What is over 50 life insurance?
It's a type of life insurance that lets you leave money behind for your loved ones when you're no longer around.
It's whole of life cover, which means it lasts your lifetime. To apply, you need to be aged 50 to 80 and a UK resident.
And while the cover means you can leave a little behind when you're gone, it brings benefits to you here and now too. As soon as your policy starts, you can use our Aviva DigiCare+ smartphone app, powered by Square Health, to access annual health checks, nutritional support, mental health counselling and more. So you have the tools and services you need to enjoy life today. Please be aware the benefits of Aviva DigiCare+ do not form part of your cover and they could be changed, or removed in the future.
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 or after 30 years, you won’t pay anything
100% claims paid
We pay 100% of claims and we do it quickly – usually within 3-5 working days. 1
Got a question? Call one of our friendly team on 0800 046 2778
How over 50 life insurance works
You choose a cover amount or how much you want to pay each month in premiums. You won’t need a medical or have to answer any health questions to be accepted.
If you die for any reason after the first 12 months of having the policy, we’ll pay out the full cover amount as a lump sum. We’ll also pay out the full cover amount if you die because of an accident within the first 12 months.
However, if you die before the first 12 months is up, and it wasn’t an accidental death, we won’t pay out the cover amount, but we’ll pay a sum that’s equal to the premiums that have already been paid.
Do you need over 50 life insurance?
If you're looking to leave a little something when you're gone, you might want to consider this type of lifetime cover. The lump sum payout could be used towards the cost of your funeral, home improvements, a holiday or anything else.
If you only need cover for a fixed amount of time, rather than your whole lifetime, you could consider our term life insurance.
And unlike over 50 life insurance, which only covers one person, with term life insurance you can get a joint policy with your partner.
How much cover can you get?
It depends on how much you want to pay each month in premiums and factors like your age and smoker status.
Tell us how much you want to pay in premiums each month and we’ll tell you the cover amount we can give you. Our cover is available from £5 to a maximum of £100 a month, across all over 50 life insurance policies held with us. Or tell us how much cover you want and we’ll tell you how much that will cost you each month.
You need to decide if the cover amount we can give you is enough for what you want it to do, like provide a little something for your loved ones. If it’s not enough, you’ll need to increase the amount you pay each month in premiums.
Over half of our customers pay £30 per month or less for our over 50 life insurance cover. 2
Current Age | Payout |
---|---|
50 | £5,681 |
60 | £4,721 |
70 | £2,885 |
80 | £1,357 |
Figures are based on a premium of £20 per month for a non-smoker and are correct as of 4th February 2022.
What our over 50 life insurance covers
Your premiums are fixed, there’s no medical, and your loved ones will receive money when you die. Here’s more about what’s covered.
What this cover offers
- Guaranteed acceptance
If you’re a UK resident aged between 50 and 80 - The same price for life
Just choose how much you want to pay each month - Lifetime cover
You won't pay any premiums after 30 years or after your 90th birthday, whichever comes first.
- A lump sum payout
We'll pay the full cover amount as a lump sum if you die after the first 12 months for any reason, or die within the first 12 months from an accident
- The option of more than one plan
If the combined total monthly premiums don't exceed £100
What to consider
- It has no cash value
We'll only pay out when you pass away. Your plan has no cash in value at any time. If you stop paying your premiums your cover will end and you won't get anything back - 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 is fixed so its real value will be reduced by the effects of inflation. This means it’s important to review your cover regularly - If you pass away in the first year not due to an accident
We'll pay a sum equal to the premiums already paid, but not the cover amount
Are you eligible for over 50 life insurance?
You don’t need to have a medical or answer health questions – you’re guaranteed to get cover, if you’re the right age and a UK resident.
To apply, you need to be:
- A permanent UK resident
- Aged between 50 and 80
Take care of your loved ones with an Aviva Trust
Our Trusts give you more control over who your money goes to once you're gone and will usually be exempt from Inheritance Tax 3.
Calculate how much your cover will cost
Try our simple quote calculator, it only takes a couple of minutes.
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: 18-77
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, within the policy term.
Age: 18-64
Cover: Up to £1,000,000
Payment: If you become critically ill and live for 10 days after diagnosis
Partnering with Macmillan Cancer Support

Offering specialised cancer support
We’ve partnered with Macmillan Cancer Support to raise awareness of the emotional, medical, and financial support they can provide if you’re living with cancer. Our customer team has the information, tools, and necessary training needed to guide you quickly to the Macmillan support service that’s right for you.
Already with us?
Here’s where you’ll find everything you need to know about your policy, and how to go about making any changes.
It’s important to tell your loved ones you have over 50 life insurance with us, and to share your policy number with them. This will help make things easier if they need to make a claim on your policy at what might be a difficult time.
View your policy in MyAviva
Use your secure online account to:
- See your policy documents
- Get offers and discounts
Manage your policy
This is your dedicated page if you have life cover with us. It’s where you’ll find lots of useful information, including:
- How to update your personal details
- How to make changes to your policy
- Answers to common questions
- Ways to get in touch
FAQs
Can I have more than one Aviva over 50 life insurance policy?
Do I need a medical?
Can I cash in my over 50 life insurance policy?
What happens if I stop paying premiums for my over 50 life insurance?
How would my family or loved ones make a claim?
Contact us
One of our friendly team will be happy to provide you with a quote and help answer any questions you may have.
Still need help? Give us a call
Monday to Friday: 8:00am - 6:00pm
Saturday and Sunday: Closed
For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free.