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 (depending on age)
YourMoney.com Awards 2023 Best Insurance Provider1
There’s more to our cover than paying your loved ones a lump sum when you die to cover your funeral or your bills. We’re here for you in tough times
Immediate accidental death cover
If you die in an accident during the first year, your family gets twice the cover amount right away2
Includes health support for you and your family
Access a UK-registered GP online or by phone 24/7, plus other health and wellbeing services3 and compassionate support.
This service is separate from the policy contract. It's free but may be withdrawn at any time.
Protecting your payout
If you pay at least half your premiums by age 95, your family will still get at least half your cover. Even if you have to stop paying
We've won Your Money awards for 15 years, including Best Life Insurance Provider in 2022 and Best Over 50s Life Cover in 20231.
When you buy Post Office Over 50s Life Cover, you’ll also get a special reward. Choose a gift card† from a choice of retailers or an unforgettable experience††.
† Qualifying period, minimum premiums and terms and conditions apply
†† Qualifying period, minimum premiums and terms and conditions apply
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 Services3, 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 It may be withdrawn at any time.
Choosing life cover can feel tricky, but we’re here to help. Our tools, guides and friendly team make it easier to explore your options with confidence
Our friendly team’s here to help you understand your options and find the right cover for your needs
Monday to Friday: 9am - 8pm
Saturday: 9am - 5pm
Closed Sundays and bank holidays
Quote ‘TREATS’ when applying by phone4 for the experience offer
Aged 18-70 and want to protect your loved ones financially? Our Life Insurance could be the right fit:
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.
† Gift card offer ends 31 December 2025. Minimum premiums and 180-day qualifying period applies.
†† Experience offer ends 31 December 2025. Minimum premiums and 180-day qualifying period applies.
* 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.
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 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.
4 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.