Request your life insurance call back today

At Cover Today we wanted to make it as straightforward as possible for you to secure an over 50 life insurance policy. You can buy an Over 50s Life Insurance policy from us in a matter of minutes over the phone. Depending on your age you could get up to £22,000 of cover.  This could be used to help your loved ones with debts, bills, or funeral expenses – it could even be left as a gift.


All you have to do during the application process is answer a few simple health questions. We’re the only over 50 life insurance providers in the UK that offer you instant full protection1. That means if your application is accepted your cover goes into place straight away. You’ll also be glad to know that unlike other things in life what you pay each month will never go up2. Allowing you to get back to more interesting things in life, knowing that you have protection in place to help your loved ones when you’re gone.

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Some things to think about

  • Please consider the benefit amount you choose, as inflation may reduce its buying power over time. However, you can choose to include the Increasing Benefit Option, which can help protect your policy from some of the effects of inflation
  • If you stop your monthly payments, you will get nothing back – of course, if you keep up with your payments, then your cover will be paid in full
  • Depending on how long you live, you may pay more for your cover than the final benefit amount. Our cover isn’t intended to be a savings or investment product – it’s there to provide protection if the worst should happen.
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£125 Gift Card of your choice.

As a way of saying ‘thank you’ for choosing Cover Today, you can claim a £125 Gift Card*

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Why choose Cover Today?

  • No waiting period - Unlike other over 50s life insurers, we provide instant cover from day one1 
  • Straightforward claims process - Claiming is simple to make it easier for your loved ones 
  • Whole of life cover- You’re covered from day one for the whole of your life 
  • Level premiums - So unlike other things in life, what you pay stays the same2
  • Get up to £22,000 of cover, depending on your age
  • No medicals, or blood tests – That means no annoying trips to the doctor to apply, just a few health questions  
  • FREE Funeral Benefit Option – Get up to £300 towards the cost of your funeral3, completely free


Let Us Call You

Enter your details to speak to our Call Centre Life Insurance specialists:

You can read our terms of use and our privacy policy. When you choose to click this button, you agree that we can use your phone number to give you a personalised quote. We may send you a text message to help you choose the best time for us to reach you.

More reasons to choose Cover Today

  • You're covered for 2x your cover amount for accidental death from day one (up to £44,000)
  • Free Health and Wellbeing services – You get free access to 24/7 online UK GPs, as well as nutrition plans, physiotherapy assessments and mental health specialists4
  • Choice of £100 Gift Card – When you sign up, you’ll have a choice of £100 Gift Card* from Amazon.co.uk, Tesco, or M&S
  • Affordable – With premiums starting at just £4.42 per month5
  • No premiums after age 95 – from the policy anniversary following your 95th birthday, premiums are no longer payable, and your cover continues for life
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How our cover works

You choose a benefit amount that suits your needs, with a monthly premium you can afford. As soon as you buy your policy you’re protected – we’re the only over 50 life insurer in the UK that provides instant cover1. There’s no medical or blood tests needed, we just ask a few health questions. 


Cover Today Over 50s Life Insurance provides whole of life protection. This means you’re covered from the day you take out a policy until the end of your life. All you need to do is keep up with your monthly payments. Prices start from just £4.42 per month5. Register today and you can get your free life insurance call back and secure cover in a matter of minutes. 


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Your policy, your way


We understand that everyone has different needs. That’s why with Cover Today Over 50s Life Insurance, you have two options of how you would like your cover to work. Find out more below or read our helpful guide on over 50 life insurance.

Level

If you have an exact budget that you would like to stick to, then a level policy could be for you. With this type of policy, what you pay and how much we pay out stay the same throughout the policy.

Increasing Benefit Option

If you decide to go with the Increasing Benefit Option, your monthly payments and your benefit amount will increase each year. This can help to combat some of the effects that inflation could have on your policy.

Get instant, real protection from day one with Cover Today

*

 Choice of £125 Gift Card, for new policy holders only,  after six successful monthly payments and once your total premiums paid exceeds the value of your Gift Card.  View full terms and conditions here.

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Cover Today policies are issued by Scottish Friendly Assurance Society Limited, winner of Best Mutual Insurer in the CFI.co UK for the past five years in a row.

1

You are covered for Over 50s Life Insurance from day one, acceptance is subject to a few eligibility questions. Compared to current market providers of Over 50s Life Insurance, only Cover Today offer immediate cover for death due to any cause. Visit www.covertoday.co.uk/compare-over-50-life-insurance/

2

Prices stay the same unless you choose our Increasing Benefit Option. If you choose this, your premiums and benefit amount will increase each year to help combat inflation.

3

If you choose an unattended cremation, please note that the £300 contribution will not apply. An unattended cremation means there is no funeral service, funeral procession (or other services such as family viewing, limousine(s), embalming or delivery of ashes). The cremation is arranged at a crematorium at a date and time chosen by the appointed funeral director without anyone attending other than the funeral director’s staff.

4

Please note that the Cover Today Health and Wellbeing services do not form part of your life cover contract and it could be changed or removed in the future. This is a non-contractual benefit from Cover Today and can be withdrawn at any time.

5

For a 50-year-old non-smoker with £1,000 of cover.

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