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Life Insurance Rates By Age

Interested in finding out how much you can expect to pay for life insurance at your age? Take a look at The Insurance Surgery’s life insurance rates by age here.

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What Age Should You Get Life Insurance?

Whilst there is no ‘right age’ to get life insurance, finding a policy is more likely to be straightforward and cheaper the younger you are. This isn’t to say that people of an older age will not be able to find affordable coverage that best suits their circumstances but many people tend to seek out life insurance when they start their family or buy a home. 

At The Insurance Surgery, we appreciate that everyone’s timelines are different and are keen to support a variety of age groups in finding the best insurance policies for them. So, let’s discuss life insurance rates by age and give you an idea of how much your premiums may cost.

Life Insurance Rates by Age

Over 40s Life Insurance

As an over 40, you can rest assured that you’re still considered a young adult in the insurance world, meaning potentially cheaper premiums, depending on other factors. Getting life insurance over 40 is a great time to qualify for an affordable whole-of-life policy.

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Over 50s Life Insurance

With cover available up to £40,000, over 50s life insurance is available to those between the ages of 50 and 85. Unlike many other policies, over 50 life insurance doesn’t require a medical or health-related questions.

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Over 60s Life Insurance

Just because your whole of life insurance or term life insurance applications have been rejected in the past doesn’t mean that life insurance for over 60s isn’t available! It’s never too late to take out a life insurance policy, so get a quote today.

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Over 70s Life Insurance

Like over 60s life insurance, insurers are aware that health risks are common in this age group, which is why securing over 70s life insurance doesn’t require medical examinations. Whilst premiums may be more costly at this age, they may be worth paying if it means the protection of your family’s finances.

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You should consider life insurance if you have…

Dependants, like school-age children.

A partner who relies on your income.

A family living in a mortgaged or rented home.

In the event of your passing, a life insurance policy can provide financial support for your loved ones. You could also consider funeral cover, which pays for funeral expenses – easing the burden on your family during a difficult time.

However, you should check if you’re already covered through your employer’s benefits package, which often includes ‘death in service benefits’ linked to your salary. If so, you might not require an additional policy, BUT keep in mind that leaving your job or being made redundant could leave you without any cover!

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  • 15 Minute Read Time

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Read More

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.
Read More

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

30%

of people get life insurance due to becoming a parents

Forbes Advisor, 2025

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Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

What age does life insurance expire?

The expiry date of your life insurance coverage ultimately depends on your policy agreement. Whole of life insurance policies can last until you die, whereas there are a range of term life insurance policies that only cover a set period of time.

Absolutely. Whilst you may have been rejected before, The Insurance Surgery has 25 years of experience in helping people find suitable insurance policies for their needs. So, if you feel that life insurance may help your beneficiaries, don’t hesitate to get in touch with us, regardless of your age.

Yes, life insurance is still available to older age groups. Depending on your health and the age at which you signed your policy agreement, it may be slightly more expensive, but you can still get the financial protection that you’re looking for.

The cost of your life insurance policy can depend on a number of factors, such as your medical history, occupation, smoking history, and more. Past the age of 60, however, insurers are aware that potential policyholders may not be in perfect health, so they may charge more for protection. Get in touch with one of our experts today to get a clearer understanding of costs. 

Regardless of your age, The Insurance Surgery is here to help you find policies that meet your insurance requirements. Our experts can advise you on what kind of insurance would best benefit you and whether you even need cover to begin with.

With 25 years of experience behind us, we’re confident that we can secure the best policies for a selection of age groups, so get in touch for free advice today.

Life insurance is unique – just like you.

Life Insurance for Parents

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Life Insurance for Dads

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Life Insurance for Sports & Hobbies​

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Life Insurance for Self-Employed

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Income Protection

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Life Insurance for Smokers

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For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.
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Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829
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Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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