Can you get critical illness cover at 50+?
Yes — most UK insurers offer critical illness cover to people in their 50s, though premiums are higher than for younger applicants. The maximum age for new CIC policies varies by insurer — typically 65–70. Getting cover while you can is important, as pre-existing conditions make it harder with each passing year.
How much does CIC cost in your 50s?
A healthy 52-year-old non-smoker might pay £80–£150/month for £100,000 of critical illness cover over a 10-year term. Premiums depend heavily on health, smoking status, and the specific conditions covered.
What conditions are most relevant in your 50s?
Cancer is the most commonly claimed condition across all ages. In your 50s, heart attack, stroke, and prostate or breast cancer become increasingly important to have covered. Ensure any policy you consider includes these conditions with clear, broad definitions.
CIC vs income protection in your 50s
If you're still working and a serious illness would prevent you from working for an extended period, income protection may also be worth considering alongside CIC. Each product serves a different purpose.
Frequently Asked Questions
Most insurers stop issuing new CIC policies at age 65–70. It's important to arrange cover before this limit if you want protection.
Possibly — it depends on the condition and how well it is managed. An independent broker can search across multiple insurers to find the best terms.