Guaranteed Over 50s Life Insurance No medical questions. Guaranteed acceptance ages 50-85

Get a fixed cash sum for your loved ones with no health checks required. Premiums are fixed for life and acceptance is guaranteed.

Quick & Easy

No Obligation

Expert Brokers

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Quick & Easy

No Obligation

Expert Brokers

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How much cover would you like?*

£5,000

£10,000

£15,000

£20,000

Benefits of Guaranteed Over 50s Cover

Designed for those aged 50-85 who want simple, straightforward life insurance.

No Medical Questions

You won't be asked about your health or lifestyle. No medical exams, no GP reports, no waiting for underwriting decisions.

Fixed Premiums for Life

Your monthly payments are guaranteed never to increase. What you pay today is what you'll always pay.

Guaranteed Acceptance

Everyone aged 50-85 is accepted. No one is turned down regardless of their health history or pre-existing conditions.

100%

Acceptance

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

Get Your Free Quote

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.

Guaranteed vs Whole of Life Insurance

Understanding which type of cover suits you.

Feature	Guaranteed Over 50s	Whole of Life
Acceptance	Guaranteed — no medical questions	Subject to health assessment
Age range	50-85	18-84
Maximum cover	Up to £20,000	Up to £1,000,000+
Waiting period	12-24 months	None — immediate cover
Suited for	Pre-existing conditions, previously declined	Good health, higher cover needed

A broker will call to discuss which option suits your circumstances.

Frequently Asked Questions

Common questions about guaranteed over 50s life insurance.

Guaranteed life insurance is a whole-of-life policy for UK residents aged 50-85 that guarantees acceptance with no medical questions. It pays a tax-free lump sum to your loved ones when you pass away.

No. Guaranteed life insurance has no medical questions, no health checks, and no medical exams. You are guaranteed to be accepted regardless of your health.

Most policies have a 12 or 24 month waiting period during which only accidental death is covered. If you pass away from natural causes during this period, all premiums paid are refunded to your family.

Guaranteed over 50s life insurance provides cover from around £2,000 up to £20,000 depending on the insurer, your age, and your budget.

If you have pre-existing health conditions that make standard life insurance difficult to obtain, guaranteed acceptance provides peace of mind. It is particularly suited for covering funeral costs (average UK funeral costs around £4,000) or leaving a small gift.

Yes. Writing in trust means the payout goes directly to your named beneficiaries, avoiding inheritance tax and speeding up the payout process. A broker will call to explain how this works.

Premiums start from £5 per month depending on your age and smoking status. Your premiums are fixed and never increase for the life of the policy.