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Prices start from just £5 per month*
Guaranteed acceptance between ages 50-85
Guaranteed Over 50s Life Insurance works much like standard Over 50s Life Insurance — but with one key difference: acceptance is guaranteed. That means you can’t be turned down for cover, regardless of your health or medical history, dedicated to UK residents aged 50 to 85.
You’ll pay a fixed monthly premium, and your policy will pay out a tax-free lump sum when you pass away. It’s a simple, no-fuss way to make sure your loved ones receive some financial support when they need it most.
The guaranteed life insurance policy provides cover for the rest of your life until you pass away. Your family will then receive the guaranteed pay out, providing your loved ones with financial stability to cover funeral expenses or loans.
Do you have pre-existing medical condition ? Have you been experiencing difficulty securing a life insurance? Guaranteed Over 50s Life Insurance removes that concern – you’re accepted automatically, giving you peace of mind that your family will be taken care of, no matter what.
This cover is ideal if you’re over 50 and want guaranteed acceptance without health checks or medical questions. It’s especially suited to those who may have pre-existing conditions or simply want an easy, reliable way to provide a small financial gift or cover funeral costs.
Getting Life Insurance Shouldn’t Be Complicated. We’ve Made It Easy — Three Simple Steps.
Answer a few easy questions so we can find plans that match your lifestyle and needs.
A friendly expert connects with you to go over your best-fit options — clear, simple, and tailored to you.
Relax knowing your decision is 100% yours. Our help is free, confidential, and with no obligations.
We know life insurance can feel complicated, so we’re here to make things simple and stress-free. Here’s what you can expect:
Absolutely. One of our friendly experts will give you a call to answer your questions and help you explore the best options for your situation. They’ll take the time to understand your needs and assist what truly fits you and your family.
Of course. You’ll have 30 days after taking out your policy to cancel it — for any reason — with no penalties or hassle.
*From £5 per month Guaranteed Over 50 Life Insurance
is an example based on the following pricing illustrations.
£5 per month Life Insurance quoted rates are based on Guaranteed Over 50 Life Insurance Cover for a non-smoker and subject to individual status. Correct as on 4th February 2026.
| Age & Year Born | Total Cover Amount | Provider |
|---|---|---|
| 50 (born in 1976) | £1,201 | SunLife |
| 55 (born in 1971) | £1,035 | SunLife |
| 60 (born in 1966) | £929 | SunLife |
| 65 (born in 1961) | £758 | SunLife |
| 70 (born in 1956) | £576 | SunLife |
People aged 73–85 are unable to achieve cover for £5 per month due to our partner insurers’ minimum sum assureds and/or premium limits. Minimum premium examples provided below.
| Age & Year Born | Monthly Premium | Total Cover Amount | Provider |
|---|---|---|---|
| 75 (born in 1951) | £6 | £519 | SunLife |
| 80 (born in 1946) | £8 | £535 | SunLife |
| 85 (born in 1941) | £11 | £510 | SunLife |
*From £10 per month Guaranteed Over 50 Life Insurance
is an example based on the following pricing illustrations.
£10 per month Life Insurance quoted rates are based on Guaranteed Over 50 Life Insurance Cover for a non-smoker and subject to individual status. Correct as on 4th February 2026.
| Age & Year Born | Total Cover Amount | Provider |
|---|---|---|
| 50 (born in 1976) | £3,101 | One Family |
| 55 (born in 1971) | £2,554 | One Family |
| 60 (born in 1966) | £2,214 | One Family |
| 65 (born in 1961) | £1,760 | One Family |
| 70 (born in 1956) | £1,325 | SunLife |
| 75 (born in 1951) | £946 | SunLife |
| 80 (born in 1946) | £688 | SunLife |
People aged 85 are unable to achieve cover for £10 per month due to our partner insurers’ minimum sum assureds and/or premium limits. Minimum premium examples provided below.
| Age & Year Born | Monthly Premium | Total Cover Amount | Provider |
|---|---|---|---|
| 85 (born in 1941) | £11 | £510 | SunLife |