A little cover now, one less worry for your family later.
Over 50s life insurance is a simple way to leave your loved ones a cash sum, to help with funeral costs, bills or a gift. You choose what you pay each month, acceptance is guaranteed for UK residents aged 50 to 80 (50 to 75 if you smoke), and a friendly team to guide you.
See if you qualify in a minute
A few quick questions, no medical exam, then we'll send your personalised quote.
Get your over 50s quote
No medical exam, no obligation, takes about a minute.
Non-smokers must be aged 50 to 80 and smokers must be aged 50 to 75 when opening a policy.
Looking after the people who matter most
Why people choose over 50s cover
It's not about big sums or complicated policies, it's about leaving those you love a little less to sort out.
Help with funeral costs
A cash lump sum your family can use towards the funeral, the wake, or whatever they need most.
Guaranteed acceptance
Guaranteed acceptance for UK residents aged 50 to 80, or 50 to 75 if you smoke. No medical exam. Two optional health questions could get you a larger cash sum and a shorter qualifying period.
Payments that suit you
Choose a fixed plan and your monthly payment stays the same for life. Or start lower with a plan where your payment and your cover both grow over time. We'll explain the difference.
Cover for life
Once you're covered, you're covered for the rest of your life as long as premiums are paid.
A gift you leave behind
Some people use it to clear a small debt, some to leave a little something for the grandchildren.
Real people to talk to
We'll explain your options in plain English so you can decide what suits you, no jargon, no pressure.
How it works
Three simple steps, and we do the legwork.
Tell us a little about you
Your age and roughly how much cover you have in mind. That's all we need to start.
We show you the options
We'll set out the over 50s cover available from National Friendly and explain how it works.
You choose, we arrange it
Happy to go ahead? You pick the plan and we'll set it up, staying on the end of the phone.
Common questions
Straight answers, in plain English.
What is over 50s life cover?+
It's a simple life insurance plan that pays out a fixed cash sum to your loved ones when you pass away. People often use it to help with funeral costs, clear a small debt, or leave a little something behind. As long as you keep up the monthly payments, you're covered for life.
Am I guaranteed to be accepted?+
Yes, if you are a UK resident aged 50 to 80, or 50 to 75 if you smoke. There is no medical exam. You can choose to answer two short health questions to try for our enhanced plan, which has a larger cash sum and a shorter qualifying period. If you would rather not, or the answers do not qualify, our standard plan accepts everyone in those ages. Acceptance is subject to the provider's eligibility criteria.
Will my payments ever go up?+
That depends on the plan you pick. On a fixed plan your monthly payment is set at the start and stays the same for life. Some plans are designed to start lower and grow instead, so the payment and the cash sum both rise over time. We'll show you both and explain what each one costs.
Is there a waiting period?+
Yes, it's called the qualifying period. It is two years, or six months on the enhanced plan if you answer the two health questions and qualify. If you were to pass away from natural causes during that time, the plan returns the payments you've made rather than the full cash sum. Cover for accidental death normally applies from day one. We'll point out exactly how this works on any plan we show you.
Could I pay in more than the payout?+
Depending on how long you live and keep paying, it's possible to pay in more than the cash sum that's paid out. It's an important thing to weigh up, and we'll always be upfront about it.
What happens if I stop paying?+
If you stop your monthly payments the cover will normally end and it has no cash-in value, so you could be left with nothing. If money ever gets tight, talk to us or the provider before cancelling, there may be options.
Do you give advice?+
We provide information to help you understand the over 50s cover available from National Friendly and how it works. We don't give personal advice or a recommendation, the choice is yours, and we're here to answer questions along the way.
Not sure where to start? Just ask.
There's no obligation and no hard sell, a friendly chat to help you understand your options. Call us or leave your details and we'll ring you back.