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Who Can Apply for Over 50s Life Insurance?

All UK residents aged 50-80 can apply for over 50s insurance. Even if you aren’t in your perfect state of health, given the old age, you can still apply for an over 50s cover.

Why Do I Need Over 50s Insurance?

There are a number of reasons why you might need an over 50s insurance, but here are the three main ones:

Firstly, over 50s insurance can be very useful to cover for remaining credit card debts or mortgage. Having an insurance policy can help ensure that these expenses will be cleared in the event of your death.

Secondly, if you have an over 50s policy, it can help pay for your funeral expenses or any remaining medical bills so your family won’t have to shoulder them.

Lastly, a life insurance policy is perfect to leave a substantial amount of lump sum money to your dependents in the event of your passing.

How Much Does it Cost?

We can never give you a definite amount, but your premiums will highly depend on the following factors:

  • Your age
  • Your gender
  • Your medical history
  • Your occupation
  • Whether you smoke or not
  • Current state of health
  • How much cover you want
  • Cover term


As a rule of thumb, the older you are, the higher your premiums will be. If you have poor health or if there are other factors that pose a high risk to your health, such as smoking, your premiums will rise as well. Same as if you engage in dangerous hobbies or activities.

How Much Cover Do I Need?

The amount of cover you need will depend on a number of factors, and it is wise for you to talk to one of our advisers about it. Things will be different if you are a homemaker, than if you are a breadwinner. Still, there will surely be changes in your family’s expenditures, which our team can give you appropriate advice on.

For How Long Do I Need the Cover?

Likewise, it is also impossible to predict how long you will need the coverage. You may want to consider how long your savings are likely to last before your dependents are old enough to become financially stable, or if you have retirement funds that can also give them some cover.

Other things you need to check out with your adviser are your outstanding debts or mortgage repayment, and how long before they are paid off.

Why Choose Over50sCover?

Over50sCover is the brand you can trust when looking for an insurance policy for over 50s. We are regulated by the FSA and are authorized to conduct business here in the UK, with the mission of helping you locate the best provider among the hundreds in the market. We search among the vast market of insurers to find the one that best suits your needs, in a quick and easy manner. Most importantly, there is no cost with using our service and you will never be obliged to accept the FREE quotes that we offer.

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