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We all love taking care of our families. Time to do even more for yours?

It’s been a while since you took out your Post Office Over 50s Life Cover. We wrote to you to check you’re still happy you have the right amount of cover in place for your loved ones. By taking out a little extra now with a new policy, you could do even more to look after them when you’re no longer around.

Why you may want to think about extra cover

People's lives and circumstances change over time. Your original cover amount may not go as far in the future as it does today. Or perhaps you now have more family members to think about.

Leave your family more, for just a little extra a month

An additional policy is quick and easy to arrange. And, just like when you took out your original policy, there are no health questions to answer. Plus, we still guarantee your monthly payments will never change.

More benefits of having Over 50s Life Cover

Post Office Health and Wellbeing Services

Our Health and Wellbeing Services are designed with your physical and mental wellbeing in mind.

At no extra cost, you can access a 24/7 online GP (UK registered), nutrition and fitness professionals to get you to your goals, and mental health and health check specialists 365 days a year.

There’s no cap on how often you use these services. And your partner and any children up to age 21 can use them too.

Post Office Here to Help Services

If you lose someone or pass away, you or your immediate family can access long-term, one-to-one support from a dedicated nurse.

This experienced, independent nurse will be there for you at the most difficult of times. From dealing with bereavement to living with a serious illness such as cancer, a cardiac condition, stroke or multiple sclerosis.

They can give practical advice, emotional support and, if it helps, a course of assessed therapy or counselling.

The service won’t cost you a penny to use. And you won’t have to claim on your policy.

About these support services

These services are separate to and don’t form part of the Post Office Over 50s Life Cover policy contract. They’re available to you for free but may be withdrawn at any time.

YourMoney.com Personal Finance Winner 2023 - Best Over 50s Liver Cover Provider award

Cover to give you confidence

Our policies have won Your Money awards 15 years in a row**. That includes Best Over 50s Life Cover Provider in 2023. They’re rigorously judged and mystery shopped by the public for price and quality.

Get a quote online

It’s quick and easy to get a quote for Post Office Over 50s Life Cover online.

Get a quote by phone

Monday to Friday: 9am - 8pm

Saturday: 9am - 5pm

Closed on Sundays and bank holidays

About our over 50s life cover

Post Office Over 50s Life Cover is underwritten by AIG Life Limited and jointly administered by Neilson Financial Services Limited and AIG Life Limited. If you buy Post Office Over 50s Life Cover in a Post Office branch, it is arranged and sold by Post Office Limited and Post Office Management Services Limited. If you buy Post Office Over 50s Life Cover over the telephone or online via the Post Office website, it is arranged and sold by Neilson Financial Services Limited, following an introduction by Post Office Limited. If you buy Post Office Over 50s Life Cover online via a price comparison website, it is arranged and sold by the firm that provides the price comparison website services.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered office: 100 Wood Street, London, EC2V 7ER.

Things you need to know

Depending on how long you live, you could pay more in monthly payments than the cash sum we pay out when you die. The cash sum you choose is fixed and inflation (the rising cost of goods and services) will reduce its value over time.

If you stop making your payments your cover will end and you’ll get nothing back. We can tell you about our cover but cannot advise if it is right for you. If you are not sure if it is right for you, please ask your financial advisor, or visit Unbiased to find one who could help.

Post Office Here to Help (provided by RedArc Limited) and Post Office Health and Wellbeing Services (provided by MediPartner Limited) are independent health and advisory services and are not regulated by the Financial Conduct Authority.

Notes

* Restrictions apply. Find out more on Amazon.

** In the last 15 consecutive annual YourMoney.com Awards, Post Office was shortlisted for our protection product features and price, before being judged by a panel of readers on the quality of service provided. There was no award in 2020.

^ Calls to 03 numbers will cost no more than calling a standard UK number starting with 01 or 02 from your fixed line or mobile and may be included in your call package. Calls may be monitored or recorded for training and compliance purposes.

