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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, also known as over 50s life cover, is a specialist life insurance policy for people over the age of 50. Should you pass away your over 50s life insurance policy will pay a lump sum of money to your family.

Unlike regular life insurance over 50s life insurance does not take into account the policy holder’s medical history.

An over 50s life insurance policy can be bought for a variety of reasons depending on your situation. Many people take out over 50s life insurance to:

  • Cover funeral costs when they pass away
  • Leave a financial gift to family members such as grandchildren
  • Secure their partner’s future with financial comfort through retirement

How does over 50s life insurance work?

Over 50s life insurance is different from a standard life insurance policy and as the name of product suggests, it is only available to those over 50 years old. The main differences of an over 50s life insurance policy are:

No medical history required

Over 50s life insurance does not require the policyholder to undergo a medical assessment which can be hugely beneficial to people who have suffered with ill health or pre-existing conditions. Standard life insurance policies may base your monthly premiums on your health, making them less affordable than an over 50s life insurance policy.

Non-reviewable premiums

With an over 50s life insurance policy your premiums are fixed for the duration of your cover, regardless of your age or the state of your health.

It is important to remember that with an over 50s life insurance plan you could end up paying more in premiums than your lump sum.

Who is eligible for over 50s life insurance?

Anyone who spends more than half of the year residing in the UK and is aged between 50 and 90 can take out an over 50s life insurance policy. If you meet these requirements you will be guaranteed to be accepted onto an over 50s life cover plan.

Whilst your medical history is disregarding on an over 50s life insurance policy, people who smoke may have to pay higher premiums as their life expectancy is less than non-smokers.

Some over 50s life insurance quotes will no longer require you to pay premiums once you reach 90, but you will still be covered for the rest of your life.

Why would I need over 50s life insurance?

It can be difficult to think about what would happen if you were to pass away unexpectedly, especially if you are supporting a partner or spouse. If you have an over 50s life insurance policy in place you can ensure you family have sufficient support to help with funeral costs.

1 Which? 2014

A 'Top 3' life insurance broker as rated by customers

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.

Review centre member

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.

Review centre member

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.

Review centre member

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

Review centre member

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

Review centre member

Staff are very helpful, friendly and polite. They call back when they say they will and keep you up to date with progress. Pleasure to deal with.

Review centre member

Very polite and friendly, and gave detailed explanations of all aspects of the cover. Reassuring to know that if you do have a problem there is someone you can contact.

Review centre member

Friendly and efficient. Nothing was too much trouble even when i needed to make a small change, excellent service.

Review centre member

The advisor was incredibly helpful and fully explained the differences between the policies. I really liked the fact that I was put under no pressure.

Review centre member

I was pleasantly surprised with the in-depth knowledge, the efficiency and the nice and polite manner of the staff - the explanations were made very clearly.

Review centre member

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