Put plans in place now to help pay for your funeral or leave a gift when you're gone with our life cover for the over 50s
Guaranteed acceptance, no medical (UK residents aged 50-80)
Up to £10,000 of cover based on age
YourMoney.com Awards 2023 Best Insurance Provider1
As a thank you for choosing us, you can select a £125 Tesco, M&S or Amazon.co.uk Gift Card*
Minimum premium and terms and conditions apply.
Get up to £10,000 of cover, depending on your age
There are no medical checks or tests. We’ll accept you if you’re a UK resident aged 50 to 80
Immediate cover for accidental death. Covers death by any cause after 12 months2
Peace of mind that doesn’t cost the earth
Add Funeral Benefit Option and get a discount towards your funeral costs of up to £2503
Trust award-winning policies recognised for quality and value. We've won Your Money awards for 15 years, including Best Life Insurance Provider in 2022 and Best Over 50s Life Cover in 20231.
Get at least half your cover amount when you die, even if you have to stop paying your monthly premiums
Pay at least half your payments for a protected benefit on Over 50s Life Cover. Halfway is between the policy start date and its anniversary once you turn 95
If you’re planning to use the cash sum from your Over 50s Life Cover to help pay for your funeral, consider adding the Funeral Benefit Option to your policy at no extra cost.
When it's time, the money from your policy will go to Co-op Funeralcare. The discount you get depends on the type of funeral you choose: £250 for Tailored, £100 for Essential, and £50 for Direct to Cremation.
Feel good physically and mentally with Post Office Health and Wellbeing Services4, included free with your policy.
Talk to a UK doctor online anytime. Get advice from nutrition and fitness experts. And check in with mental health specialists all year round.
You, your partner and your children up to age 21 can use these services as often as you like.
Please note, this service is separate to and doesn’t form part of the policy contract. It may be withdrawn at any time.
It’s quick and easy to get a quote for Post Office Over 50s Life Cover online.
Monday to Friday: 9am - 8pm
Saturday: 9am - 5pm
Closed on Sundays and bank holidays
Post Office Over 50s Life Cover is a simple way to leave your loved ones a cash sum gift to settle unpaid bills or help pay for your funeral when you die.
If you’re aged 50 to 80 and a UK resident, you can get cover in place straight away. Just choose how much cover you’d like to leave behind. Depending on your age at the time of your application, you can choose an amount up to £10,000.
When you pass on, your named beneficiary (usually a family member) will make a claim by filling in a claim form. Providing all the conditions are met and supporting information is submitted, we’ll give your payout to them.
If you've bought a policy and you're struggling to keep up with premiums, talk to us. We may be able to reduce them, although this could affect the size of your payout.
We won’t ask about your health when you apply for an Over 50s policy.
Your Post Office Over 50s Life Cover policy continues for the rest of your life.
You need to keep making monthly payments until either:
You can apply for a maximum cash sum of up to £10,000, depending on your age, when applying for cover.
| Age at application date | Maximum cover amount |
|---|---|
| 50-69 | £10,000 |
| 70-74 | £9,000 |
| 75-80 | £6,000 |
There’s a fixed payment term for Post Office Over 50s Life Cover. You pay to the policy anniversary date after you turn 95 or until you pass away – whichever comes first.
Losing a loved one is a difficult time. The last thing those you leave behind need is a drawn out claims process. When the time comes, we'll make it easy for your representatives to claim the cash sum from your policy.
If you've recently lost someone and need to claim on their behalf, find out more about making a claim on our Life Cover help and support page.
Cost of life insurance
Loads of factors will affect the average life insurance cost, from lifestyle and overall health to occupation. But you do have a say in what you pay.
What are the benefits of life insurance?
We insure our cars against theft and damage, and our homes in case anything goes wrong. But not as many people insure the most valuable thing of all: their lives.
Family life insurance: protecting your loved ones
Your family is unique. Protecting them from life’s uncertainties is important. Life insurance offers a way to provide financial security for your loved ones if something ...
Joint vs single life insurance policies for couples: what’s best for you?
Choosing the right life insurance policy as a couple can be challenging. Should you apply for one joint policy or take out separate single policies instead?
Is life insurance worth it?
Life insurance can help your family financially if the worst should happen. Here, we look at some of the reasons you may wish to consider buying a life cover policy ...
What to expect from life insurance
Our guide takes you through what to expect from life insurance, from the application right the way through to the payout. If you think it’s a product that could help ...
What is life insurance?
Life insurance can offer your loved ones peace of mind and financial security if you pass away or become critically ill.
Life insurance and critical illness cover at 50: Protecting your future while you enjoy new ...
Turning 50 is a great time to try new things. The right life cover can help you enjoy travel, hobbies and big life changes without worry.
Protect your family
Life shouldn't stop for your loved ones if the unexpected happens to you. Let's make sure they'll be financially secure if the worst happens.
6 reasons why you need life insurance
It seems there are certain events in people’s life that prompt them to buy life insurance.
The nation's relationship with life insurance
For many people, life insurance is an extremely important financial product - but how many of us have it, and what do consumers actually know about this type of cover?
Life insurance for self-employed
Working for yourself can come with financial challenges. That's why it's worth considering life insurance when you are self employed.
Death in service vs life insurance
If you rely on death in service cover alone, you may be putting your family at a financial disadvantage. Read on to discover how death in service benefits compare to ...
Life insurance vs life assurance
What’s the difference between life insurance and life assurance? We can help with that.
Life insurance and coronavirus
Life insurance can help your family financially if the worst should happen, including death from Covid-19.
Understanding mortgage life insurance
If you want to leave your loved ones financial protection for your home, even if you’re not there to help pay the mortgage, you may want to take out mortgage life ...
Post Office Over 50s Life Cover is underwritten by Aviva Protection UK Limited and jointly administered by Neilson Financial Services Limited and Aviva Protection UK 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.
† £125 gift card offer ends 30 March 2026. Minimum premium and 180-day qualifying period applies.
See offer terms and conditions
* Restrictions apply, see amazon.co.uk/gc-legal
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.
Read the full policy terms and conditions.
1 In the last 15 consecutive annual YourMoney.com Awards, Post Office were 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.
2 We only pay out on death. There is no cash-in value at any time. If death by accident, we will pay 2 times the cover amount. If death by natural causes, in the first 12 months from the policy start date, we will pay 1.5 times the total premiums paid towards the cover. If death by natural causes, after the first 12 months from the policy start date, we will pay the full cover amount.
3 Depending on the type of funeral plan chosen with Co-op Funeralcare, applicable discounts available are: £250 for Tailored funerals, £100 for Essential funerals and £50 for Direct to Cremation funerals. Funeral Benefit Option is not regulated by the Prudential Regulation Authority or Financial Conduct Authority
4 This service is separate to and does not form part of the Post Office Over 50s Life Cover policy contract. It’s available to you for free but may be withdrawn at any time. Health and Wellbeing Services are provided by MediPartner Limited.
(5) 0330 & 0345: 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.