Over 50s cover
Over 50s life
insurance, straight-talking.
You've got more life to enjoy — and probably a few people you'd like to leave a little something to. YPS finds honest, guaranteed cover for the over-50s without the gimmicks or the tiny print.
“No medical, no fuss — just sensible cover for funeral costs, inheritance or a gift to the family.”
— A YPS specialist
What insurers look at
The factors that shape your quote.
- Your age (most plans accept 50–85)
- Whether you want guaranteed acceptance or full underwriting
- How much cover you'd like (typically £1,000–£25,000)
- Smoker status (affects the price, not the acceptance)
- Whether it's for funeral costs, inheritance, or a gift
- How long you'd like premiums to run
Why YPS for over-50s cover?
Over-50s policies are advertised loudly on daytime TV — but the best value is rarely the loudest brand. As a whole-of-market broker we compare guaranteed-acceptance plans and full-underwriting term policies side by side, so you actually get the right one.
- •Guaranteed acceptance from age 50 to 85
- •Fixed premiums for life on Whole of Life plans
- •Optional funeral-benefit add-ons
- •Clear guidance on when a term plan beats a guaranteed one
