See how we compare
It can be hard to understand the differences between over 50 life insurance products and providers. We know with something as serious as life insurance you want to feel confident, that you’re making the right decision. That’s why we’ve put together this table where we compare our cover against the over 50 life insurance cover as advertised by some of the UK’s most well-known over 50 life insurance providers. You can also visit the Fairer Finance website to compare all products and providers.
Cover Today Over 50s Life Insurance is the only Over 50 Life Insurance product in the UK that has no waiting period for full cover1. Other over 50 life insurance providers can make you wait for one or two 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 23/11/2023.
Product - Over 50s Life Insurance
No waiting period1 for death by any cause
Full cover starts straight away – no need to wait
You can apply for up to £22,000 of cover, depending on your age
Just a few simple health questions
2x cover for accidental death
Product - Over 50s Life Insurance
No waiting period for accidental death only
12 month waiting period for death by any other cause
You can apply for up to £10,000 of cover, depending on your age
Guaranteed acceptance
2x cover for accidental death
Product - Over 50s Life Insurance
No waiting period for accidental death only
12 month waiting period for death by any other cause
You can apply for up to £10,000 of cover, depending on your age
Guaranteed acceptance
1x cover for accidental death
Product - Over 50s Life Cover
No waiting period for accidental death only
24 month waiting period for death by any other cause
You can apply for up to £9,206 of cover, depending on your age
Guaranteed acceptance
3x cover for accidental death
Product - Guaranteed Over 50 Plan
No waiting period for accidental death only
12 month waiting period for death by any other cause
You can apply for up to £18,000 of cover, depending on your age
Guaranteed acceptance
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.
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.
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.
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. If you’re aged between 50 and 80 and a UK resident, you are eligible to apply. Once you have been accepted, and as long as you keep up with your monthly payments, you will be covered for the whole of your life. 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.