What is over 70 life insurance?

As you age, you might start to think about how you can protect your family when you’re gone. Over 70 life insurance is a simple way to leave a cash lump sum behind to help with debts, bills, and funeral costs. That’s why we’ve created Cover Today Over 50s Life Insurance for UK residents aged 50 to 80. We’re the only over 50 UK insurer to provide instant full cover1. If you’re over 70 and depending on your age when you apply, you could get up to £20,000 of cover.


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 straightforward 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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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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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 £20,000 of cover, depending on your age
  • FREE Funeral Benefit Option – Get up to £300 towards the cost of your funeral3, completely free

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More reasons to choose Cover Today

  • You’re covered for up to 2x your cover amount for accidental death from day one (up to £40,000)
  • 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 £125 Gift Card – When you sign up, you’ll have a choice of £125 Gift Card* from Amazon.co.uk, Tesco, or M&S
  • 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 does it 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. There are no medical or blood tests needed, we just ask a few health questions. If you're aged between 50 and 80, we can help you get the right cover in place to help look after what matters most to you. 


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 £8.36 per month5. We offer level premiums which means you can trust that prices never go up2. You can get a quote and secure your cover in one quick call.

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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.

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 polic

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

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 70-year-old, non-smoker, with £1000 of level cover.

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