What is guaranteed acceptance for over 50 life insurance?

We guarantee we’ll accept your application for over 50 life insurance if:

  • you’re aged between 50 and 80
  • you’re in the UK and have a legal right to live here
  • you consider the UK your main home and don’t intend to move anywhere else permanently.

Even if you meet these requirements, you’ll need to answer questions in your application about your date of birth and smoker status. Your answers might affect the amount you’ll pay each month (your premiums) and the amount we’ll pay you for a claim (the payout).

It’s important to answer as fully, truthfully and accurately as you can. Otherwise, we might have to change or cancel your policy, or we might not pay out for a claim.


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We're having to do a few things a little differently right now, here's all the latest information about our different policies, including COVID-19 specific frequently asked questions, and the best way to contact us.

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