Considering life cover in later life

For many people in their 50s, 60s and 70s, life insurance is less about replacing a salary and more about leaving some financial support behind for the people who matter most. A later-life policy can be one way to provide that support, subject to the policy conditions and ongoing premiums.

This page is intended for UK residents aged 50–80 who want to review life cover. You can visit the external quote service to check its current eligibility criteria, cover, premiums and policy terms. The exact product terms are set by the insurance provider, so it is important to read them before deciding whether a policy suits your circumstances.

What to look for in an over-50s policy

Later-life cover is designed around a different stage of life. Rather than focusing only on the headline benefit, it is worth checking how the monthly premium works, when cover begins, whether any waiting period applies and what happens if premiums stop.

✓Age-specific eligibility: check the provider’s current age and residency requirements before applying.

✓Clear monthly cost: review the premium shown to you before taking out cover.

✓Defined benefit: check the lump-sum amount and the circumstances in which it is payable.

✓Policy conditions: read the provider's waiting periods, exclusions and cancellation terms carefully.

Who is this page for?

This advertorial is aimed at individuals who live in the United Kingdom and are between 50 and 80 years old. Additional eligibility or acceptance conditions may apply depending on the provider and product shown after you continue.

Important things to consider

  • Depending on how long you pay premiums, the total paid could exceed the eventual payout.
  • Inflation can reduce the buying power of a fixed payout.
  • A waiting period may limit the benefit payable for death from natural causes.
  • If you stop paying required premiums, cover may end and you may receive nothing back.

These are general considerations; the terms of the policy you choose determine what applies. See MoneyHelper’s guide to over-50s life insurance for independent guidance. This reference does not imply an endorsement of this website or the quote service.

Review the external quote service

The button below opens uk.guaranteed.overfifties.co.uk. Check the provider’s details, eligibility criteria and privacy notice there before entering your information.

Any quote or cover depends on the provider’s terms. Visiting this page does not start an insurance policy or authorise a payment. Before buying cover, check the premium, payment frequency, how long payments continue, any waiting period and how to cancel.

Continue to quote site