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Over 50's Life Insurance

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Welcome to our Over 50's life insurance guide.

For many Over 50's obtaining life insurance can be a struggle. At The Insurance Surgery, we try and ensure that we have products that are suitable to your needs.

For many Over 50's obtaining life insurance is not a problem and they can apply through our usual methods by following the life insurance or whole of life links. However, if you are Over 50 and have a serious medical condition or you simply do not wish to complete medical questionnaires then the Over 50's life insurance product could be for you.

The Over 50's life insurance product will provide you with guaranteed life insurance without any medical evidence. That's right guaranteed life insurance with no medical questions. You simply complete a small application form and once you've paid the premiums for the 'waiting period' you're covered. Even in the event of your death during the 'waiting period' as a minimum, any premiums you have paid will be refunded. We also offer guaranteed acceptance life insurance policies that offer immediate cover.

Below is a comparison of Over 50's life insurance policies*

We aim in the future to update this guide to provide more information regarding which Over 50's life insurance policy may be most suitable for each individual.

We would suggest you obtain a quote from each Over 50's life insurance provider to see who offers the best quotation for your personal circumstances.

Remember all these providers will guarantee acceptance of your life insurance without any medical questions or medical evidence.

*figures correct as at 24 January 2013, please carefully check any product before purchasing for their current terms and conditions.


Waiting Period

Premiums refunded in event of death in 'waiting period'

Typical Sum assured (based on a 50yr old non-smoker paying £20pm)

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2 Years



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Shepherds Friendly

2 years



Click for quote

Post Office

1 year



Click for quote

Legal & General

2 Years



click for quote

Liverpool Victoria

1 year



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Sun Life

2 year



Click for quote



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