Over 50s Life Plans Life plans designed for the over 50s

An over 50s life plan pays your loved ones a lump sum whenever you pass away. Answer a few health questions and you could get more cover for your money than plans that ask none. A broker will compare leading UK insurers and call you with tailored quotes.

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Why Choose an Over 50s Life Plan

Lifetime cover that looks after the people you leave behind.

Whole of Life Cover

An over 50 life plan is whole of life cover — it never expires, and pays your family a lump sum whenever you pass away, not just within a fixed term.

More Cover for Your Money

Because you answer a few health questions, insurers can offer higher cover amounts than plans that ask none — often better value if you're in reasonable health.

A Lump Sum for Loved Ones

Your family can use the payout however they choose — towards clearing outstanding bills, everyday living costs or leaving a gift to children and grandchildren.

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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.

Over 50s Life Plan vs No-Health-Questions Plans

How an underwritten over 50 plan compares.

Feature	Over 50s Life Plan	No-Health-Questions Plans
Health questions	A few simple questions	None
Cover amounts	Higher — based on your health	Lower, capped amounts
Waiting period	None — full cover from day one	Usually 1-2 years

A broker will call with tailored quotes so you can compare both types of plan.

Over 50s Life Plan FAQs

Common questions about over 50 life plans.

These plans are designed for people aged 50 and over. Upper age limits vary by insurer — many accept new applicants up to 80, and some beyond. A broker will call to check which insurers suit your age.

Yes — a few simple questions about your health and lifestyle when you apply. Because an over 50s plan is underwritten, people in reasonable health often get more cover for their money than with plans that ask no health questions.

Yes. An over 50s plan lasts for the rest of your life rather than a fixed term, so it pays your loved ones a lump sum whenever you pass away, as long as you keep up your premiums.

However your family chooses. Many people take out an over 50 insurance plan so the lump sum can help towards funeral costs, clear outstanding bills or leave a gift for children and grandchildren.