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Life cover available for over 50s

Comprehensive insurance giving you the right cover for your later years.

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What does my life insurance cover when over 50?


Life insurance cover doesn't change when you're over 50 on a VitalityLife policy. It enables individuals to leave behind a guaranteed cash lump sum to their loved ones when they die. This can contribute towards financial goals such as paying off the mortgage, everyday bills or even towards funeral costs.


Whether you're receiving your pension or close to retirement our life insurance cover is designed to meet the needs of all ages.

We want to ensure joining the plan is as simple and smooth as possible. Depending on your type of cover you'll be accepted with no medical required before joining**.

You just need to tell us about any medical conditions as part of your application.

 Life Assurance Defaqto Rating 5 Stars Colour 2019

Features of our Life Insurance Cover

Here are just some of the benefits of our life insurance cover.
  • Active Rewards

    Earn cashback and rewards on plans with Wellness Optimiser – such as weekly Starbucks drinks and either Vue or Cineworld cinema tickets for getting active*

  • Guaranteed Payment

    A guaranteed payment to your loved ones on death

  • Instant Cover

    Immediate cover (dependent on your plan)**

  • Joint Cover

    Joint life insurance cover - for you and your partner

  • Medical History

    No need for a medical (dependent on your plan)**

  • Premium Discount

    An upfront premium discount of up to 60% on Whole of Life Cover and 40% on Fixed Term Cover with Wellness Optimiser*

Lifestylecare Cover

Offering protection if you’re unable to look after yourself due to a degenerative illness such as dementia, Parkinson’s, Alzheimer’s or stroke.

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Make the right choice

Not sure what level of insurance cover you need? Our Protection Calculator can help you decide.

Explore other Vitality Life Insurance options, and see what works best for you.

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Track your Activity and Earn Rewards

We believe it’s important to reward our members for keeping active later in life. That’s why we’re one of the only life insurance providers to incentivise our members to remain active.

Choose an activity tracker or download our free app and link it to the Vitality Member Zone to earn Vitality points for getting active. To give you a helping hand, we also offer discounts on Polar and Garmin devices.

As you get active, you can earn weekly rewards from Starbucks and either Cineworld or Vue. Available on Life plans with Wellness Optimiser for an additional monthly fee. A minimum monthly premium applies.*

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40% off monthly gym membership - joining fees apply

If you’re over 50, our life insurance cover could be suitable for you if you’re already active. However if you need a little kick start we've partnered with three of the UK's leading gym networks to offer big discounts on gym membership at selected clubs.

We want to make it easier, cheaper and more rewarding for our members to have a good quality of life.

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Our Reward Partners

Our Vitality partners give you discounts and cashback to help you understand and improve your health and reward you when you do.
  • Virgin Active Logo in White
  • Cineworld and Vue white logos
  • British Airways white logo
  • Starbucks white logo
  • Champneys white logo
  • Polar white logo
  • Weightwatchers white logo
  • Garmin white logo
See all our partners


Can I get life cover if I'm over 50 and I smoke?

Yes. However your premium will be higher than a non-smoker’s.
If you’d like to stop smoking, we can offer you a free stop smoking programme with our therapy partner Allen Carr.

Can I get life cover if I'm over 50 with diabetes?

Yes, you’ll still be able to get cover with us. Though this will be subject to our underwriting process**.

How much does life insurance cost if I'm over 50?

That depends on a number of factors, such as level of protection, health and age. Get tailored advice from one of our expert advisers on 0161 2167 595.

What does life insurance cover if I'm over 50?

Our life insurance plans offer flexibility to ensure we can closely match your needs and level of cover.

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0161 974 2517

Speak to a VitalityLife adviser for tailored advice.
Lines open:
8am - 9pm Monday to Thursday
8am - 7pm Friday
9am - 5pm Saturday
Closed - Sunday

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Lines are open 8am - 8pm, Monday to Friday and 9am - 5pm, Saturday and Sunday. Calls may be recorded and monitored to improve customer services. Calls from some mobile networks may vary.

*Minimum monthly protection premiums of £30 for a single policy and £40 for a joint policy apply. The premium discount and cashback are available with Wellness Optimiser for an additional monthly fee of £4.50 per person. This fee is subject to change. To find out about these charges please read our reward terms and conditions. The rewards mentioned are available with Wellness Optimiser.

**In certain circumstances we may require more information before the application can be fully underwritten. In this scenario there may be a delay in cover until we have obtained and are able to confirm certain details.