Over 50s life insurance

Cover for life and a premium that won’t rise

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What is over 50s life insurance?

It’s a type of insurance that lets you leave a guaranteed fixed lump sum to your loved ones when you’re no longer around. To apply, you just need to be aged 50 to 80 and a UK resident. 

Your monthly premium won’t rise, and there’s no need to think about how long you want it to last, as it’s whole of life cover. 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 78 years old or after 30 years, you won’t pay anything 

Multiple plans

Take out as many plans as you like, if your total combined premiums aren’t over £100 a month

How does over 50s life insurance work?

You choose a cover amount and monthly payment, and we pay a lump sum when you pass away. You won’t need a medical or have to answer any health questions to be accepted.

Do you need over 50s life insurance?

If you’re looking to leave your family a guaranteed lump sum payment when you’re gone, you might want to consider this type of lifetime cover. The payout could go towards funeral costs, or be a cash gift your loved ones use however they like. 

If you’re looking for funeral cover only, you might also be interested in prepaid funeral plans.

How much cover do you need? 

It depends on what you’d want the lump sum to be used for, and what's affordable.  

Our cover’s available from £5 to £100 a month, depending on your age, and how much cover you’d like. And you can have more than one policy if your total combined premiums aren't over £100 a month. 

If you want a joint policy with your partner, or if you only need cover for a certain length of time, you could consider our term life insurance

How do you leave the lump sum to a loved one? 

When you pass away, the insurance payout becomes part of your estate and will go to loved ones you’ve named in your will, known as beneficiaries. If you put your policy in a Trust, you get control over who the payout goes to, and it will usually be exempt from Inheritance Tax 1.

How long are you covered for?

It’s a whole of life policy, so it lasts a lifetime, instead of a specific number of years. You pay a premium of between £5 and £100 a month, depending on your age and how much cover you’d like, and the payout is guaranteed whenever you pass away. After that, the cover ends.

Your premiums won’t rise

It might be reassuring to know that 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, you’ll no longer pay anything, but your cover will continue.

It’s worth being aware that, depending on how long you live, you could pay more in total premiums than the cover amount.

Increasing cover graph

What our over 50s life insurance covers

Your premiums are fixed, there’s no medical, and a payout is guaranteed. 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
  • A guaranteed cash lump sum payout
    If you pass away or have an accident within the first year
  • 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 only pay out when you pass away. If you stop making payments that are due, your cover will end after 30 days
  • 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 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

Ready to get cover?

Try our simple quote calculator to see 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: 18-77 

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.

Age: 18-64

Cover: Up to £1,000,000

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

Funeral plans

Plan your funeral ahead of time and pay for the services included at today’s prices.

Age: 50 or over

Cover: The cost of services included in the plan

Payment: One lump sum, over 12 months, or up to 25 years

How our 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?

Here’s how to contact us about your policy, and how to make a claim


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Contact us

Give us a call.

0800 046 2778

Monday to Friday: 8:00am – 8:00pm

Saturday and Sunday: Closed