Do I need an over 50s life insurance plan?

There are certain circumstances where getting over 50s life insurance is something you might want to consider. For example: You want to put some money towards your funeral costs. You want to contribute towards paying off outstanding debts when you pass away. You want to leave a small gift for your loved ones. You don’t already have life insurance that covers you for the rest of your life and this type of cover could benefit you. If any of the above apply to you, taking out a policy could help you meet those needs. It will be your own personal circumstances that will determine if over 50s life cover is the right option for you. There are many types of life insurance , so it is worth taking some time to research.

Over 50 Life Insurance

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L&G Over 50 Life Insurance has an 'Excellent' star rating of 4.7/5 stars. Read our customer reviews.

Reviewed by Lisa Redman on 08 June 2026.

What is Over 50 Life Insurance?

Over 50 Life Insurance is a type of ‘Whole of life’ cover that can be taken out if you’re aged between 50 and 80. There's no medical and you pay a chosen monthly premium, which will never go up. Cover will last as long as you live and when you pass away this could be used to leave some money for your loved ones, help settle any unpaid bills or put towards the cost of a funeral.

Getting an Over 50s Life Insurance quote is quick and easy

Call us free on: 0800 316 8539

8.30am to 8pm Monday to Friday
9am to 1pm Saturday

We may record and monitor calls

How does Over 50 Life Insurance work?

Whether you're over 50, 60 or 70, over 50s life cover is simple. Get a quote for life cover over 50 in 2 minutes. Our quick and easy online quote tool can show you how much Over 50s Life Insurance costs for a range of cover.

Choose the cover you need

You choose a premium you want to pay and can afford each month, to provide a cash sum payout that meets your needs.

Fixed premiums from £5 a month

Once you've taken out cover your monthy payments and cover amount will never rise. So it's a little easier to budget. You stop paying premiums at age 90, but your cover lasts for as long as you live.

Premium is dependent on your age and smoker status.

100% of claims paid

When you pass on, we will payout the cash sum on a valid claim. Your loved ones could use this cash sum to help at a difficult time.

Over 50 Life Insurance cover details

What's covered

Premiums from £5 to £75 a month, depending on your age and smoker status. Choose a premium you can afford to give a cash sum that meets your needs.
Full cover payable after just one year. If you pass away within the first year, we will refund any premiums paid. However, if you die as a result of an accident then full cover will be paid.
*Guaranteed acceptance with no medical for UK residents aged 50-80. There may be other products available if you want to answer further lifestyle and medical questions.
Your premiums won’t go up once you’ve taken out Over 50s Fixed Life Insurance.
Your cover will continue for the rest of your life, even though you stop paying premiums at age 90.
Flexibility to reduce your premiums if you’ve had your plan for a year and your circumstances have changed. The minimum premium applies.

Things you need to know

Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
This is not a savings or investment product and has no cash value unless a valid claim is made.
If you stop paying premiums when due, your plan will be cancelled and you won't get anything back.
The cash sum is fixed, so inflation will reduce it's buying power in the future.
Over 50s Fixed Life Insurance is not designed to meet the full costs of a funeral, and does not guarantee to do so.
If you choose to reduce your premiums, your cash sum will also be reduced.

Please read the key documents before you apply.

If you are an existing customer please refer to your policy documents for details of your cover.

Why get Over 50 Life Insurance with L&G?

We've been protecting families for 190 years, so when taking out Over 50s Life Insurance it really pays to go with experts you can trust.

£120 welcome gift card after you take out cover

Restrictions apply - Read more on Amazon

Over 50s Life Insurance welcome gift card

Wellbeing Support: practical and emotional help at no extra cost

You and your immediate family will get access to Wellbeing Support when you take out Over 50s Life Insurance with us, thanks to our partnership with RedArc Assured Ltd.

This connects you with experienced, registered nurses who can offer a wide range of phone-based wellbeing support - from a reassuring conversation and practical advice to clinical assessments and help arrange further services.

Here's a few examples of how they could support you:

Bereavement counselling or therapy
Physiotherapy after injury
Help with managing serious or chronic illness

Free access to our team of Care Experts

Care Concierge is a personal service to help understand and find adult and later life care. There's a lot to consider when looking for care, and it's important that you or your loved one get the support they need.

Available to the policyholder, their partner, children and parents.
Tailored 1:1 impartial advice. Our Care Concierge team have extensive knowledge of the care industry and are completely impartial, allowing you to make an informed decision on the care option that is right for you.

How much Over 50 Life Insurance can you get?

Below you can compare how much over 50s life cover our customers can access based on real life examples. This is based on customers who don't smoke and pay £25 a month.

