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Over 50s Life Cover

Peace of mind for you and protection for your family, ensuring that even though you’re no longer there in person, you’re still providing a helping hand

Over 50s Life Cover

Plan today to take care of your loved ones tomorrow with over 50 life insurance

A simple way to give your family a helping hand

Our 50+ Life Cover policy gives you an easy, affordable way to leave your loved ones a guaranteed lump sum. They could use the policy to help towards the cost of your funeral, to pay off any outstanding bills or as a gift to remember you by.

Acceptance is guaranteed, regardless of your past medical history, as long as you're a UK resident aged 50-80.


  • Affordable, fixed premiums - from just 33p a day
  • It's easy to apply - get guaranteed cover without a medical
  • We pay a guaranteed cash lump sum when you die
  • Premiums are fixed and will never increase
  • After you have paid your premiums for two years, you could receive a surrender value if you decide to cash-in your plan
  • The cash sum has the potential to increase by the addition of an annual and a final bonus.

Over 50s life insurance with a Welcome Gift – Up to £75 M&S Vouchers

£75 M&S vouchersTake out a 50+ Life Cover Policy and, when we receive your first premium, we’ll send you a £35 M&S Voucher.

If you and your partner or friend decide to take out a policy each, you’ll receive vouchers worth a total of £75, again on receipt of the first premiums, just quote your partner or friend’s name in the promotional code box when applying.

See full Terms & Conditions >


Please note: The 50+ Life Cover policy is not a savings or funeral plan - there is no guarantee that the amount received would cover the costs of a funeral. Depending on how long you live, the total amount you pay in may be more than the amount payable on your death. Please also bear in mind that if you should die during the first two years of the policy, payouts are limited to the return of premiums - other than in the case of accidental death when your dependants will receive your full lump sum. You must continue to pay your premiums to maintain your life cover until you reach age 90, when you will stop paying premiums but your life cover will continue. In the unlikely event that we could not honour the guarantee (i.e. If we were declared insolvent), you may be entitled to make a claim on the Financial Services Compensation Scheme. For further information please refer to the 'Compensation' section of the Key Features.


Foresters Over 50s Life Cover is available to all UK residents aged between 50 and 80.

The 50+ Life Cover policy gives you access to Foresters Extras - a package of discretionary benefits available to Foresters' customers at no additional cost - including discretionary grants and a GP Consultation Service. Member benefits are not regulated and are regularly reviewed by us to ensure they are relevant to our members.

50+ Life Cover - In detail >>

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