What is an over 50s plan?
Over 50s life insurance (also called an over 50s plan or guaranteed acceptance plan) is a whole of life policy available to UK residents aged 50–85 with no medical questions required. Everyone is accepted regardless of their health history.
How much cover can I get?
Cover amounts are typically modest — from £1,000 up to £20,000–£25,000 depending on age and the monthly premium you choose. These plans are designed to cover funeral costs or leave a small gift, not to replace significant income or clear a large mortgage.
Who is it for?
- Those who cannot get standard medically underwritten life insurance due to health
- Those who want to cover funeral costs
- Those wanting to leave a small guaranteed legacy
Compare before you buy
Premiums and cover levels vary significantly between providers. Aviva, Legal & General, SunLife, and Post Office all offer over 50s plans — always compare before committing.
Frequently Asked Questions
No — guaranteed acceptance plans ask no medical questions. Everyone aged 50–85 is accepted regardless of health.
Most plans have a 1–2 year waiting period. If you die from illness in this period, premiums are returned rather than the full sum assured paid.