Quick answer · Updated August 2026
Over-50s guaranteed-acceptance plans start from £4/month (SunLife) and £4.50/month (Legal & General). At £20/month, a healthy 60-year-old non-smoker locks in roughly £6,000–£6,600 of cover; at 70, roughly £4,100–£4,600. Underwritten term cover — if your health allows — typically buys 3–5× more per pound. A personalised quote takes 60 seconds.
Quote Ranges by Age (August 2026)
| Age | Guaranteed plan: cover for £20/mo | Underwritten term: £100k, 15yr from |
|---|---|---|
| 50 | ~£8,000–£9,000 | ~£14–22/mo |
| 60 | ~£6,000–£6,600 | ~£30–45/mo |
| 70 | ~£4,100–£4,600 | ~£70–110/mo |
| 80 | ~£2,600–£3,000 | rarely available |
Illustrative non-smoker figures from published plan examples and panel pricing, August 2026. Smokers receive roughly 20–30% less cover per pound on guaranteed plans.
The Four Things That Move Your Quote
- Age on the day you apply — guaranteed-plan cover-per-pound falls every birthday; quotes locked today never rise.
- Smoker status — the only health question guaranteed plans ask.
- Guaranteed vs underwritten — if you can pass basic underwriting, term or whole-of-life cover typically buys 3–5× more per pound.
- Provider — payout caps range £10,000 (British Seniors) to £20,000 (L&G, Aviva); SunLife caps at £18,000 with premiums capped at £100/month.
Full plan-by-plan detail on our over-50s comparison hub and SunLife review.
Frequently Asked Questions
From £4/month (SunLife) or £4.50/month (Legal & General) at the minimum tier. Most buyers pay £10–£30/month; premiums are fixed for life and typically stop at age 90–95 depending on provider.
Yes — guaranteed-acceptance plans (ages roughly 50–85) ask no health questions except smoker status. The trade-off is a 12–24 month waiting period for non-accidental death and lower cover per pound than underwritten policies.
For guaranteed plans, yes — price depends only on age and smoker status, so the quote is exact. For underwritten cover, the online figure is indicative until health details are assessed.