Critical Illness Cover Over 50 Financial protection when the risk matters most

The risk of serious illness increases with age, making critical illness cover more valuable than ever after 50. We compare quotes from insurers who specialise in cover for the over 50s.

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Critical Illness Cover After 50

What you need to know about getting cover at this stage of life.

Cover Is Still Available

Many leading insurers offer critical illness cover up to age 65 or beyond. Starting now locks in a rate before premiums increase further with age.

Realistic Pricing

Premiums are higher over 50, but cover is still affordable. We compare prices across insurers to find strong value for your age group and health.

Tailored Cover Amount

You may not need the same level of cover as a 30-year-old. A broker will call to help work out the right amount based on your mortgage, debts, and lifestyle.

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UK Insurers

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How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Conditions Covered After 50

The same serious conditions are covered regardless of your age.

Cancer

Heart attack

Stroke

Multiple sclerosis

Kidney failure

Liver failure

Coronary artery bypass surgery

Major organ transplant

Motor neurone disease

Parkinson's disease

Blindness

Deafness

Dementia including Alzheimer's

Paralysis of limbs

Loss of limbs

Loss of speech

Heart valve surgery

Cardiomyopathy

Cardiac arrest

Benign brain tumour

Bacterial meningitis

Encephalitis

Traumatic brain injury

Third degree burns

Creutzfeldt-Jakob disease

Aplastic anaemia

Pulmonary artery surgery

Surgery to aorta

Primary pulmonary hypertension

Respiratory failure

Lung disease

Spinal stroke

Multiple system atrophy

Systemic lupus erythematosus

Removal of an eyeball

Total permanent disability

Maximum entry age varies by insurer — typically up to age 65-70 for critical illness cover. A broker will confirm your options.

Frequently Asked Questions

Yes. Many leading UK insurers offer critical illness cover to applicants up to age 65-70. Premiums will be higher than for younger applicants, but cover is still available.

The risk of serious illness increases significantly after 50. Cancer, heart disease, and stroke are more common in this age group. CI cover provides a financial safety net when you’re statistically more likely to need it.

Premiums are higher for over 50s, but the amount depends on your health, cover amount, and policy term. A broker will call with quotes so you can see the actual cost for your circumstances.

Consider how long you need protection — until your mortgage is paid off, until retirement, or until your children are financially independent. Shorter terms have lower premiums. A broker will call to discuss the options.

For most applications, no medical exam is required. You will be asked health and lifestyle questions. Subject to age, health and lifestyle, the insurer decides if further information is needed.