Over 50s Life Insurance from Post Office

Q: How long will it cover me for?

Your Post Office Over 50s Life Insurance policy continues for the rest of your life. You just need to keep making monthly payments until whichever of these happens soonest: - The policy anniversary date on or after your 90th birthday - You pass away

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 policy provides a fixed lump sum when you die, helping you care for your loved ones.

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 up to £250***, discount towards your funeral costs

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

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 Co-op Funeralcare. They'll put your funeral plan in motion, help your family through all the arrangements and, depending on the type of funeral you choose you will get up to £250*** discount applied towards the final cost of your funeral.

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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.

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

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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

How does our Over 50s Life Insurance work?

Post Office Over 50s Life Insurance 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. Just choose how much you want to pay each month, from £7 to £100, and leave behind up to £10,000 when you pass away.

The more you pay each month, the bigger the cash sum your family will get from your Over 50s plan.

When you pass on, your named beneficiary (usually a member of your family) will make a claim and fill in a claim form. Providing all the conditions are met and supporting information is submitted, we’ll pay your payout to them within 10 days of approving the claim.

If you buy a policy and find you’re struggling to keep up premiums, talk to us and we may be able to reduce them. This will affect the size of your payout. You cannot pay more than originally agreed to get a larger payout.

We won’t ask you about your health when you apply for an Over 50s policy.

How long will it cover me for?

How much cover can I have?

You can apply for a maximum cash sum of £10,000 or pay a maximum of £100 per month, whichever is lower.

You can have more than one Post Office Over 50s Life Insurance policy but the total amount of cover across all of these policies can't be more than the maximum cash sum (£10,000) and maximum payment amount limits (£100 per month).

If an application takes you above these limits, we'll reduce the cash sum of your most recent policy, or cancel it, to ensure the maximum limits aren't exceeded. We'll write to you to confirm we've done this.

How long will I make payments for?

How does someone claim on my policy?

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 personal representatives to claim the cash sum from your policy. If you've recently lost someone and need to claim on behalf of someone, you can find all of the information you need here.

Still have questions about Over 50s Life Insurance?

Over 50s Life Insurance help

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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.
**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.
Funeral Benefit Option is available to UK residents excluding Northern Ireland. The Funeral Benefit Option is not regulated by the Prudential Regulation Authority or Financial Conduct Authority.
*** 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.
^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 Insurance product in a Post Office branch, by post or over the telephone, it is arranged and sold by Post Office Limited and Post Office Management Services Limited. If you buy the product online, it is arranged and sold by The Royal London Mutual Insurance Society Limited following an introduction by Post Office Limited and Post Office Management Services Limited. If you buy the product by an appointed or delegated aggregator, it is arranged and sold by the aggregator.

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, Post Office and the Post Office logo are registered trademarks of Post Office Limited.

Post Office Money® Over 50s Life Insurance 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 Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

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