Before you compare life insurance for over 65 quotes you need to:

  1. Work out how much cover you need

  2. Decide on the type of cover you want

  3. Exclude insurers who do not cover over 65s

  4. Choose how long you want your policy to last

Work out much cover you need

Many insurers offer unlimited life insurance for seniors, so it is up to you to decide how much you need before you apply.

Think about what you want the policy to pay for and how much this costs to work out a figure for the amount of cover you need.

Picking the right type of cover

If you are over 65 there are three types of cover you can choose from:

  • Level term cover

  • Decreasing term cover

  • Over 50s life cover

Check the age limits

Most insurers set an upper age limit on their policies, so if you are over 65 some may not be able to offer you cover.

This comparison only shows insurers who can offer new policies if you are 65 or older and shows you the maximum age for each.

You should also decide how long you want the policy to last; insurers set a maximum cover age usually somewhere between 70-85 at which point you cover will stop.

Life insurance for over 65s FAQs


Will I need to have a medical?


No, you may have to complete a questionnaire on your medical history, but you can get cover without completing a medical


Can I get a joint over 65s life insurance policy?


Yes, but you will both need to meet the application criteria and be below the new policy maximum age when you start your cover.


Will my monthly premiums go up each year?


It depends on the insurer you choose, many offer fixed insurance premiums for the duration of your cover but not all of them.


Can I put the policy into trust?


Yes, most insurers let you do this, you will usually need to fill in a form and nominate the beneficiary.

About our life insurance for over 65s comparison


Who do we include in this comparison?


We include life insurance for over 65s from our panel of insurers. They are regulated by the Financial Conduct Authority (FCA).

Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.