What is Over 50s Life Insurance?

Designed for UK residents aged 50 to 80, Cover Today Over 50s Life Insurance is straightforward cover that’s in place from day one. So, unlike other over 50s life insurers, you have full protection instantly2. We offer level premiums which means you can trust that prices never go up3. 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, and funeral expenses - or it could be a gift.


Buying life insurance might not be the most exciting thing to do. But it is important. That’s why we’re here to make it as simple and easy as possible to get. And once you have it, you can get on with more interesting things in life, knowing your loved ones are protected.

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No waiting period Icon

No waiting period

We’re the only Over 50 Life Insurance provider with no waiting period2, which means full cover from day one.

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Simple claims process

Claiming is straightforward so the process is as easy as possible for your loved ones.

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Whole of life cover

You're covered from day one for the whole of your life as long as you pay your premiums, so once your policy is in place, you can sit back and relax.

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.

Get your Quote

You can read our terms of use and our privacy policy. When you click "Get a Quick Quote", you agree that we can use your phone number and email address to contact you about your quote. We may send you a text message to help you choose the best time for us to reach you.

£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?

  • Level premiums – So unlike other things in life, what you pay stays the same3
  • 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 funeral4, completely free
  • 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 specialists5
  • Affordable – With premiums starting at just £4.42 per month1
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How does over 50 life insurance work?

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 50s insurer in the UK that provides full cover from day one2. There are no medical or blood tests needed, we just ask a few health questions.


Cover Today 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 month1 and you have a choice between level premiums or our Increasing Benefit Option. You can get a quote and secure your cover in one quick call.

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Get instant, real protection from day one with Cover Today

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*

 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

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

2

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/

3

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.

4

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.

5

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.

Take the next step: Get a quote today for Over 50 Life Insurance
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