Compare life insurance for over-65s

Last updated: 7 May 2022

What is senior life insurance?

Life insurance for over-65s covers people of retirement age. It can be expensive but could be money well spent if it means your family gets a payout when you die, so think about your circumstances. 

The money could go towards funeral costs, paying off a mortgage or covering your outstanding debts, or it could just be a gift for your family to enjoy.

Life insurance options for over-65s

There are three types of cover to choose from:

You can read more about how each type of policy works here.

Working out how much insurance cover you need later in life

Many insurers offer unlimited insurance for those entering their senior years, so decide how much cover you need before you apply. To do this, think about what the payout would be used for and how much the policy costs. 

Check the age limits on your senior insurance

Most companies apply an upper age limit – usually between 70 and 85 – to their policies, so they might not be able to offer you cover. 

Think about age limits when considering how long you want the policy to last. When you reach the set age, your cover automatically stops.

How to get the right life insurance for over-65s

Before you compare quotes, there are a few things to think about:

Be sure to exclude insurers who do not cover over-65s.

How can I find the best-priced senior life insurance?

Carry out a comparison to find the best life insurance for those over 65 years of age. Don’t just look at the price – make sure the policy covers what you need as well. Enter your information here to get quotes.