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.
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. Bear in mind that you can’t get joint cover with over 50s cover, it’s just for one. 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.
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.
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
Policy documents
Find out more about the policy.
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.
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.
Expert review
We’ll review the claim and get in touch if we need more information, such as a death certificate or medical information.
Paying your claim
If your claim is valid, we’ll make the payment within five working days of our decision.
Life articles
Take a look at our latest news and guides.
How does life insurance work?
From how much life insurance costs to who gets the money if you die during the policy term, here’s a simple guide to life insurance and how it works.
Understand life insurance
What is mortgage protection insurance?
Mortgage protection insurance is a type of term life insurance. Find out more about how mortgage protection insurance works, and how it can help you here.
Learn more
What's the difference between life insurance and life assurance?
Life insurance and life assurance are terms that are often used interchangeably – but is there a difference?
Read more
Think you can't afford life insurance? You're not alone
Read our 4 top tips on how to make the cost of life insurance more manageable.
Affordable life insurance
The difference between a death in service policy and life insurance
Understand the difference and why you might need both.
Know the difference
Should I buy a single or joint life insurance policy?
Understand the difference between both policies.
Single or joint?
Understanding life insurance
Explore our different types of cover.
What is life insurance?
What is term life insurance?
There are 3 different types of term life insurance.
Explore term life insurance
What happens to debt when someone dies?
Our guide to how finances are managed and debts are dealt with after a loved one passes away.
Settling debts after death
What happens to life insurance after divorce?
A simple guide to separating your life insurance policies if your relationship breaks down.
Life cover after divorce
What is critical illness cover?
Critical Illness Cover pays out a lump sum to help cover costs should you fall ill. Find out how it could benefit you and your loved ones.
Learn about this cover
A financial guide to starting a family
Whether you're a new parent or have a little one on the way, here are our top tips for setting up your family's new finances.
New family finances
What is common law marriage?
See our top tips to help you protect your family's finances if you choose not to marry.
Finances for couples
Contact us
Give us a call.
Monday to Friday: 8:00 – 20:00
Saturday: 9:00 – 17:00
Sundays and Bank Holidays: 10:00 – 16:00