Over 50s Life Insurance Guaranteed – Life Insurance | MyLifeInsurance
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What is guaranteed over-50s life insurance?

Guaranteed over-50s life insurance is designed for people aged 50 and above and may be available without the need for a medical examination or detailed medical underwriting, depending on the policy. Acceptance and cover are subject to the policy's terms and conditions.

How does guaranteed over-50s life insurance work?

These policies are generally designed to provide a benefit when the policyholder dies, subject to the policy terms. Before applying, it's important to check the level of cover, premiums, eligibility requirements and any exclusions or waiting periods that apply.

*From £10 per month Guaranteed Over 50 Life Insurance

£10 per month Life Insurance quoted rates are based on Guaranteed Over 50 Life Insurance Cover for a non-smoker and subject to individual status. Correct as on 4th February 2026.

  • £3,101 Cover Amount - 50 year old born in 1976 (One Family)
  • £2,554 Cover Amount - 55 year old born in 1971 (One Family)
  • £2,214 Cover Amount - 60 year old born in 1966 (One Family)
  • £1,760 Cover Amount - 65 year old born in 1961 (One Family)
  • £1,325 Cover Amount - 70 year old born in 1956 (SunLife)
  • £946 Cover Amount - 75 year old born in 1951 (SunLife)
  • £688 Cover Amount - 80 year old born in 1946 (SunLife)

People aged 85 are unable to achieve cover for £10 per month due to our partner insurers minimum sum assureds and/or premium limits. Minimum premium examples provided below.

  • £11 per month for £510 Cover Amount - 85 year old born in 1941 (SunLife)

*From £5 per month Guaranteed Over 50 Life Insurance

£5 per month Life Insurance quoted rates are based on Guaranteed Over 50 Life Insurance Cover for a non-smoker and subject to individual status. Correct as on 4th February 2026.

  • £1,201 Cover Amount - 50 year old born in 1976 (SunLife)
  • £1,035 Cover Amount - 55 year old born in 1971 (SunLife)
  • £929 Cover Amount - 60 year old born in 1966 (SunLife)
  • £758 Cover Amount - 65 year old born in 1961 (SunLife)
  • £576 Cover Amount - 70 year old born in 1956 (SunLife)

People aged 73-85 are unable to achieve cover for £5 per month due to our partner insurers minimum sum assureds and/or premium limits. Minimum premium examples provided below.

  • £6 per month for £519 Cover Amount - 75 year old born in 1951 (SunLife)
  • £8 per month for £535 Cover Amount - 80 year old born in 1946 (SunLife)
  • £11 per month for £510 Cover Amount - 85 year old born in 1941 (SunLife)