Compare Over 50 life insurance plans
Comparing Over 50’s Life Insurance such as Royal London, SunLife & others from £3.90 a month is important; you want to choose the best Over 50 Plan at the right price. But as well as price, because plans differ you want to be sure you choose a plan that suits your needs, which is where we can help.
We show you how Over 50 life insurance plans compare. Plus we have teamed up with Hannah Financial Services, one of the UKs leading life insurance brokers, giving you access to the country’s leading Over 50 Life Insurance Providers.
To see how much Over 50s life cover you could get, just click the ‘get a quote ’button, answer a few questions and we’ll do the rest.
Or you can click on the "click here" text in the table and go directly to the SunLife, British Seniors or Royal London websites and get a quote: please note that these companies are not part of our free Will Offer.
Our partner, Hannah Insurance Services deal directly with insurance companies to offer you their best rates together with free advice and brokering services.
*You could get up to 40% more cover with a standard whole of life plan compared to an Over 50 Life Insurance plan if you are in good health and happy to answer lifestyle and health questions when you get a quote with our partner Hannah Financial Services by clicking here.
Video note: not all plan providers will provide cover to your 85th birthday - please see each plan details for more information.
^Free Will worth £150 with every life insurance plan bought through Hannah our specialist broker.
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Life Insurance Over 50 with guaranteed acceptance
If you are over 50 and thinking about life insurance, you will no doubt have noticed the adverts on TV and in the press for Over 50 Life Insurance – guaranteed life insurance plans offered by well known companies such as SunLife, Royal London, British Seniors and L&G.
Many people choose a guaranteed over 50 plan for its ease and simplicity. You don’t have to answer any medical or lifestyle questions and you are guaranteed to be accepted as long as you are between the ages of 50 to 80 (or 85 in the case of SunLife) and live in the UK.
However if you are over 50, looking for life insurance and happy to answer questions on your health and lifestyle, you may get up to 40% more life cover with a regular whole of life insurance plan.
To help you choose the best life insurance for you, be that an Over 50s plan or regular whole of life insurance, we have reviewed market leaders making it easy for you to compare life insurance plans. In addition, by using our life insurance comparison table, you can get quotes from leading life insurance providers so you can see for yourself just how much more life cover you can get for your money.
Whether you are over 50 and looking for life insurance to help with funeral costs, or wanting to leave money to family, it is important to compare 50 plus life insurance quotes so you can choose a plan that is affordable, provides the benefits you are looking for and gives you the greatest cash sum.
To compare Over 50 life insurance quotes - click on the button
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Over 60 life insurance no medical
A question we get asked frequently is, "Can I have life insurance over 60 years of age?"
The answer is of course yes. Even though many life insurance plans are called ‘Over 50 Plans’, they are suitable for over 60s and over 70s too. In fact some companies provide life cover for those up to 80 years of age and SunLife have a maximum age limit of 85.
As we get older we start to think about putting plans in place for our later years to protect our families, perhaps from the financial burden of paying for our funeral. This is where Over 50s life cover could be helpful, particularly as your eligibility for cover does not depend on the state of your health. Your acceptance is guaranteed with no questions asked about your health or lifestyle – you just need to be within the age limit and live in the UK.
What also appeals to many over 60s is that guaranteed life insurance is affordable, with cover from as little as £3.90 a month; but it does pay to compare the market for over 60s life insurance, which is where we can help.
We make comparing life insurance for those over 60 easy with our reviews and comparison table. You just click on the "Get a Quote" button and compare plans based on the monthly premiums your prefer, the cash sum paid out when you die and other benefits such as how soon you are covered and how long you pay into the plan.
Some life insurance plans come with a free gift as a thank you for choosing that particular plan however you shouldn't base your decision on a free gift – the features and benefits and of course the cash sum paid out are all far more important.
Although these days cover for both males and females is the same, it's worth noting that smoking could affect your over sixty life insurance monthly premiums. Some companies may charge more for covering a person who smokes, so this again is where a detailed comparison will help.
Of course life insurance for over 60s isn’t just about helping to cover funeral expenses; you may instead want to leave your family a cash gift or perhaps you have some loans or credit cards that will need paying off once you're gone. Whatever your reason, leaving a cash sum for those you leave behind is a kind thing to do
Before getting a quote you may wish to read the Over 50s information.
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Over 70s Life insurance with no medical
You may think that being over 70 means you are too old for life insurance – well you would be wrong. It stands to reason that as the UK population is living longer, more older people will be looking to protect their families with life insurance – which is where life insurance for the over 70s can help.
An Over 70s life insurance plan will generally be labelled as an Over 50s plan as that is what they are commonly known as because they generally provide life cover for those between the ages of 5 to 80.
Acceptance for these types of plan is guaranteed with no medical questions to answer as the state of your health isn’t taken into account. Having said that, if you are in good health and happy to answer health and lifestyle questions, then a regular whole of life insurance plan may provide up to 40% more cover.
The main reason people buy over 50 life insurance is to help with funeral costs, leaving a cash sum for family to help ease the financial burden of paying for a funeral.
When calculating how much life cover you need, it's worth bearing in mind that the average cost of a funeral today is £4,078, which is likely to increase with inflation over the years. The amount you are comfortable paying on a monthly basis will determine the cash sum paid out when you die, but whatever the amount, it could still help your family financially at what will undoubtedly be a very difficult time.
Our comparison table will get you started; it’s important to get a range of 50 plus insurance quotes so you can compare not only the cash sums based on your preferred monthly budget, but also the benefits so you can make a more informed choice.
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Over 50 Life Insurance Reviews
To save you time, we have reviewed the leading over 50 life insurance plans highlighting the features and benefits of each, additional options you may wish to include and things to consider before going ahead.
Regardless of whether you are 50 or looking for life insurance over 60, 70 or even 80 years old, our tables show at a glance the main features you should expect and our individual company reviews give you a more detailed insight into each plan - just click on the name of the over 50 plan provider you are interested in for more information.
| Plan Provider |
Guaranteed Acceptance |
Full cover after |
Payments payable until |
Other benefits |
|
|
Yes |
12 months |
90th birthday or max 30 years |
Funeral benefit option of £300
Unique facility if you reduce or stop
your plan can continue: see details |
|
|
Yes |
24 months |
Until you die |
Lifetime payback guarantee |
|
|
Yes |
24 months |
90th birthday |
Funeral benefit option of £250 |
|
|
Yes |
12 months |
90th birthday or max 30 years |
Accidental death cover in first year & double payout after |
|
|
Yes |
24 months |
90th birthday |
Funeral benefit option of a 10% contribution |
|
|
Yes |
24 months |
90th birthday |
Funeral benefit option of £250
Terminal & serious illness
Free support & advice |
|
|
Yes |
24 months |
Until you die |
Funeral benefit option of £300 |
Guaranteed Over 50s Life Insurance Reviews
Here are our market leading guaranteed life insurance over 50 plan reviews. To review, get a quote and compare features and prices simply click on your chosen provider.
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Regular Whole of Life Insurance Reviews
Here are our market leading regular whole of life reviews. To review, get a quote and compare features and prices simply click on your chosen provider - with these life insurance plans you don't have to be over 50.
