Over 50's Life Insurance

Guaranteed acceptance life cover with no medical questions — designed to help with funeral costs and leave a lasting legacy for your family.

Over 50's life insurance provides guaranteed acceptance cover with no medical questions asked. It's a whole-of-life plan, meaning it covers you for the rest of your life as long as you keep up your fixed monthly premiums — there's no end date to worry about and no risk of being turned down.

Many people take out over 50's cover to ensure their funeral costs are taken care of, so their family isn't left with an unexpected financial burden at a difficult time. Others use it to leave a small inheritance or gift for their children and grandchildren, or to help clear any outstanding debts. Whatever your reason, the payout is guaranteed and can be used for any purpose your beneficiaries choose.

Our FCA-regulated advisers can help you compare over 50's plans from leading UK providers to find the right balance of premium and payout. The advice is completely free, and there's never any obligation to proceed.

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What Is Over 50's Life Insurance?

Over 50's life insurance was created to provide accessible life cover for people aged 50 and over, including those with existing medical conditions. As we get older, health issues become more common, and the need for some level of financial protection — whether for funeral expenses, outstanding debts, or leaving a legacy for your children — becomes increasingly important.

Over 50's plans are non-medically underwritten, which means there are no health or lifestyle questions to answer. Acceptance is guaranteed provided you're within the eligible age range. These are typically whole-of-life plans, meaning they cover you for the rest of your life as long as premiums are maintained — there is no end date to worry about.

Who Is Over 50's Cover For?

Over 50's life insurance is designed for people who want straightforward, guaranteed cover later in life. It's especially relevant if you:

Want to ensure your funeral costs are covered, so your family doesn't have to bear the expense
Have existing health conditions that make it difficult to get traditional life insurance
Want to leave a financial gift or inheritance for your children or grandchildren
Have small outstanding debts you'd like cleared on your behalf

Key Benefits

Guaranteed acceptance — no medical questions and no risk of being turned down
Whole-of-life cover — the plan lasts for the rest of your life, with no end date
Fixed monthly premiums — your payments never increase once the plan is set up
Covers funeral costs — helps ensure your family isn't left with an unexpected financial burden
Leave a legacy — a guaranteed payout to help your loved ones financially after you're gone

Things to Consider

Is there a waiting period before the cover starts?

Most over 50's plans include a waiting period (typically 12 to 24 months) during which the full payout is not available if you die from a non-accidental cause. If death occurs within this period from natural causes, the insurer usually refunds the premiums paid rather than paying the full sum assured. After the waiting period, the full cover is in place. Our advisers can explain the specific terms for each provider.

Could I end up paying more in premiums than the payout?

Because over 50's plans are whole-of-life policies with fixed premiums, if you live for a long time after taking out the plan, the total premiums paid may exceed the sum assured. This is an important consideration. However, the plan still guarantees a lump sum for your family at a time when it's needed most, providing certainty and peace of mind.

What age do I need to be to apply?

Over 50's plans are typically available to people aged between 50 and 80, depending on the provider. There's no upper age limit once you have the policy in place — it covers you for life as long as you continue paying your premiums.

Can I use the payout for anything, not just funeral costs?

Yes. While many people take out over 50's cover to help with funeral expenses, the payout can be used for anything your beneficiaries choose — paying off debts, helping grandchildren, or simply providing a financial cushion. There are no restrictions on how the money is spent.