Over 50s Life Insurance

Lifelong cover with a premium that won't change. And a free £50 M&S voucher*

Get a quote *Terms and conditions

What is over 50s life insurance?

It’s a type of life cover for people aged between 50 and 80 years old. You pay a monthly premium that will never change, and your loved ones get a guaranteed fixed lump sum when you pass away. It’s whole of life cover, so there’s no need to think about how long you want it to last.

Bear in mind that, if you pass away in the first year of your cover and it isn’t due to an accident, we’ll pay back premiums already paid, but not a lump sum.

No medical

You won’t be asked any health questions or need a medical examination

Lifetime cover

Cover lasts for life – and once you turn 90 years old or you’ve had cover for 30 years, you no longer pay a penny

Multiple plans

Take out as many plans as you like (providing your premiums don’t exceed £100 a month)

Do you need over 50s life insurance?

You might want over 50s cover to help your partner or family pay funeral costs, school fees, or even a holiday when you’re gone – whatever’s important to you.

Some people move to this type of cover once their Life Insurance Plan has ended. Just note that you can’t get joint cover with over 50s life insurance. Here’s more about the difference between the two types of life insurance.

Free M&S Voucher

Apply directly with us and get a free £50 Marks & Spencer gift voucher.

Terms and conditions apply.

Our cover calculator

How does over 50s life insurance work?

You can choose the cover amount you need, or a monthly payment amount. You won’t need to have health checks or answer medical questions to be accepted. What you pay doesn’t change, so you won’t need to worry about price hikes. 

How much does cover cost?

You pay between £5 and £100 a month, depending on your age, and how much cover you’d like. Remember that what you pay each month will never rise.

Once you’ve had your policy for 30 years, or from the plan anniversary after your  90th birthday (whichever comes first), you’ll no longer pay a penny but your cover will continue.

You can have more than one policy if your total premiums aren't more than £100 a month.

Increasing cover graph

Who gets the claim money?

Your beneficiaries will get the money.

You can name beneficiaries in your will, but the payout will be part of your estate. This means it could be liable to Inheritance Tax and take longer to reach your loved ones 1.

If you place your policy in a trust and nominate trustees to manage the payout, you can help guarantee who gets the money.

About our over 50s plan

Choose the life cover you need based on what you want to pay each month. Your premiums are fixed and there's no medical to apply. Simple.

What's included

  • Guaranteed acceptance
    If you’re a UK resident aged between 50-80
  • The same price for life
    Just choose how much you want to pay each month 
  • Lifetime cover
    You won’t pay any more premiums once you’ve paid for  30 years or until the plan anniversary after your 90th birthday
  • Guaranteed cash lump sum 
    If you die after a year or have an accident within the first year
  • You can take out more than one plan
    Provided the total monthly premiums don't exceed £100

What's not included

  • It has no cash value
    We only pay out when you die, and if your payments stop, your cover will end 30 days after your last premium was due
  • It can't be joint cover
    It's a policy for one person
  • The payout could be less than what you paid in 
    Depending on how long you live
  • Inflation will reduce the value of the payout
    The cover amount doesn’t increase with inflation
  • If you pass away in the first year not due to an accident
    We'll pay back premiums already paid, but not a lump sum


Are you eligible for over 50s life cover?

To be eligible, you must be:

  • A permanent UK resident
  • Between 50-80 years old when cover starts
  • Within the £100 a month premium limit

Ready to get cover?

Our no-fuss quote calculator will show your monthly payment and cover amount options.

Looking for more cover?

Here are some more ways to help protect your family's future. There is no cash-in value at any time.

Life insurance

Pays out a lump sum to help your family pay bills, mortgage repayments, school fees and any other debts, if you die within the policy term.

Age: 18-89 

Cover: Up to £5,000,000

Payment: If you die, or get a terminal illness and aren’t expected to live longer than 12 months

Critical illness cover

Pays a lump sum if you or your child are diagnosed with or have surgery for one of the 53 critical illnesses covered by our plan.

Age: 18-64

Cover: Up to £1,000,000

Payment: If you become critically ill and live for 10 days after diagnosis

Free Parent Life Cover

A year’s worth of life cover for parents of children under 4. Absolutely free.

Age: 18-66 with a child under 4 

Cover: £15,000

Payment: If you pass away

How the claims process works

If your family or loved ones need to make a claim, we’ll make sure the process is as smooth as possible.

Step 1

Let us know

Call us on 0800 015 1142 from the UK 2.

Alternatively, use our online claim form or write to us at Aviva, Claims Assessment Team, PO Box 520, Norwich, NR1 3WG.

Step 2

Expert review

We’ll review the claim and get in touch if we need more information, such as a death certificate or medical information.

Step 3

Paying your claim

If your claim is valid, we’ll make the payment within five working days of our decision.

Already with us?

If you would like to call us about an existing policy you can find our contact details here.

Find out about the different ways you can make a claim.


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