1. Insurance
2. Over 50 Life Insurance
Our Over 50 Life Insurance is 5 Star Defaqto rated cover with a £120 welcome gift card when you take out cover. T&C's apply.

Over 50 Life
Insurance

  • Guaranteed acceptance*
  • 100% of claims paid
  • 5 Star Defaqto rated cover
Over 50s Plan Details
Trustpilot
Trustpilot
Our Over 50 Life Insurance product has an 'Excellent' star label with ratings of 4.7 stars out of 5. Read reviews from customers like you.

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 that 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.

This page was last reviewed by our expert Lisa Redman on 4 March 2025.

Benefits of Over 50 Life Insurance

*Guaranteed acceptance and no medical

For UK residents aged 50-80. Full cover after one year.

Loved ones receive a payout when you die

Fixed premiums from £5 a month

Premium is dependent on your age and smoker status.

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

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

Get a free quote online

Call us free on: 0800 316 8539

8:30am to 8pm Monday to Friday
9am to 1pm Saturday

We may record and monitor calls

Over 50s Life Insurance welcome gift card

Receive a £120 gift card after you take out cover.

Restrictions apply - www.amazon.co.uk/gc-legal

Read the gift card T&C's

Over 50 Life Insurance cover details

Over 50 Life Insurance - at a glance

  1. 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.
  2. 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.
  3. 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.
  4. Your premiums won’t go up once you’ve taken out Over 50s Fixed Life Insurance.
  5. Your cover will continue for the rest of your life, even though you stop paying premiums at age 90.
  6. 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.

pdf - 107.78 KB

Policy Summary

pdf - 135.21 KB

Policy Terms and Conditions

Why get Over 50 Life Insurance with L&G?

We've been protecting families for over 185 years and our customers can trust us to provide expert cover and supporting benefits.

Defaqto 5 Star Rated

5 Star Defaqto rated cover, the highest rating possible!

100% of claims paid

Most in 1 day.

Wellbeing Support

We've partnered with RedArc Assured Limited to bring you our Wellbeing Support service. Offering phone-based services to support your mental health and wellbeing.

Care Concierge

Free access to our team of Care Experts, this confidential and impartial service can help you or loved ones navigate adult and later life care. Find out more. 

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 £20 a month. 

Age when cover starts Cash sum
50 year old £6,044
60 year old £4,766
70 year old £2,948
80 year old £1,508


These life insurance over 50 quotes were taken from legalandgeneral.com on 04 March 2025. As at this time the average monthly premium our customers paid over the last 6 months was £24.45.

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.

Get a quick quote online

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?

Over 50 Life Insurance - Get a free quote

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: Legal & General research, September 2024

A guide to funeral costs in the UK

Funeral Benefit Option

Like the sound of an extra £250 towards funeral costs? And for someone else to sort out the funeral arrangements?

We've partnered with Dignity Funerals Limited to offer you the Funeral Benefit Option.

  • Add it to your Over 50s Fixed Life Insurance once you've taken out the plan for no additional cost.
  • When a claim is made, we will pay your cash sum directly to Dignity Funerals Limited and a Dignity Funeral Director will take care of your funeral arrangements. Dignity will contribute £250 towards your funeral costs. 
Funeral Benefit Option

Wellbeing Support service

We know that the pressures of everyday life can sometimes be stressful, and can impact your wellbeing in lots of ways. From day one of your policy you'll have access to our dedicated Wellbeing Support service.

 

  • Dedicated support and help from a dedicated nurse can range from a reassuring chat, information, advice and guidance, to a clinical assessment and organising additional services.
  • Day one support. Support is included as standard from day one of your policy for you or your immediate family living at home.
  • Get the help you need. You don't need to claim on your policy, you can simply get in touch with your nurse directly.
Wellbeing Support

Care Concierge

Care Concierge is 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.

 

  • Free access to our friendly team of Care Experts, this confidential and impartial telephone advisory service can help you or loved ones navigate adult and later life care.
  • 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.
Care Concierge

Our Over 50 Life Insurance claims process

Grandfather and granddaughter

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.

How to make a claim
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. 

Premiums and payouts

Over 50 life insurance articles and guides

Grandparents with grandchildren

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

Read our articles and guides
Senior woman waving at laptop

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.

Find out about Over 50 Life Insurance costs
Grandfather's birthday

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.

Find out how to put your policy in trust

Ready to get an Over 50s Life Insurance quote?

Please read the cover details before you apply.

Get a free quote

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 March 2025,189 customers have rated our Over 50s Life Insurance giving the product an average star rating of 4.7 out of 5 on Trustpilot. The score of 4.7 corresponds to the star label 'Excellent'.

Trustpilot

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Reviewed by our expert
Lisa Redman

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