Exclusive £150 gift card offer terms and conditions

Post Office Over 50s Life Cover £150 Gift Card Offer Terms and Conditions. Effective from 7 October 2024 to 29 November 2024

  1. Participation in this promotion is deemed acceptance of these Terms and Conditions.
  2. This promotion entitles you to a single M&S, Tesco or Amazon.co.uk Gift Card* or eGift Card worth £150 (the “Gift”) as a ‘thank you’ if you buy a Post Office Over 50s Life Cover policy between 7th October 2024 and 29 November 2024 inclusive (the "Offer"), subject to these Terms and Conditions.
  3. After the end of the 180-day qualifying period, you will be contacted by either post or email (per the contact details you provided in your application for Post Office Over 50s Life Cover) “the Invitation”, and therein invited to make a selection of the Gift you wish to receive. You must select your Gift, either online: via the link in the Invitation email, or at the webpage specified in the Invitation letter; or by telephone - on the number provided in the Invitation. You cannot select a Gift until you receive the Invitation, which will be after the qualifying period has passed. You may select your Gift at any date following receipt of the Invitation, but no later than 90 days from receipt of the Invitation.
  4. You must retain the policy and make all due monthly direct debit payments for at least the 180-day qualifying period to be eligible for the Offer. The 180-day qualifying period starts from the date of your first payment.
  5. If you have not selected your Gift within 90 days from the date the Invitation is sent, the Invitation will expire, and no Gift will be sent to you. 
  6. The Gift that you selected will be sent to you, if eligible, within 28 days of you selecting your gift, as long as the policy is still active, and all due monthly payments have been paid.
  7. Gift Cards will be sent by post; eGift Cards will be sent by email per the contact details you provided in your application for Post Office Over 50s Life Cover.
  8. If you decide to cancel your cover within the first 30 days of the commencement date of the policy you will be refunded the monthly payments you have paid in full but will not be eligible for the Offer. If you decide to cancel after the first 30 days but before the end of the 180-day qualifying period, you will not be refunded monthly payments already made or be eligible for the Offer.
  9. The Offer is open to anyone who is a permanent UK resident aged between 50 and 80 (inclusive) eligible for Post Office Over 50s Life Cover, who were sent a letter with an exclusive £150 gift card offer. This Offer does not apply to Post Office Limited employees, Post Office Management Services Limited employees, or Post Office Postmasters and their employees who work in Post Office branches.
  10. One Gift per eligible Policy, whether it is a joint policy or a single policy.
  11. The Offer cannot be used in conjunction with any other promotion or offer.
  12. This Offer is applicable to applications for Post Office Over 50s Life Cover made online or by phone between 7th October 2024 and 29 November 2024 inclusive. The Offer is not available if you apply for Post Office Over 50s Life Cover through a price comparison site, affiliate cashback site or via a third party.
  13. The Offer is not transferable or exchangeable and no cash alternative will be offered.
  14. The Offer can only be redeemed/used once per person.  A customer may purchase more than one Post Office Over 50s Life Cover policy during the Offer period, so may receive more than one Invitation to select a Gift. However, once a Gift has been sent to that customer under this Offer, no further Gifts will be sent to them.
  15. The Promoter reserves the right to withdraw or amend the Offer without notice at any time in exceptional circumstances only.
  16. The promoter of this promotion is Post Office Management Services  Limited (the "Promoter") and the promotion is administered by Neilson Financial Services who are acting on behalf of Post Office Management Services  Limited. Their correspondence address is PO Box 6063, Windsor, SL4 9GL.
  17. *Amazon.co.uk Gift Card restrictions apply, see www.amazon.co.uk/gc-legal
  18. M&S gift cards and e-gift cards are subject to Terms & Conditions which can be found at www.marksandspencer.com/c/faqs/gift-cards-and-egift-cards
  19. Tesco Gift Cards and eGift Cards are subject to Tesco Stores Ltd Terms & Conditions which can be found at www.tescogiftcards.com/terms-and-conditions
  20. Post Office Limited, Post Office Management Services Limited and Neilson Financial Services Limited accept no responsibility for lost, stolen or defaced M&S, Tesco or Amazon.co.uk Gift Cards*, or for M&S, Tesco or Amazon.co.uk Gift Cards* or eGift Cards being used without your permission.
  21. M&S, Tesco or Amazon.co.uk Gift Card* or eGift Cards are provided by The Marketing Lounge Partnership ("MLP") who only use personal data provided to it to administer this promotion and for no other purpose. MLP are processing data on behalf of Neilson Financial Services Limited and will delete all personal data 1 year following the last claims date. Please see the Privacy Policy at https://over50s.postoffice.co.uk/privacy-notice/ for more information on how Neilson Financial Services Limited uses personal data.