How we compare

You choose a benefit amount that suits your needs, with a monthly premium you can afford. There are no medical or blood tests needed. We just ask a few health questions. As long as you keep up with your monthly payments, your protection is whole of life. So, you’re covered from the day you buy a policy until the end of your life. Our prices start from just £4.42 per month² and you have a choice between level premiums or our Increasing Benefit Option - which can help offset the effects of inflation on your policy.

If you have loved ones that depend on you, or if you want to provide some financial support when you’re gone, over 50 life insurance could be right for you. Your family could use the cash lump sum to help with funeral costs, household expenses, and other debts like credit card repayments or a car loan. You could also simply use it to leave some money behind.

Everyone’s needs are different. That’s why with Cover Today Over 50s Life Insurance, you have a choice of two premium payment options: Level or our Increasing Benefit Option. 

Level - If you have a budget that you’d like to stick to, a level policy could be for you. With this type of cover, what you pay and how much we pay out stay the same throughout your policy.

Increasing Benefit Option - With the increasing benefit option, both your monthly payments and your benefit amount will increase each year. This can help to offset the effects of inflation on your policy. 

No, health insurance covers the cost of private healthcare. It can help the policyholder receive faster treatment and cover various medical expenses. Life insurance covers your life and pays out to your legal beneficiary when you die. This provides some financial support for your loved ones at a difficult time. 

At Cover Today, we believe there’s more to protection than just life cover. That’s why we also provide a range of Health and Wellbeing Services with your policy⁴. You, your partner, and children up to age 21 will have free and unlimited access to 24/7 GP advice by phone or video, as well as nutrition plans, physiotherapy assessments and mental health specialists.

When you die, any debts you have must be paid out of your ‘estate’. Your estate is the money and property that you leave behind. If you have a mortgage your partner may need to continue to pay it if you die. If you have shared loans, it will likely pass to the surviving person. If there is no life insurance in place when you die, your loved ones could struggle financially.