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.
You just need to tell us about any medical conditions as part of your application.
Features of our Life Insurance Cover
Discounts and rewards
Access a range of discounts and rewards to help you lead a healthy lifestyle
A guaranteed payment to your loved ones on death
Immediate cover (dependent on your plan)**
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 premiumsUp to 40% off your whole of life insurance premiums.
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*.
Our Reward Partners
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?
0161 974 2517
Speak to a VitalityLife adviser for tailored advice.
Monday to Thursday 9am-7pm, Friday 9am-5pm, Saturday 10am-2pm
Sunday and bank holidays: Closed
*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.