Is CIC available in your 60s?
Yes — most UK insurers will offer new critical illness policies to people in their early 60s, though the maximum entry age varies (typically 64–70). At 60+, premiums are significantly higher than in younger age groups, and terms are shorter (often 5–15 years rather than 20–30).
Why take out CIC in your 60s?
- You may still have an outstanding mortgage
- Private medical treatment for cancer, heart attack, or stroke can be very costly
- You may want to preserve retirement savings rather than depleting them during a long illness
- A surviving spouse may depend on your income or pension
What level of cover makes sense at 60+?
At this age, the priority is usually the mortgage (if any), private healthcare costs, and protecting retirement savings. A sum assured of £100,000–£200,000 is common for people in their 60s, depending on specific financial commitments.
Key things to compare
- Maximum entry age and policy term available
- Number and quality of conditions covered
- Whether the premium is guaranteed or reviewable
- Any age-related exclusions or restrictions
Frequently Asked Questions
Most UK insurers stop accepting new CIC applications at age 65–70. Existing policies can continue beyond this age if in force.
For most people at 62 who still have financial commitments — particularly a mortgage or dependants — CIC still offers significant value. Get quotes and weigh the cost against the financial protection provided.