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Over 50s Life Insurance from Post Office

Put plans in place now to help pay for your funeral, or leave a gift when you're gone with our life insurance for the over 50s

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Get an Over 50s Life Insurance quote today and protect what matters to you

Over 50s Life Insurance from Post Office is a simple way to leave your loved ones a cash sum when you die – as a gift, to settle unpaid bills or help pay for your funeral. If you’re aged 50 to 80 and a UK resident, you can get cover in place right away. 

An Over 50s life insurance plan provides you with a guaranteed fixed lump sum when you die, helping you care for your loved ones.

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Why choose Post Office?

  • You can pay from just £7 per month for your Over 50s life insurance– that’s just 24p per day
  • There’s no medical – we’ll accept you if you’re a UK resident aged 50  to 80
  • Reduce your cover to bring down your payments, giving you greater flexibility
  • ** Get immediate cover for accidental death
  • Add Funeral Benefit Option and get an extra £250 towards your funeral costs
  • We were voted Best Online Life Insurance Provider 2019 by YourMoney.com
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Over 50s Life Insurance Calculator

Use our calculator to get an idea of the amount of cover that’s right for you.

Over 50s Life Insurance Calculator

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Help with your funeral cost

If you’re planning to use the cash sum from your Over 50s Life Insurance to help pay for your funeral, consider adding the Funeral Benefit Option to your policy at no extra cost.

When the time comes, the cash sum from your policy will be paid to Dignity Funeral Directors. They'll put your funeral plan in motion, help your family through all the arrangements and put an extra £250 towards the final cost.

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No medical checks

Our Over 50s life insurance policy doesn’t require you to have any medical checks or tests, and we won’t ask you for details of your medical history. All we need to establish is that you’re a UK citizen aged between 50 and 80. That means no uncomfortable questions and no inconvenient exams. Just a reassuring policy to help your family once you’ve gone.

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Post Office Here to Help in the hardest times

Once you’re covered, you’ll have access to the Post Office Here to Help Service^ at no extra cost. This is a one-to-one long term support from a dedicated personal nurse for your family if you die. We're also there for you if you lose someone yourself or are diagnosed with a serious illness. If it’s beneficial, a course of assessed therapy or counselling can also be provided when that difficult time comes, with a simple and understanding claims process and bereavement support at no extra cost.

Compare other life insurance products

Over 50s Life Insurance

  • Pay from £7 each month and leave behind up to £10,000
  • For UK residents aged 50 to 80
  • No medical required
  • Choose to add Funeral Benefit Option at no extra cost

Life Insurance

  • Pay from £7 each month and leave behind up to £500,000
  • Choose Level, Decreasing or Increasing cover to suit your lifestyle and budget
  • Terminal Illness Cover included
  • Add Critical Illness Cover at an extra cost

Already a customer?

Get help with an existing Post Office Life Insurance policy, or find out how to make a claim.


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Over 50s Life Insurance FAQs


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Still have questions about Over 50s Life Insurance?

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    Best Online Life Insurance Provider

    Post Office Money was judged by a panel of readers on the quality of service provided

best-online-life-insurance-provider-2019
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Get a quote

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Its quick and easy to get a quote online today

Call us on

0330 123 3977
We are available; 8am-7pm Mon-Fri 9am-5pm Sat. Closed on Sundays

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.
  • *Restrictions apply, see amazon.co.uk/gc-legal
  • **We only pay out on death. There is no cash-in value at any time. If you die from natural causes in the first 12 months, we will pay one and a half times the payments you have paid. If you die from natural causes during the second year of the policy (i.e. from the 1st policy anniversary to the day before the second policy anniversary), we will pay the lower of: £5,000 or the full cash sum. If you die from natural causes after the second year of the policy (i.e. on or after the second policy anniversary), we will pay the full cash sum.
    If you die from an accident in the first 12 months (please refer to the Post Office Money Over 50s Life Cover Terms and Conditions for an explanation of accidental death), we will pay the full cash sum. If you die as a result of an accident after the first 12 months, we will pay two times the cash sum.
    If you die from suicide in the first 12 months, we will pay an amount equivalent to the total monthly payments you have paid. If you die from suicide during the second year of the policy (i.e. from the 1st policy anniversary to the day before the second policy anniversary), we will pay the lower of: £5,000 or the full cash sum. If you die from suicide after the second year of the policy (i.e. on or after the second policy anniversary), we will pay the full cash sum.
  • We will stop collecting payments on the policy anniversary date after you reach age 90 or when you die, whichever is sooner. 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.co.uk to find one who could help.
  • Click here if you would like to read the Post Office Over 50s Life Insurance Terms and Conditions. If you apply for cover, you will also receive them with your policy documents.
  • The Funeral Benefit Option is not regulated by the Prudential Regulation Authority or the Financial Conduct Authority.
  • ^This service is provided by RedArc and is not part of the product contract and can be withdrawn at any time. RedArc Ltd is an independent care advisory service and is not regulated by the Financial Conduct Authority.
  • Post Office Money Over 50s Life Cover is provided by The Royal London Mutual Insurance Society Limited.

 

If you buy a Post Office Money® Over 50s Life Cover product in a Post Office branch or over the telephone, it has been arranged and sold by Post Office Limited and Post Office Management Services Limited. If you buy the product by post or online, it has been arranged and sold by The Royal London Mutual Insurance Society Limited following an introduction by Post Office Limited and Post Office Management Services Limited.

 

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: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited.

 

Post Office Money® Over 50s Life Cover is provided and administered by The Royal London Mutual Insurance Society Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, FRN 117672. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL. These details can be checked on the Financial Conduct Authority.

 

Post Office and Royal London are not part of the same corporate group.