Compare Life Insurance
Complete a short form to compare the leading life insurance providers. We search the whole market so you don't have to.
 Life Cover TypeAgeMaximum 
Max New CoverCover ExpiresAmountTerm
Sun Life
Life Insurance
Over 50's Life Cover
85
years
Unlimited£25,000Unlimited
Aged 50-85 and a UK resident? You're guaranteed to be accepted and with no medical. Cash sum paid out on death after 2 years. No fuss life cover from Sun life Direct.
Engage Mutual Assurance
 
Life Insurance
Non Profit Whole of Life Plan
80
years
Unlimited
up to
£37,901
Unlimited
Engage Mutual's Over 50's life cover plus provides one of the most comprehensive policies in the market as indicated by a 5 star Defaqto rating. Guaranteed acceptance without a medical, and includes serious & terminal illness benefit at no extra cost.
LV=
Life Insurance
varies
up to
84
years
up to
Unlimited
up to
Unlimited
up to
Unlimited
Saga
Life Insurance
varies
up to
80
years
up to
Unlimited
Unlimited
up to
40
years
Standard Life
Life Insurance
Decreasing Term Life Assurance
69
years
84
years
£500,000
45
years
Tel 0131 5169070 0131 5169070
Sainsbury's Bank
 
Life Insurance
varies
up to
77
years
79
years
Unlimited
40
years
Sainsbury's Life Insurance, provided by Legal & General, starts from £5 per month.
Legal & General
Life Insurance
varies
up to
77
years
80
years
Unlimited
40
years
Legal & General offer life insurance from just £6 per month.
Tesco Bank
Life Insurance
varies
up to
85
years
up to
90
years
up to
£9,999,999
up to
50
years
or to age 90
Tesco Bank Life Insurance is provided by Aviva Life & Pensions UK Limited.
MORE TH>N
Life Insurance
Level Term Life Insurance
79
years
varies
---
---
You could pay as little as £5 a month (£5 monthly premium is based on a non smoker born on 01/01/1985 for £60,000 Level Term Life Insurance for a 20 year term. Source - Direct Life 28/08/2014).
Post Office
Life Insurance
varies
up to
80
years
up to
Unlimited
up to
£500,000
up to
51
years
Over 50's life cover option available.
Debenhams
Life Insurance
varies
85
years
90
years
varies
50
years
Receive a £50 Debenhams giftcard when you take out a life insurance policy. Terms and conditions apply
Reader's Digest
Life Insurance
Non Profit Whole of Life Plans
80
years
Unlimited£25,000Unlimited
AA
Life Insurance
varies
up to
77
years
79
years
Unlimited
40
years
AEGON
Life Insurance
varies
up to
83
years
up to
84
years
Unlimited
50
years
Ageas
Life Insurance
varies
up to
86
years
up to
89
years
Unlimited
up to
70
years
Asda Money
Life Insurance
Level Term Life Assurance
80
years
Unlimited£25,000Unlimited
Aviva
Life Insurance
varies
up to
89
years
up to
90
years
up to
Unlimited
up to
51
years
Barclays
Life Insurance
varies
68
years
up to
70
years
up to
£500,000
up to
51
years
Bright Grey
Life Insurance
varies
up to
83
years
up to
84
years
£10,000,000
40
years
Canada Life Ltd
Life Insurance
Non Profit Whole of Life Plans
74
years
---
Unlimited
---
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Find the Best Over 65 Life Insurance

You can still get life insurance for over 65s, and it can be vital in making sure your dependants are covered financially. We look at how to find the best policy.

Happy Older Couple

What is life insurance for?

A life insurance policy can help to protect your family and loved ones who depend on your income after you die.

Their payouts can be used to pay off outstanding loans and mortgages, provide a cash lump sum or pay for your funeral costs.

Insurers see those over 65 as riskier to insure, but as people work longer and have become more reliant on credit later in life, the choice of policies has got better to match this.

Choosing the right type of life policy

It's important to work out which British seniors' insurance type you need before you try to find your policy.

Life insurance

A life insurance policy will have a limited term and only pays out if you die while it's still running.

It can be used to cover a mortgage, a loan or a credit card balance, paying the amount owed off if you die before it's repaid.

Level term life insurance will pay out a set amount if you die while the policy is active. This means that your family could receive more than the amount needed to pay off the loan, but premiums for this type of policy tend to cost more.

Decreasing term life insurance offers a payout amount that will reduce over the course of the policy in line with the amount left to pay on your loan or mortgage.

Life assurance

A life assurance policy is a more expensive option as it continues until your death; at this point it pays out a sum to your beneficiaries.

It works like an investment product in that your premiums are used to buy shares, bonds and cash investments. This means that how well it performs will affect how much will be paid out for most policies; others will instead be for a set amount or will specify a minimum payout.

What's included - and what isn't?

Some policies impose restrictions on when a policy will be able to pay out, such as if you die within 12 months of taking the policy out.

Others won't insure you if you suffer from conditions like heart disease or cancer, so make sure you check their terms and conditions carefully.

Some might need you to take a medical or ask questions about your lifestyle too. If you have any dangerous pastimes or live abroad, you may find some companies won't insure and others may charge more.

If you want your policy to include critical illness cover, don't assume that this will be provided; check that each one offers it before you get a quote.

How to compare life insurance for seniors

You can use our life insurance comparison to only show the policies available to those over 65. Some of these will give guaranteed acceptance to anyone over 65, but others will make a decision based on your health.

Look out for the maximum age you can start a new policy as well as the age limit that each policy will cover you up to, although there are plenty that are unlimited.

Check if each one has guaranteed premiums - these set how much you pay each month at a certain price for the whole life of the policy. Picking a cheaper policy where the premiums may go up further down the line might prove more expensive in the long run.

Once you've found a few policies that cover everything you need, ask for a quote from each provider and pick the one with the cheapest premiums.

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