Over 50s cover

Tips to Prepare

for Your Quote

Your Health

Insurers look at your medical history and any existing conditions. Being clear and accurate helps ensure you get the right level of cover and a fair premium.

Your Occupation

Some jobs carry more risk than others. Your occupation helps insurers assess the likelihood of a claim and can influence your premium.

Your Age

Younger applicants usually pay less, so securing cover early can help lock in lower long-term costs.

Your Lifestyle

Smoking, drinking, or high-risk hobbies can affect your premium. Your lifestyle helps insurers understand your overall risk level.

Simple, reliable protection for life’s later stages

Over 50s Life Cover is designed for anyone aged 50 to 80 who wants to leave a gift for loved ones, help cover funeral costs, or put straightforward financial protection in place.

Policies are often affordable, with premiums starting from around £10 a month, and most do not require medical questions. This makes them a suitable option if you have existing health conditions or a more complex medical history.

Over 50s cover is a whole of life policy, meaning your loved ones are guaranteed a payout as long as premiums are maintained. Many providers also stop charging premiums after a certain age, allowing you to keep cover for life without ongoing payments later on.

Expect a smooth, straightforward, and stress-free move. From reviewing your borrowing options to securing the right mortgage for your next home, every step is kept clear and well managed — from your first enquiry through to completion and beyond.

FAQ's

Frequently Asked Questions

What is Over 50s Cover?

Over 50s Cover is a whole-of-life insurance policy designed for people aged 50 to 80. It pays out a guaranteed lump sum to your loved ones when you pass away, helping with funeral costs or leaving a financial gift.

How is an Over 50s plan different from Traditional Life Insurance?

Traditional Life Insurance usually involves medical questions and is based on your health and lifestyle.
Over 50s plans typically have no medical checks, guarantee acceptance, and offer a fixed payout — making them ideal if you have health conditions or want simple, straightforward cover.

Do I need a medical for Over 50s Life Insurance?

No. Most Over 50s policies do not require any medical questions or assessments. If you meet the age criteria, you will usually be accepted automatically.

How much does Over 50s Life Insurance cost?

Policies can start from around £10 per month, depending on your age, the insurer, and the level of cover you choose.

What type of Life Insurance do I need?

The right option depends on your goals — whether you want to cover funeral costs, provide a lump sum for loved ones, or put more comprehensive cover in place. We can help you compare the choices and find a policy that suits your needs.

Hollybeck Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Hollybeck Limited. Registered address: 81 Burton Road, Derby, Derbyshire, DE1 1TJ. Registered in England & Wales under number 10337505.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Our typical fee is £495.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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