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Life insurance for over 50s and seniors

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.

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

Features of our Life Insurance Cover

Here are just some of the benefits of our life insurance cover.
  • Discounts and rewards

    Access a range of discounts and rewards to help you lead a healthy lifestyle

  • 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

  • Get discounted premiums

    Add Optimiser to your plan and get:
    Up to 30% off your term life insurance premiums
    Up to 40% off your whole of life insurance premiums.

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.

More on LifestyleCare Cover

Make the right choice

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

Learn more

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 rewards like Apple Watch and Waitrose & Partners. Available on life plans with Vitality Plus for an additional monthly fee*.

Learn more

Our Reward Partners

Our Vitality partners give you discounts to help you understand and improve your health and reward you when you do.
  • Virgin Active Logo in White
  • Champneys white logo
  • Polar white logo
  • WW 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.

Phone icon Call us on
0161 974 2517

Speak to a VitalityLife adviser for tailored advice. 
Lines open: 
Monday to Thursday 9am-7pm, Friday 9am-5pm, Saturday 10am-2pm
Sunday and bank holidays: Closed

Request a call back
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.

*To get Vitality Plus, you'll need to:
  • Pay at least £45 a month for an individual plan, or £60 a month for a joint plan, and;
  • Add Optimiser onto your life insurance plan and;
  • Pay an extra fee of £4.75 a month.
**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.