Age when cover starts	Cash sum
50 year old	£7,643
60 year old	£6,046
70 year old	£3,701
80 year old	£1,893

These life insurance over 50 quotes were taken from legalandgeneral.com on 08 June 2026. As at this time the average monthly premium our customers paid over the last 6 months was £26.99.

You can get your own personalised life insurance over 50 quote if you give us some details about you and the amount you wish to pay. It’s important to think about the cash sum you want to leave behind as well as the premium you can afford.

Are you eligible for Over 50 Life Insurance?

We guarantee to accept you without any medical questions if:

you’re aged 50 to 80 and
you’re a UK resident and reside in the UK and have spent at least 183 days in the UK in the last tax year.

You can have multiple Over 50s Life Insurance policies with us as long as the total cash sum is not more than £10,000.

Help towards your funeral costs

Funeral costs haven't been getting any cheaper. In fact, the average cost of a funeral in the UK in 2024 was £4,706. Take a look at our guide on average UK funeral costs in your region.

Source: L&G research, September 2024

Over 50 Life Insurance FAQs

Over 50s life cover is a type of life insurance that can be taken out if you’re aged between 50 and 80. You pay monthly premiums, and as long as you’ve paid premiums when due, when you pass away your loved ones will receive a cash sum.

Our Over 50s Fixed Life Insurance is for UK residents aged 50 - 80, to provide your family with a cash sum after you die, to help contribute towards funeral costs or to leave as a gift. It only takes a few minutes to get cover, leaving you plenty of time to get back to doing what you love.

Over 50s Fixed Life Insurance plan offers guaranteed acceptance with no medical for UK residents aged 50-80. Full cover is payable after just 1 year.

There may be other products available if you want to answer further lifestyle and medical questions. It's worth considering which type of life insurance is right for you. Some could give you more protection for the same price.

There are certain circumstances where getting over 50s life insurance is something you might want to consider. For example:

You want to put some money towards your funeral costs.
You want to contribute towards paying off outstanding debts when you pass away.
You want to leave a small gift for your loved ones.
You don’t already have life insurance that covers you for the rest of your life and this type of cover could benefit you.
If any of the above apply to you, taking out a policy could help you meet those needs.

It will be your own personal circumstances that will determine if over 50s life cover is the right option for you. There are many types of life insurance, so it is worth taking some time to research.

Is over 50s life insurance worth it?

Your partner can also apply for a plan providing they are aged 50 to 80 and a UK resident and reside in the UK for at least 183 days per calendar year. However, as the plans are set up individually, they cannot be held in joint names.

Our Over 50s Fixed Life Insurance is not a savings or investment product and has no cash value unless a valid claim is made.

You can have more than one Over 50s Life Insurance plan with us, so long as the total cash sum value for all plans when added together is not greater than £10,000. If you have a plan taken out on or before 25 November 2017, please refer to your Policy Terms & Conditions for your total cash sum.

In the event of a claim, please call or write to us. Read more about our claims process.

View all FAQs

Ready to get a free Over 50 Life Insurance quote?

Our Over 50 Life Insurance claims process

Making a claim

Our experienced claims handlers are trained by the Samaritans and will be there to talk to your loved ones and take the pressure off during this difficult time.

Making a claim is simple and our staff will do everything they can to make sure things run smoothly.

Senior couple with grandchild under umbrella

Over 50s Life Insurance pay-out process

In this helpful guide we explain what to expect from an Over 50s Life Insurance claim and a step by step guide to our claims process and how the cash sum is received.

Over 50 life insurance articles and guides

Articles and guides

Read our articles and guides on life after 50. From funeral planning and will writing to dating and travelling we've got you covered

How much does Over 50s Life Insurance cost?

To help you get a better idea of how Over 50s Life Insurance could work for you, we've created some examples of how much a plan might pay out depending on your personal circumstances.

Putting a policy in trust

After taking out Over 50s Fixed Life Insurance you may want to place it in trust to help make sure the right people receive the benefit of your plan quickly, without the need for lengthy legal processes.

Ready to get an Over 50s Life Insurance quote?

Please read the cover details before you apply.

Call our UK team on:

0800 316 8539

Opening hours:
Monday to Friday 8:30am - 8pm.
Saturday 9am -1pm.

We may record and monitor calls.

Our Over 50 Life Insurance product reviews

As of 08 June 2026, 229 customers have given our Over 50s Life Insurance an average star rating of 4.7 out of 5 on Trustpilot. The score of 4.7 corresponds to the star label 'Excellent'.

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Lisa Redman

Senior Propositions Manager, Retail Protection

Lisa works in UK Retail Protection Proposition Development team and is responsible for identifying and assessing new product and proposition enhancements to meet customer needs, with a strong emphasis on regulatory compliance ensuring all required governance is completed.

More about Lisa

Over 50 LifeInsurance