See how our Over 50 Life Insurance compares to policies from other popular providers.
Over 50s Life Insurance
See how we compare
Understanding the differences between over 50 life insurance products and providers isn’t always simple and we understand that with something as serious as life insurance you want to feel confident in your decision.
We’ve put together this table to help you easily compare our cover against other over 50s cover as advertised by some of the UK’s most well-known over 50 life insurance providers. You can also compare the waiting periods of all UK over 50s life insurance providers in this document.
Cover Today Over 50s Life Insurance is the only over 50 life insurance product in the UK that has no waiting period for full cover.1 Other over 50 life insurance providers can make you wait for one, two, or even three years before you're fully covered. We can offer you full protection from day one1 allowing you to get on with what's most important in life knowing that your loved ones have support. The information in the below table is correct as of 13/01/2025.
Provider
British Seniors
Legal & General
One Family
Sunlife
Product
Over 50s Life Insurance
Over 50s Life Insurance
Over 50s Life Cover
Guaranteed Over 50 Plan
Waiting Period
No waiting period1 for death by any cause
No waiting period for accidental death only
No waiting period for accidental death only
No waiting period for accidental death only
No waiting period for accidental death only
Immediate Cover
Full cover starts straight away – no need to wait
12 month waiting period for death by any other cause
12 month waiting period for death by any other cause
12 month waiting period for death by any other cause
12 month waiting period for death by any other cause
Max benefit amount depending on your age
£22,000
£10,000
£10,000
£9,206
£18,000
Guaranteed acceptance
Just a few simple health questions
Guaranteed acceptance
Guaranteed acceptance
Guaranteed acceptance
Guaranteed acceptance
Accidental death cover
2x cover for accidental death
2x cover for accidental death
1x cover for accidental death
3x cover for accidental death
1x cover for accidental death
Comparison explained
No waiting period
At Cover Today, we won’t make you wait around for cover. Other over 50 life insurance providers in the UK can make you wait one or two years for full cover. We understand that you want to get on with more interesting things in life so, with Cover Today, you’ll have full cover from day one.
Apply for up to £22,000 of cover
With us you can apply for a benefit amount of up to £22,000 of cover depending on your age. You’ll also be glad to know that the price never goes up, so you have the comfort of knowing exactly what you’ll be paying for years to come3.
Just a few simple health questions
During the application, we will ask you a few simple health questions. This won’t take any longer than necessary though, our UK-based team can help you get your very own personalised quote in a matter of minutes.
2x cover for accidental death
We know that accidents can happen and when they do, your loved ones might not always be prepared for them. That’s why we will pay twice your cover amount if you pass away as a result of an accident.
Frequently asked questions
Some of the most common questions we get asked about Cover Today Over 50s Life Insurance.
Cover Today Over 50s Life Insurance is protection designed for UK residents aged 50 to 80. It helps you to protect your loved ones from funeral expenses and other debts or to leave a gift behind. Depending on your age, you could get up to £22,000 of cover. Unlike other over 50 life insurers, you will have full protection for death by any cause from day one1.
Straightforward protection for your loved ones
We understand that getting Over 50 Life Insurance can seem like a daunting process. At Cover Today, we have worked hard to make sure that it’s straightforward and easy to understand. In a matter of minutes, you can secure protection that goes into place right away. All you’ll have to do is answer a few simple health questions. There’s no waiting around, in just a few minutes you could have financial support for your loved ones, which means you can get back to enjoying life with one less thing to worry about.