Over 50s Life Insurance

Fixed, affordable cover – plus a free £50 M&S voucher*

Get a quote *Terms and conditions

Lifelong protection for over 50s

Choose what you’d like to pay each month – from £5 to £100 – and our Over 50s Life Insurance guarantees you’ll be able to leave money to your loved ones if something happens to you.

The price will never increase

Your premiums will never go up – so you don’t need to worry about any price hikes

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)

There are no health checks to worry about and you're guaranteed to be accepted as long as you're a UK resident aged 50-80. If you'd like to take out cover, call us on 0800 046 2778 1 or apply online.

What our Over 50s plan offers

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 covered

  • Guaranteed acceptance
    If you’re a UK resident aged between 50-80, you’ll be guaranteed our cover – simple
  • Same price for life
    Choose how much you'll pay each month and we won’t ever change the price – so you’ll never have to worry about increasing premiums
  • Lifetime cover
    Once you’ve paid for 30 years or until the plan anniversary after your 90th birthday, you won’t pay any more premiums
  • Cash lump sum guaranteed
    We’ll pay out the full sum if you pass away after 1 year or you die as a result of an accident within the first year. If you pass away for another reason in the first year, we'll pay back the total amount of any premiums you paid
  • Multiple plans
    Take out more than 1 plan (as long as the total premiums don't exceed £100)

What's not covered

There are a few things this plan doesn’t offer that you need to be aware of:

  • No cash-in value at any time
    You can’t opt to take money out of the policy – it only pays out when you pass away. If your payments stop, cover will end 30 days after your last premium was due and you’ll get nothing back
  • Insure more than 1 person on your policy
    This policy is for 1 person only so you can’t opt for joint cover
  • Your family could get back less than you paid in
    Depending on how long you live, the amount you pay each month could exceed the amount we'll pay out
  • Inflation will reduce the value of the payout
    Cover amount doesn’t increase with inflation, so the amount may not hold the same value in the future
  • If you pass away in the first year
    We only pay the full amount in the first 12 months if you pass away as a result of an accident. If you pass away from any other cause, we'll pay back the amount of the premiums you’ve paid

Policy documents

See a full list of what is and isn't covered and more in our policy wording. If you're not sure this is right for you, consult an independent financial adviser.

Are you eligible for over 50s life cover?

To apply for cover, you need to:

  • Be a permanent UK resident
  • Be between 50-80 years old when cover starts
  • Not exceed the £100 a month premium limit

Ready to get cover?

Choose how much you’d like to pay each month and see how much your loved ones could receive.


Call us on

0800 046 2778

Monday to Friday: 8:00 – 20:00

Saturday: 9:00 – 17:00

Sundays and Bank Holidays: 10:00 – 16:00

Apply online

Free £50 gift voucher

Apply direct with us and we’ll give you £50 worth of Marks & Spencer vouchers. 

Terms and conditions apply.

Our cover calculator

How our Over 50s plan works

Lifelong cover with fixed premiums that guarantees a set amount of money for your family once you pass away.

How much does cover cost?

Prices start from £5 per month, but you can choose to pay up to £100 per month depending on the amount of cover you need.

Your premiums are fixed for life, so you never have to worry about them increasing.

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, as long as the total premiums don't exceed £100 a month.

Increasing cover graph

How much cover do I need?

Think about the amount of money your family will need once you pass away - whether that's money to help contribute towards funeral expenses, or to leave as a gift to your loved ones.

The amount of cover available will also depend on what age you are when you sign up.

And remember the  value of any amount paid out may be worth less in the future due to inflation.


Who benefits from a claim?

To help guarantee who benefits from your life insurance, you can nominate a beneficiary in a will or place your policy in a Trust.

A Trust allows you to specify who receives the money, and lets you choose the trustees that will manage any claims or payouts after you’ve passed away.

While you can do the same with a will, any money paid out will be considered part of your overall estate – so could be subject to Inheritance Tax and take longer to reach your loved ones 2.

Visit Aviva Trusts to find out more about the options we offer.


How our life insurance helps

Everyone’s circumstances are different, but most people start to think about life insurance to help protect their partner or family financially.

Guaranteed acceptance

At 76 years old, Julia found some life insurance policies pretty pricey. With our over 50s plan, she found options from as little as £5 a month, or up to £10,619 of cover. She was also guaranteed to be accepted without any medical checks 3.

Multiple plans

Bob had life insurance. He also had a critical illness policy. But when he hit 50, he wanted more. He took out 2 of our Over 50s Life insurance policies – for £50 a month each – and put them in trusts for his 2 grandchildren. That guaranteed both of them a payment that they could put towards their future 3.

Looking for more cover?

We have a range of options to help protect your family's future. There is no cash-in value at any time.

Life insurance

Cover for your mortgage, children’s university fees, loss of salary and more if you pass away.

Age: 18-89 

Cover: Up to £5,000,000

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

Critical illness cover

Our Critical Illness Plan pays out a lump sum if you or your child are diagnosed with or have surgery for 1 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.


Let us know

Call us on 0800 015 1142 from the UK or +44 1904 723 520 from overseas 1.

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


Expert review

Our team of experts will review your claim and contact you if they need any more information (eg a death certificate or medical information). 


Paying your claim

If agreed, we'll make the claim payment within 5 working days of our decision. 

Contact us

Still need help? Give us a call.

0800 046 2778

Monday to Friday: 8:00 – 20:00

Saturday: 9:00 – 17:00

Sundays and Bank Holidays: 10:00 – 16:00