What does my life insurance cover when over 50?
HOW PROTECTION PLANS HELP
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.
WHO IT'S FOR
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.
Features of our Life Insurance Cover
Earn cashback and rewards on plans with Wellness Optimiser – such as an Apple Watch Series 3 as well as weekly Starbucks drinks and either Vue or Cineworld cinema tickets for getting active*
A guaranteed payment to your loved ones on death
Immediate cover (dependent on your plan)**
Joint life insurance cover - for you and your partner
No need for a medical (dependent on your plan)**
An upfront premium discount of up to 60% on Whole of Life Cover and 40% on Fixed Term Cover with Wellness Optimiser*
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.*
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.
Our Reward Partners
Life insurance FAQs for over 50s
Can I get life cover if i'm over 50 and I smoke?
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?
How much does life insurance cost if I'm over 50?
What does life insurance cover if I'm over 50?
*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 £3.80 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.