Life insurance for over 50s and seniors
✓ 99.6% of claims paid (Vitality Claims Report, 2021)
✓ Rewards for healthy living
✓ 5 Star rated cover
What does life insurance cover when you’re over 50?
Life insurance when you’re over 50 is the same as life insurance at any age. It’s covers a cash lump sum which is paid to your loved ones when you pass away. Your family can use the money for anything like taking care of debts, and funeral costs.Do I need life insurance after 50?
- Leave a cash lump sum to their loved ones
- Pay for the cost of a funeral
- Leave money to pay off the rest of a mortgage
- Leave a donation for their favourite charity.
How much does life insurance cost if I'm over 50?
- The amount you’ve covered for
- Your health
- Your age
- If you smoke or not.
Get a life insurance quote
Life insurance options for over 50s
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Term life insurance
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Term life insurance covers you for fixed amount of time, between five and 70 years. Your loved ones receive the lump sum if you pass away within the policy’s term.
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Whole of life insurance
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Whole of life insurance is a policy that ends when you pass away. When you do, your loved ones receive the lump sum.
Why choose Vitality's life insurance if you’re over 50?
✓ A brand you can trust – 99.6% of claims paid (Vitality Claims Report, 2021
✓ Discounts and rewards – access a range of discounts and rewards to help you lead a healthy lifestyle
✓ Get up to 40% off your first year’s premiums with Optimiser.
Other life products for over 50s
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Serious illness cover
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This option covers you for serious illnesses that aren’t life threating. If you’re diagnosed with a serious illness we cover, you’ll receive a lump sum payout. This can help you pay for medical expenses, bills and anything else while you recover. You can add this onto a life insurance plan, or buy as a standalone product.
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Cover for dementia and frailty
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You may want to cover yourself for serious illnesses that can happen in later life. If you choose serious illness cover, you can add on cover for later life illnesses like dementia.
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It only takes two minutes.
Get a life insurance quoteCall us on 0161 974 2517. Our team are on hand to answer your queries.
Request a callbackRelevant guides and articles
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Term life insurance
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Term life insurance gives you cover for a specific amount of time. You choose the term, and if you pass away or become ill during that term, your family receive a lump sum.
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Life insurance beneficiaries
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What is a life insurance beneficiary? Find out everything you need to know about beneficiaries, putting life insurance into a trust, and more, in this guide.
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Serious and critical illness cover
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Serious and critical illness cover pays out a lump sum if you are diagnosed with a serious condition. The condition may not be life threatening, but it still impacts your life.
