,000. Some providers allow higher amounts, but the average policyholder selects between £5,000 and £10,000, enough to cover funeral costs and leave a small financial gift for their family.
It depends on your circumstances. If you are in good health, a standard term or whole of life policy may offer better value and higher cover. However, if you have health conditions that make standard cover difficult to obtain, or if you want guaranteed acceptance with no medical questions, an over 50s plan provides certainty and peace of mind. Comparing both options is always recommended.
If you cancel or stop paying premiums, your cover will end and you will not receive a refund of the premiums you have already paid. Some providers offer a paid-up option after a certain number of years, which gives you a reduced level of cover without further payments. Always check the terms before cancelling.
No. Over 50s life insurance policies have no cash-in value. They are protection-only policies, meaning they only pay out when you die. You cannot surrender the policy for a lump sum during your lifetime.
Over 50s life insurance pays a cash lump sum to your beneficiaries when you die, and they decide how to use it. A funeral plan pre-pays for a specific funeral arrangement with a chosen funeral director. Life insurance offers more flexibility, while funeral plans lock in today’s funeral prices and handle the arrangements for you.
Yes, writing your policy in trust is strongly recommended. It ensures the payout goes directly to your chosen beneficiaries without going through probate, which can take months. It also means the payout does not form part of your estate for inheritance tax purposes. Most providers set this up for free. See our guide to writing life insurance in trust.
No. Once your premiums are set at the start of the policy, they are guaranteed to remain the same for life. This is a key feature of over 50s life insurance, your monthly cost will never increase, regardless of changes to your health or age.
Most providers accept applications from people aged 50 to 85. The younger you are when you start, the lower your premiums will be and the more cover you can get for the same monthly cost. Some providers have a maximum entry age of 80.
After the initial waiting period (usually 12 to 24 months), your claim cannot be declined for any reason. There are no medical questions to answer incorrectly and no exclusions for cause of death once the waiting period has passed. This makes over 50s life insurance one of the most secure forms of cover available.
Leading over 50s life insurance providers in the UK include SunLife, British Seniors, Legal & General, AIG, and Royal London. Each offers slightly different levels of cover, waiting periods, and additional benefits. Comparing multiple providers ensures you find the best combination of cover and value for your needs.

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