British Seniors Over 50s Life Insurance Review

Updated 3rd May 2022
  • Affordable cover from £4.32 a month
  • Full cover after the first 12 months
  • Free Will Kit worth £100 – with every policy purchased
  • A £100 M&S Gift Card* – Free when you take out a plan

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British Seniors life insurance for the over 50s

British Seniors life insurance for over 50s is affordable, simple to arrange and covers you for the whole of your life. Policies start from as little as £4.32 a month, just 15p a day† and acceptance is guaranteed, regardless of your health and lifestyle.

british seniors life insurance reviewsBritish Seniors® are a Feefo Platinum Trusted Service Provider, based on independent customer reviews, having achieved a Gold rating three years in a row. This means that British Seniors are recognised as a company that provides excellent and trustworthy customer service.

Chosen by 1000s of people across Britain, it’s simple and easy to apply for a policy with British Seniors.

Unlike some other plans, the British Seniors over 50s life insurance offers free cover after age 95; – from the policy anniversary following your 95th birthday, premiums are no longer payable, and your cover continues for life. 

Key features of British Seniors over 50s life insurance

  • You're guaranteed to be accepted – as long as you’re a UK resident aged 50-80
  • Immediate cover - for accidental death, plus death by any cause after 12 months
  • Choice of benefit amount from £1,000 up to £10,000 – depending on your age
  • Fast payout – British Seniors aim to approve claims within days of receiving them
  • No medical and health or medical questions to answer
  • Guaranteed no increases – the amount you pay will never increase, unless you choose the increasing benefit option to help protect your policy from the effects of inflation
  • Accidental death benefit will pay twice the cash sum
  • Free £100 M&S voucher* when you buy a policy

Free £300 Funeral Benefit Option

British Seniors in partnership with Golden Charter offer a free funeral benefit option with their plan. If you choose this option, your cash sum will be paid directly to Golden Charter to help pay for the services of one of their funeral directors who is local to you. In return a contribution of £300 will be paid towards the cost of your funeral services. If you choose an unattended cremation, please note that the £300 contribution will not apply~.

Golden Charter is a leading funeral planning company that has the largest nationwide network of independent funeral directors. 

Things to consider:

  • Inflation may reduce value of cover. If you choose the Increasing Benefit Option this can help to protect your policy from the effects of inflation.
  • You may pay in more than we pay out
  • This policy has no cash in value

How much benefit does British Seniors provide in the event of death?

British Seniors life insurance provides between £1,000 to £10,000 of cover. The benefit paid out depends on your age and chosen monthly premium. You are fully covered after an initial period of 12 months however if you die in an accident, you’re covered immediately and your benefit is doubled.

Here are the maximum benefit levels by age. To find out how much British Seniors life insurance you could, use the get a quote button.

The maximum level of cover is as follows:

Age at start date

Maximum benefit amount

50 - 69


70 - 74


75 - 80


british seniors insurance

Who owns British Seniors?

British Seniors Insurance Agency is owned by global specialist insurer Neilson Financial Services Limited. They are authorised and regulated by the Financial Conduct Authority and all of British Seniors life insurance policies are underwritten and administered by AIG Life Limited. 

How to get a British Seniors Over 50s life insurance quote

You can visit the British Seniors Over 50 life Insurance website for more information or you can compare some main features on our site to see how they compare to the other leading over 50 life insurance companies.

*Gift Card Terms and Conditions: British Seniors will aim to send the gift card after receiving your sixth successful monthly premium and when total premiums paid exceeds the gift card value. There is a limit of one gift card per policy sold. Please allow time for delivery. No cash alternative will be offered. Available to new customers only.

For 50 year old non-smoker with £1,000 of cover.

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~An unattended cremation means any cremation where there is no funeral service, funeral procession (or other services such as family viewing, limousine(s), embalming or delivery of ashes). The cremation is arranged at a crematorium at a date and time chosen by the allcoated funeral director and without anyone attending other than the funeral director’s staff

british seniors life insurance 

British Seniors

From £4.32 a month

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Free Will Kit worth £100 – with every policy purchased


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Our trusted partners

First Choice Health
Distinct Cremations
Age Partnership
Golden Leaves Funeral Plans