Straightforward cover for life after 50
Explore simple options designed to offer reassurance later in life, with practical planning in mind.
What is over 50s life insurance?
Over 50s life insurance is a type of policy designed for individuals typically aged between 50 and 80, offering acceptance without the need for medical underwriting in many cases. These policies usually provide a guaranteed payout upon death, provided the policy terms are met, although premiums are often fixed and cover levels may be lower compared to other types of life insurance.
My role is to set out the key information so you can understand how over 50s policies work and what they may offer. This supports you in making a decision that reflects your circumstances and future plans.
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Frequently asked questions
It’s a guaranteed policy for people aged 50+ that pays out a fixed amount when you pass away.
Yes — no medical questions or exams are required.
Common uses include funeral costs or leaving a small gift to loved ones.
Yes, and your payout is based on how much you choose to pay.
Most providers have an initial waiting period, usually 12–24 months.