What is over 50 life insurance?
It’s a type of life insurance for those over the age of 50. Sometimes referred to as whole of life cover, it lasts for as long as you live rather than a set period of time. It pays out a lump sum when you die, letting you leave a small gift to your loved ones. They can use the money for anything they like, including towards funeral costs.
How our over 50 life insurance works
Choose how much you want to pay 
Pick a cover amount (what we'll pay out) or how much you want to pay in premiums. You can pay between £5 and £100. You can have more than one policy, but you can't pay more than £100 a month in premiums across all over 50 life insurance policies you hold with us.
Fixed cover amount and premiums 
The amount you pay each month will never change, so you don’t have to worry about any unexpected increases. The cover amount is fixed, so its real-life value will go down over time because of inflation. You’ll stop paying your premiums after 30 years or the policy anniversary after your 90th birthday, whichever comes first, but your cover will continue until you die. The payout could be less than you paid in premiums, depending on how long you live.
We guarantee to pay out 
We’ll pay out the cover amount as a lump sum if you die for any reason after the first 12 months of having the policy, or if you die because of an accident within the first 12 months. If you die within the first 12 months due to any other reason, we'll pay a cash amount equal to the premiums already paid, but not the cover amount.
Are you eligible for over 50 life insurance?
We guarantee to accept you if you’re:
- aged between 50 and 80
- a UK resident with a legal right to live in that jurisdiction, and consider your main home as being in the UK and have no current intention of moving anywhere else permanently. The UK does not include the Channel Islands, Isle of Man or Gibraltar.
How much over 50 life insurance can you get?
You can choose the premium you want to pay each month or you can choose the level of cover. If you choose the level of cover, the price you'll pay will be based on your personal circumstances, like your age and whether you smoke. See how much over 50s life insurance can cost.
Important documents
Before you apply for Over 50s Life Insurance, please read the Over 50s Life Insurance Plan Summary (PDF 82 KB) and the Over 50s Life Insurance Plan Conditions (PDF 84 KB). You can also read more About our insurance services (PDF 83 KB)
Benefits of our Over 50s Life Insurance - access to wellbeing support
You’ll get access to the Aviva DigiCare+ app, through your Over 50s Life Insurance policy. Aviva DigiCare+ is provided by Square Health, who supply the services together with a handful of carefully selected partners. This is a non-contractual benefit we can change or withdraw at any time. You can find terms and conditions and the privacy policy in the app. Residency restrictions apply.
Digital GP
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Mental health support
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Nutrition advice
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Bereavement support
Bereavement support Get practical support and emotional comfort when you lose someone close to you.
Get an Amazon.co.uk Gift Card*
Get an Amazon.co.uk Gift Card*
A little gift from us
§ As a thank you for buying an over 50 life insurance policy, we’re currently offering an Amazon.co.uk Gift Card. *Restrictions apply, see www.amazon.co.uk/gc-legal.
There’s a maximum of one gift card per person and per policy. The gift card is a limited time offer. It isn’t part of the policy terms and benefits, and may be withdrawn or changed at any time. Once you’ve paid your sixth monthly premium, we’ll send you an email inviting you to claim your gift card within 28 working days.
How much could you get?
After paying six monthly premiums, you'll be eligible to claim a gift card worth between £50 and £200. The value of your gift card depends on how much your monthly premiums are.
- £50 gift card – monthly premium of £5 to £9.99 (minimum total premium over six months: £30)
- £80 gift card – monthly premium of £10 to £19.99 (minimum total premium over six months: £60)
- £140 gift card – monthly premium of £20 to £29.99 (minimum total premium over six months: £120)
- £200 gift card – monthly premium of £30 or more (minimum total premium over six months: £180)
Why choose our over 50 life insurance
We've got heritage. We've been around for 325 years, so our customers can trust us like their great-grandparents did.
If you already have another policy with us, we'll give you 10% off new Aviva policies, including your over 50 life insurance premium. T&Cs apply.Footnote 1
An Aviva Trust could give you more control over who your money goes to after you die.
It’s easy to check your cover, see your policy documents and keep your details up to date on MyAviva.
Our cover is rated 5 Stars by Defaqto, one of the UK’s most trusted sources of financial product and market intelligence.
Learn about over 50 life insurance
Understand more about over 50 life insurance by looking through the articles and tools we’ve pulled together to help you get to grips with this topic.
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Over 50 life insurance
How much is over 50s life insurance
What it might cost, when you get it, and how much your beneficiaries will get
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Over 50 life insurance
Over 50 life insurance: premiums and paying out
How over 50 life insurance premiums work and pay out
Over 50 life insurance FAQs
What's the difference between our Life Insurance Plan and our Over 50s Life Insurance Plan?
Our Life Insurance Plan covers you for a specific amount of time, but our Over 50s Life Insurance Plan covers you for the rest of your life. The lump sum payout on an Over 50s Life Insurance Plan is usually much smaller than the payout on a Life Insurance Plan. The other difference is that you can’t take out a joint policy for our Over 50s Life Insurance Plan.
Over 50s Life Insurance Plan
You must be aged between 50 and 80 and a UK resident. You pay the same premium for life, and you won’t need a medical or health check.
The cover amount is fixed so it’s real-life value will go down over time because of inflation. You can hold a number of policies, but there’s a maximum premium limit of £100 across all policies.
You can choose either the level of cover you want or a premium you’d like to pay each month.
You’ll no longer pay premiums once you’ve had your policy for 30 years or from the policy anniversary after your 90th birthday. However, your cover will continue.
For our Over 50s Life Insurance Plan, we’ll pay the full cover amount if you die after the first 12 months. We’ll also pay the full amount if you die from an accident during the first 12 months of the policy. If you die within the first 12 months of cover from anything other than an accident, we’ll pay an amount equal to the premiums paid. Depending on how long you live, you may end up paying more in premiums than the amount we pay out when you die.
Life Insurance Plan
You must be aged between 18 and 77 to apply, and your cover stops at the end of the policy term. We’ll ask you a few health and lifestyle questions when you apply. You choose a cover amount and if you want your cover to stay the same, rise in line with inflation, or go down over time in line with a repayment mortgage or loan. You can take out a single or joint life insurance policy.
Neither of these products are savings or investment plans. They will only pay out on a successful claim.
If you’re not sure which one might be right for you, speak to a financial adviser.
How would my family or loved ones make a claim?
They’ll need to call us on 0800 015 1142 or let us know online. Our expert teams will make sure the process runs as smoothly as possible.
Do I need a medical?
No, we won’t ask you any health questions or ask you to have a medical examination. We also guarantee to accept you for our Over 50s Life Insurance if you’re aged between 50 and 80 and live in the UK. If you die within the first 12 months and it wasn’t an accidental death, we won’t pay out the cover amount. Instead, we’ll pay a sum equal to the premiums you have already paid.
What happens if I stop paying premiums for my Over 50s Life Insurance?
If you stop paying your monthly premiums before your premiums are due to finish, we’ll cancel your policy and your cover 60 days after the last premium was due. You also won’t get back any premiums you’ve already paid.
Can my partner take out cover as well?
Yes, they can if they meet the eligibility criteria. However, you can’t take this policy out jointly. You can only take it out for a single person.
Will my premiums go up?
No, your premiums will never go up. That means the amount you pay each month will stay the same throughout the time you pay your premiums.
Your premiums will stop and you won’t pay anything more after you’ve had your policy for 30 years or from the policy anniversary after your 90th birthday, whichever comes first. Your cover will continue until you die.
Remember, depending on how long you live, you could pay more in total premiums than the cover amount you’ll leave behind.