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Life insurance

Leave a cash lump sum to your loved ones in the event of your death and protect your family’s financial future.

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Over 50's life insurance

Guaranteed acceptance for UK residents aged between 50 and 80 with no medical required. Choose an Over 50’s policy to suit your budget and needs.

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Whole of life insurance

Whole of life insurance guarantees the pay out of a lump sum when the policyholder dies which can be used for Inheritance Tax Planning.

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Critical illness cover

Receive a cash lump sum if you are diagnosed with one of the specified critical illnesses in your policy, such as cancer, heart attack or stroke.

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Information Guides

Over 50s life insurance

Over 50s-life insurance, as the name suggests, is a specialist life insurance plan for people aged 50 and over. Also known as over-50s life cover or an over-50s life plan, this type of policy will pay a lump sum of money to your family on your death.

What is over-50s life insurance?

Over-50s life insurance is a type of whole of life cover and is very different to regular life insurance. It is guaranteed to pay out when you die and is therefore a type of life assurance. However, premiums can be higher than with other types of policy and you might pay more in than your beneficiaries receive when you pass away.

Policyholders choose an over-50s life plan for all sort of reasons, such as covering funeral expenses, leaving an inheritance to children and grandchildren and ensuring that their partner or spouse is financially comfortable. You do not need a medical assessment to take out over-50s life cover and your medical history is not taken into account.

How does over-50s life insurance work?

Over-50s life insurance is for people aged between 50 and 80. Policyholders pay a monthly premium, and a fixed sum is paid to their beneficiaries when they pass away.

Over-50s cover can be ideal for people who have pre-existing conditions or who have experienced poor health previously, as acceptance is guaranteed without the need for a medical examination. In contrast, standard life insurance policies often calculate the cost based your health history, making them less affordable to many than over-50s life insurance.

Premiums are, however, fixed for the duration of the policy, and do not decrease as you get older. It’s therefore important to understand you could end up paying more into the policy than the lump sum payable when you die.

Note that most policies have an initial period - often 12 or 24 months - during which beneficiaries will not receive the fixed sum if you die, unless your death is the result of an accident. The premiums paid in to date, however, will be returned.

Am I eligible for over-50s life insurance?

An over-50s life insurance policy can be taken out by anyone who is resident in the UK for at least six months of the year and is aged between 50 and 80. Although medical details are disregarded, smoking can increase the cost of the policy, as the life expectancy of smokers tends to be lower than that of non-smokers.

Do I need over-50s life insurance?

Few of us like to think about whether we need life insurance at all and, when we reach 50, these thoughts can become even more daunting. However, planning ahead is the best thing for your loved ones should the worst happen, and will give you peace of mind that they will have a financial safety net to cover funeral costs or to maintain their current lifestyle.

Over-50s life insurance could be the ideal solution, depending on your circumstances. You can compare over-50s life insurance by filing in our short online form and getting competitive quotes in less than two minutes. We work in partnership with trusted names including, and uSwitch, as well as offering free, impartial advice over the phone from our specialist team.

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Very helpful and polite and always try their best to obtain the best quotes. Have been using them for the last 3 years and will continue to use them in the future.

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A great service from the initial call, to finalising the agreement. I would highly recommend to my family and friends.

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Proactive, efficient, and offered me insurance I need. I would say half price I would end up paying if I did it by myself. Many thanks.

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Excellent service. Explained everything in detail and really helped to find the right insurance best suited to my needs - which wasn't necessarily the most expensive. 

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Good value and the advisor was very helpful and recommended the best policy for my grandson. I would definitely use this service again and recommend to others.

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We were contacted in good time to make a knowledgable choice. We were given plenty of options with lots of information to enable us to make the right choice.

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The service I received was excellent, the staff member was very efficient and knowledgable. She went out of her way to get the best policy for me.

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Great service. I really appreciated the help provided by Active Quote to arrange health insurance. The agent was very informative and proactive. Many thanks!

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I received excellent care and attention from the first phone call till the last. Friendly, efficient and patient.

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