Over 50s Life Insurance

All plans offer guaranteed acceptance & most come with a free gift; read our helpful guide to find out what to look our for.

sun life free gift

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What is Over 50s life cover?

Over 50 Life Insurance provides cover for the whole of your life, paying out a cash lump sum when you die that can be used to:

  • Help with funeral costs
  • Leave as a gift to family
  • Pay off outstanding loans, bills or debts 

As the majority of families use the money as an affordable way to help with funeral costs, over 50s life cover is frequently also referred to as funeral insurance.

In addition to helping with funeral costs, people are also attracted to over 50 life cover because your acceptance is guaranteed, which simply means the state of your health doesn’t matter; you will be covered regardless with no medical questions asked.

over 50 plan

How does funeral insurance work?

Funeral Insurance is straightforward and easy to arrange however there are some important points that you need to be aware of:

  • Premiums start from as little as £3.70 a month depending on the insurer you choose and payable either for life or until you are 90; therefore it’s important to choose a premium you are comfortable with. 
  • As mentioned this type of funeral insurance comes with guaranteed acceptance, so it doesn’t matter whether you are in poor health. You will be accepted as long as you live in the UK and are between the ages of 50 to 85*
  • You are covered for the full cash sum after just 1 or 2 years; so if anything happens to you after this time, the full cash sum will be paid out to your family
  • Depending on how long you live, there is a chance you could pay more into the plan than the cash sum paid out and remember that the money paid out is a fixed amount, so inflation will reduce its value over time
  • Most over 50s life cover providers also offer a free funeral benefit option that provides extra cover, usually around £250 to £300 if you agree for the cash sum to be paid directly to a specific funeral director, e.g. a Dignity or Co op funeral directors
  • You will see many companies advertising Over 50 life insurance with free gift – usually a voucher of some kind or free monthly payments. Whilst the idea of choosing an over 50 plan with a free gift may be appealing, be careful to choose the plan you want based on the cover and terms and conditions, not because it offers the best free gift.

Can I get over 60 life insurance?

In a word ‘yes’ you can get over 60 life insurance or even over 70s but in truth the plans are exactly the same as an Over 50 plan or so called funeral insurance. Basically you will be accepted as long as you are between the ages of 50 to 85* but the amount of cover available to you will vary depending on your age. 

If you are over 60 and looking for insurance than this type of plan may appeal, especially if you have health concerns that you think may be problematic when choosing cover. The good news with this type of Over 60 life insurance is that acceptance is completely guaranteed, so the state of your health really doesn’t matter. You will be accepted with no questions asked. 

It is important to think about what you want the cover for and how much you are comfortable paying on a monthly basis. Then take time to compare over 60 life insurance plans so you choose a policy that gives you the right level of cover with terms and conditions you are happy with.



sunlife plan

Which is the best Over fifty life insurance plan? 

Having compared the over 50s life insurance market, we have chosen to work with SunLife, the UKs most popular provider. They have more than 200 years experience, were first company to offer life insurance without a medical and have over 776,000 customers. 

SunLife is rated a Gold Trusted Service Provider by Feefo, the independent global review company and offers the lowest monthly premiums, which makes the SunLife Over 50 Plan the most affordable on the market. 

Their funeral benefit option is free and if chosen, provides an extra £250 towards funeral costs with a Dignity funeral director and SunLife currently offer their Over fifty life insurance with a free £100 gift card.

If you prefer a plan that let's you pay and arrange your funeral service in advance, see our compare funeral plans section for more information.

Most popular asked over fifty life insurance questions & answers

Yes, your acceptance is guaranteed regardless of your health or lifestyle; this is no medical life insurance so no questions are asked when you apply, therefore you are covered regardless of the state of your health.

sun life over 50 life insurance with free gift