What is over 50 life insurance and should I consider it?
This type of life insurance is for people aged over 50, who are looking for cover for the whole of their life, not just a set period. It pays out a lump sum when you die, which could go towards funeral costs or leaving a small gift.
With our over 50 life insurance, you don’t need a medical to take out a policy. If you’re aged 50 to 80, we guarantee to accept you without asking any health questions.
You need to live for more than 12 months after taking out a policy before we pay out the full lump sum – except if you die in an accident. If you die from any other cause within the first 12 months, we’ll pay out an amount equal to the premiums you’ve paid.
The cover amount is fixed, so inflation will reduce its value over time.
You could pay premiums for 30 years or until the policy anniversary after your 90th birthday, whichever comes sooner. At which point premiums will stop, but the cover will continue. Depending on how long you live, you could pay more in premiums than we pay out on a claim.
This is not a savings or investment product. We'll only pay out after a successful claim.
If you stop paying your premiums or cancel the policy, the cover will end, and you won’t get anything back.
Why use our over 50 life insurance calculator?
You may be wondering how much life insurance you could get and how much it will cost. This calculator can give you an idea of how much you could get if you paid a premium of £10, £20 or £30 a month. If you choose to get a quote after using this calculator, you’ll be able to choose a premium between £5 and £100 a month. Alternatively, you could choose a cover amount, which will guide the premium you pay.
How does our over 50 life insurance calculator work?
All you need to do is type in your age, say whether you smoke, and choose one of the three example premiums: £10, £20 and £30.
If you’ve smoked, vaped or used tobacco in the last year, you are a smoker. If you gave up more than a year ago or never did any of these things, you’re a non-smoker.
Over 50 life insurance calculator
With this calculator, we’ll give you an idea of how much cover you could get if you pay a monthly premium of £10, £20 or £30.
You can use that information as a guideline for how much you might need to pay to get a different cover amount. When you ask us for a quote, you can tell us how much cover you want.
Explore our life cover
Over 50 life insurance 
If you’re interested in this type of cover, you can start the ball rolling by getting a quote.
Life insurance 
If you want more cover than over 50 life insurance offers, take a look at what you could get with term life insurance.
Learn about over 50 life insurance
We have a range of guides and tools to help you understand how over 50 life insurance could cover you.
Over 50 life insurance
Should I get life insurance in my 50s?
Find out whether it's worth it - for you or your family
-
Over 50 life insurance
Term life insurance vs over 50 life insurance – which is right for me?
Explore your options so you can help protect the people you care about most
-
Over 50 life insurance
Over 50 life insurance vs Prepaid Funeral plans
Helping you prepare for a time when you're no longer around
-
Over 50 life insurance
Over 50 life insurance: premiums and paying out
How premiums and payouts work with over 50 life insurance
Life insurance calculator
See how much life insurance you might need.