High Risk Life Insurance Guaranteed acceptance for over 50s

Been declined for life insurance before? Guaranteed acceptance plans are designed for those who struggle to get cover elsewhere.

Quick & Easy

No Obligation

Expert Brokers

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Quick & Easy

No Obligation

Expert Brokers

Step 1 of 6 17%

How much cover would you like?*

£5,000

£10,000

£15,000

£20,000

Why Choose Guaranteed Acceptance?

Finally, life insurance that won't turn you down.

No Health Questions

No matter why you were declined before, we won't ask. No medical exams, no GP reports required.

Fixed Premiums

Your payments never increase. Lock in today's rate for the lifetime of your policy.

100% Acceptance

If you're aged 50-85, you're guaranteed to be accepted. We don't say no.

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.

Frequently Asked Questions

Common questions about high risk life insurance.

High risk life insurance is for people who may struggle to get standard cover due to health conditions, dangerous occupations, risky hobbies, or lifestyle factors.

Yes. Guaranteed acceptance life insurance for ages 50-85 accepts all applicants regardless of risk factors. No medical questions, no health checks.

Factors include serious medical conditions, BMI over 40, dangerous jobs (e.g. scaffolding, mining), dangerous hobbies (e.g. sky diving, motorsports), or history of drug or alcohol issues.

Some specialist insurers offer standard policies for high risk applicants, often at higher premiums. A broker will call to check your options across both guaranteed and standard policies.

Premiums start from £5 per month on guaranteed policies. Standard high risk policies vary depending on the specific risk factors. A broker will call to compare.