Qualifying for over 50s life insurance is quite simple – as long as you’re between the ages of 50 and 85, of course. Unlike many other types of life insurance, your health status won’t be questioned during an over 50s life cover application, and you won’t be required to take a medical either!

You can generally expect your monthly payments to be fixed premiums, meaning that your payments aren’t affected by inflation and are easier to budget for. However, premiums are typically higher than those for traditional life insurance policies. Yet, the cover is often more affordable for people who don’t qualify for other types of insurance due to their age or health status.

Whilst there are many benefits to over 50s life cover, they don’t necessarily work for everyone. Our role as insurance brokers is to make sure that you have the right protection in place for you and your family – that includes advising on whether your circumstances would benefit more from an over 50 life insurance plan or a regular life insurance policy.

Our experts will explain our recommendations and give you everything you need to know to make an informed decision.