down-arrow icon

Over 50s Life Cover 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 cover for the over 50s

Get a quote

chevron-right icon

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

 

Over 50s Life Cover 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 cover policy provides a fixed lump sum when you die, helping you care for your loved ones.


trophy icon

First months cover on us

You'll start paying for your Over 50s Life Cover after the first month. 

check icon document-download icon

Why choose Post Office?

  • Get up to £10,000 of cover depending on your age
  • There's no medical checks or tests, we'll accept you if you're a UK resident aged 50 to 80
  • Immediate cover for accidental death plus death by any cause after 12 months**
  • You can pay from just £5 per month for your Over 50s Life Cover - that's just £1.15 per week+
  • Add Funeral Benefit Option and get up to £250***, discount towards your funeral costs
trophy icon

    Best Life Insurance Provider 2022

    Your Money Award - 14 years in a row

    Post Office is proud to have won the Best Insurance Provider at the YourMoney.com Awards in 2022, which makes it 14 years in a row. ^^

life insurance award 2022
your-money-2022-personal-finance-winner-icon
your money awards 2021 travel insurance
circle-outline icon calculator icon application-search icon down-arrow icon chevron-right icon

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


chevron-right icon check icon chevron-right icon
Funeral Benefit Option

Help with your funeral cost

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 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. 

Funeral Benefit Option
chevron-right icon

Protected Benefit

Your Over 50s Life Cover comes with a protected benefit which means if you stop paying your monthly premiums, we will still pay-out at least half of the cover amount on your death (as long as you're at least halfway through paying for your cover. The halfway point is calculated from the policy start date and the policy anniversary after you turn 95).

chevron-right icon

Reasons to choose Post Office Over 50s Life Cover

We all know that life cover is there to support your loved ones should the worst happen, here at Post Office, we know that there’s more to it than just financial protection. That's why when you choose Post Office you will have access, when you're covered, at no additional cost to the following additional services:


chevron-right icon

Post Office Here to Help Services ^

This is one-to-one, long-term support from a dedicated personal nurse for you and your family in the case of serious illness or bereavement. In these most difficult times, a nurse from an independent nursing service, will provide support if you lose someone, and to your immediate family if you pass away.

They'll also be there for you if you're dealing with a serious illness such as cancer, cardiac condition, stroke or multiple sclerosis. The experienced nurse can give lots of practical advice and emotional support and if it’s beneficial, a course of assessed therapy or counselling can also be provided. And you can use the service without ever having to claim on your policy, at no extra cost


chevron-right icon

Post Office Health and Wellbeing Services^

Access to the health and wellbeing service, is designed with your physical and mental wellbeing in mind. You'll have access, at no additional cost, to 24/7 Online GP (UK registered), Nutrition and Fitness professional to get you to your goal, Mental Health and Health Check specialist 365 days a year. There’s no cap on how many times you can use these services, and your partner and any children up to age 21 can take advantage too.

Compare other life cover products

Over 50s Life Cover

  • Get up to £10,000 of cover depending on your age
  • Choose Level or Increasing cover
  • For UK residents aged 50 to 80
  • No medical required
  • Choose to add Funeral Benefit Option at no extra cost

Life Insurance

  • Get up to £750,000 of cover depending on your age
  • Choose Level, Decreasing or Increasing cover to suit your lifestyle and budget
  • Terminal Illness Cover included
  • Add Critical Illness and Children's 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.


chevron-right icon
minus icon plus icon

Over 50s Life Insurance FAQs


plus icon minus icon chevron-right icon

Still have questions about Over 50s Life Cover?

circle-outline icon chevron-right icon phone icon online-application icon

Get a quote

Online

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

  • + £1.15 a week equals £5 monthly, for a 50 year old non-smoker, £1000 minimum cover
  • 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. In the event of death by accident, we will pay 2 times the full cash sum. In the event of death by natural causes, where death occurs in the first 12 months from the policy start date, we will pay 1.5 times the total premiums paid towards the cover. In the event of death by natural causes, where death occurs after the first 12 months from the policy start date, we will pay the full cash sum, please refer to Post Office Over 50s Life Cover Terms and Conditions for further information
  • We will stop collecting payments on the policy anniversary date on or after you reach age 95 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 Cover 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 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.
  • ^ These services are not part of the product contract and can be withdrawn at any time without notice. Post Office Here to Help (provided by RedArc Limited) and Post Office Health and Wellbeing Services (provided by MediPartner Limited) are independent health and advisory services and are not regulated by the Financial Conduct Authority.
  • ^^ In the last 14 consecutive annual YourMoney.com Awards, Post Office Insurance won at least one of: Best Online Life Insurance Provider, Best Direct Life Insurance Provider or Best Life Insurance Provider. On each occasion, we were shortlisted for our product features and price, before being judged by a panel of readers on the quality of service provided. There was no award in 2020.


Post Office Over 50s Life Cover is underwritten and administered by AIG Life Limited. Neilson Financial Services Limited assist in the administration If you buy Post Office Over 50s Life Cover in a Post Office branch or over the telephone, it is arranged and sold by Post Office Limited and Post Office Management Services Limited. If you buy Post Office Over 50s Life Cover online, it is arranged and sold by Neilson Financial Services Limited, following an introduction by Post Office 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.