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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 It may be withdrawn at any time.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.
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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.