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Over 50 Life

Leave your loved ones a cash sum.

Over 50 Plan Details

When taking out Over 50s Life Insurance it really pays to go with experts you can trust. We're proud that we are the UK's No.1 Life insurance provider1 and we’ve been protecting families for over 180 years.

Some great reasons to choose us:

  • 100% of claims paid – most in 1 day
  • Premiums from £5 per month depending on age, that's £1.15 a week
  • Fixed premiums – they’ll never go up and your cover won’t go down
  • Guaranteed acceptance – with no medical questions asked
  • Full cover after just one year – immediate cover for accidental death T&Cs apply
  • Wellbeing Support. We want to help look after your wellbeing throughout the lifetime of your policy, that’s why we've partnered with RedArc Assured Limited whose registered nurses can provide you with a wide range of wellbeing services Find out more
  • Care Concierge. Free access to our team of Care Experts, this confidential and impartial telephone advisory service can help you or loved ones understand and find later life care. Find out more.

Why Over 50s Life Insurance?

Our Over 50s Fixed Life Insurance offers guaranteed acceptance for UK residents aged 50 – 80, to provide your family with a fixed cash sum after you die. This can help contribute towards funeral costs or to simply leave as a gift.

It only take a few minutes to get cover, so waste no time and get a quote today.

M&S, Argos and Amazon vouchers

Receive a £120 Gift card

After you take out cover*

Restrictions apply, see

Call us free on: 0800 316 0222

8:30am to 8pm Monday to Friday
9am to 1pm Saturday

We may record and monitor calls

Cover details

Over 50s Fixed Life Insurance at a glance

  • Premiums from £5 to £75 a month, depending on your age and smoker status. Choose a premium you can afford to give a cash sum that meets your needs.
  • Full cover payable after just one year. If you pass away within the first year, we will refund any premiums paid. However, if you die as a result of an accident then full cover will be paid.
  • Guaranteed acceptance with no medical for UK residents aged 50-80. There may be other products available if you want to answer further lifestyle and medical questions.
  • Your premiums won’t go up once you’ve taken out Over 50s Fixed Life Insurance.
  • Your cover will continue for the rest of your life, even though you stop paying premiums at age 90.
  • Flexibility to reduce your premiums if you’ve had your plan for a year and your circumstances have changed. The minimum premium applies.
  • You can have more than one Over 50s Life Insurance plan with us, so long as the total cash sum value across all Legal & General Over 50s Life Insurance plans doesn't exceed £10,000. It’s important to note that if you already have an existing plan taken out on or before 25 November 2017 please refer to your Policy Terms & Conditions for your total sum assured value.

Things you need to know


  • Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
  • This is not a savings or investment product and has no cash value unless a valid claim is made.
  • If you stop paying premiums when due, your plan will be cancelled and you won't get anything back.
  • The cash sum is fixed, so inflation will reduce its buying power in the future.
    Over 50s Fixed Life Insurance is not designed to meet the full costs of a funeral, and does not guarantee to do so.
  • If you choose to reduce your premiums, your cash sum will also be reduced.

Please read the key documents before you apply.

Get an Over 50s Life Insurance quote online

The 'cost of dying' is on the increase

When you've spent all your life taking care of your loved ones, the last thing you'd want is to leave them with financial worries.

It pays to plan ahead and think how your loved ones would afford to pay for your funeral. With Over 50s Fixed Life Insurance, you could provide a cash sum to your loved ones to help at a difficult time.

The average cost of a funeral in the UK in 2023 was £4,4501. If funeral costs keep going up at the same rate as they did between 2011 and 2023, the average funeral could cost £6,259 by 20332

It's important to know that the Over 50s Fixed Life Insurance is not designed to meet the full costs of a funeral, and does not guarantee to do so.

Rising funeral costs UK 2013- 2033

1Legal & General Research, 2023.

22033: Forecast based on average annual compounded growth rate of 3.47% each year between 2011 and 2023.

The above amounts are used for demonstration purposes and may not reflect the true market values at any specific time.

Depending on your circumstances, your family or partner may be eligible for state support in paying for funeral costs.

More information can be found at

What is Wellbeing Support?

The wellbeing of our customers is extremely important to us and that’s where Wellbeing Support comes in. We’ve partnered with RedArc Assured Limited, whose registered nurses can provide you with a wide range of wellbeing services. Here's some quick facts about our Wellbeing Support.

Dedicated support

Support and help from a dedicated nurse can range from a reassuring chat, information, advice and guidance, to a clinical assessment and organising additional services.

Day one support

Support is included as standard from day one of your policy. 

Get the help you need

You don’t need to make a claim on your policy to get the help you need, you can get in touch with your nurse directly. 

Take a look at our dedicated Wellbeing Support hub and find out more.

Care Concierge

If you think that you or someone you know might need care, it can be difficult to know where to start looking or what your options are. Care Concierge is a confidential telephone advisory service that can help you understand and find later life care. Our Care Concierge team have extensive knowledge of the care industry and are completely impartial, allowing you to make an informed decision on the care option that is right for you.

Access to experts in later life care

Available to the policyholder, their partner, children and parents.

Tailored 1:1 impartial guidance.

Take a look at our dedicated Care Concierge page to find out more

Why choose Legal & General

Number one rosette

The UK's No.1 Life Insurance Provider

1Based on new individual Life Insurance sales in 2023, Term & Health Watch report 2024, Swiss Re.

Defaqto 5 star expert rated image

Expert rated

5 Star Defaqto rated cover, the highest rating possible!

180 years of Legal & General

Protecting families like yours for over 180 years

We’ve been around since 1836 and are one of the UK’s leading financial services companies.

Ready to get an Over 50s Life Insurance quote?

Call us free on: 0800 316 0222

Opening hours:

Monday to Friday 8:30am - 8pm.
Saturday 9am -1pm.

We may record and monitor calls.

Gift Card Terms and Conditions

If you buy our Over 50s Fixed Life Insurance we'll send you a £120 gift card. Please read the following terms and conditions before you apply.

  • This offer is only available to customers who take out Legal & General Over 50s Fixed Life Insurance online, by post or via the telephone.
  • You will be eligible for your gift card six months after your policy start date, provided you haven’t cancelled your policy and your payments are fully up to date. A letter or email will be sent to you with details of how to redeem your gift card, please allow up to 60 days for delivery of this communication. Once you have chosen your gift card it cannot be changed.
  • Legal & General reserve an absolute right to amend and/or withdraw any offer at anytime.
  • This offer is not available to Cashback customers. Cashback customers are customers who receive a cash sum when they buy Legal & General Over 50s Life Insurance via a Cashback website.
  • This offer is only available if you apply directly to Legal & General. If you apply via a Financial Adviser, or through any other website that isn’t, such as a comparison site, you will not be eligible for this offer.
  • If you have previously held and cancelled Legal & General Over 50s Life Insurance within the last 18 months, you will not be eligible for this offer.
  • Legal & General reserves the right to cancel your Legal & General Over 50s Life Insurance or your eligibility for a gift card should we discover or have a reasonable suspicion that the terms and conditions of this offer are being abused.
  • This offer is limited to one e-Gift card per policy sold.
  • You have twelve months from your policy start date to claim your gift card or you will not be eligible for this offer.
  • No cash alternative will be offered.
  • This offer cannot be used in conjunction with any other discount or offers.

Amazon Gift Card restrictions apply, see