Over 50s Life Insurance
- Leave a guaranteed cash lump sum to your loved ones
- Get rewarded when you look after your health
- 98.9% of life cover claims paid (VitalityLife Claims and Shared Value Report 2025)
Top-rated insurance tailored for you
What is Over 50s life insurance
Life insurance for over 50s is the same as life insurance at any age - it's a great way to take care of the people you love.
But, there’s a lot more to Vitality over 50s insurance. Our award-winning cover also gives you all the tools you need to live a happier, healthier, longer life.
That includes brilliant rewards for doing healthy things, like walking, gardening, taking the grandkids to the park, or whatever you do to stay active – we’ve got you covered.
What does life insurance do when you're over 50?
It's worth considering life insurance at any age to look after those you care about most.
Even if your children are grown up, or you’ve paid off your mortgage, it may be worth considering it. It's an affordable way to:
- leave a cash lump sum to your loved ones when you pass away
- provide some cash for your family to take care of debts
- pay for the costs of a funeral costs
- or just as a gift to support your loved ones future or your favourite charity
You can also get whole of life insurance which guarantees your loved ones get a payout when you pass away.
Why choose Vitality life insurance when you're over 50?
You get award-winning cover that can make you healthier and save you money.
With a Vitality Life insurance plan you...
- get up to 40% off your starting premium when you add Optimiser1
- can save you hundreds a year in rewards
- can help you live a longer, healthier life2
You can also change your cover at any time. And premiums start from £5 a month.
A brand you can trust - Last year, we paid out 98.9% of all life cover claims (VitalityLife Claims and Shared Value Report 2025)
2 Based on members who move from 0 to 21+ activity points a week throughout their lifetime, applied to standard UK mortality rates. Vitality study 2024.
How much over 50s life insurance costs?
Your monthly premiums depend on many factors, such as:
- The amount you’ve covered for
- Your health
- Your age
- If you smoke or not.
Our award-winning 5 Star Defaqto life insurance starts from £5 a month.
Save on premiums and get rewarded
Our Life insurance helps you focus on living a happier, healthier longer life.
Up to 40% off your premiums
Enjoy real value as soon as your plan starts. The healthier you are, the lower your premium stays.2
Get help to stay healthy
We'll help you save money and get active, with tips and tools to understand and improve your health.
Top rewards and savings
When you get active, you'll unlock rewards, like gym membership, spa breaks and weekly coffee. Explore Vitality partner discounts and rewards.
Keep your premiums low
Get healthier, look after your health, the lower your premiums will be.
Life insurance options for over 50s
Choose from our life cover options, so you get the cover that suits your needs.
Term life insurance
Cover fixed, between 5 and 70 years. Your loved ones receive a lump sum if you pass away
Whole of life insurance
Your policy lasts your whole life. Your loved ones get a guaranteed lump sum payout when you pass away
Serious Illness Cover
Pays out a lump sum when you're diagnosed with any of up to 174 listed serious illnesses
Later life and dementia
Buy serious illness cover. And we'll automatically cover you for later life illnesses like dementia
Want some help?
You can always get free advice from one of our qualified experts. Just call us on 0330 678 3328
Or
We’re more than happy to help you find you the right cover, at a price that works for you. No obligations, no hidden charges.
