About 50Life
50Life helps people over 50 understand their life insurance options and find cover that suits their needs.
Life insurance can become more difficult to compare as you get older. Prices vary, policy types work differently and some plans come with important conditions that are not always obvious at first glance.
We provide clear information about life insurance for people over 50 and connect users with a qualified life insurance adviser who can discuss their circumstances, explain their options and help them obtain a quote.
What we do
50Life is an over 50s life insurance information and introduction service.
We help people explore life insurance options without needing to contact multiple providers individually.
When you request a quote through 50Life, we ask for some basic information about you and what you are looking for. We then connect you with a qualified life insurance adviser.
The adviser can discuss your needs in more detail and look at the life insurance options available to you.
Depending on the policy, this may include questions about your age, health, medical history, smoking status, lifestyle and the amount of cover you would like.
- Age
- Health
- Medical history
- Smoking status
- Lifestyle
- Amount of cover
The policies available and the price you are offered will depend on your personal circumstances and the insurers considered by the adviser.
Why 50Life exists
There is no single life insurance policy that is right for everyone over 50.
Someone who wants a small amount of cover to help towards funeral costs may have very different requirements from someone who wants to leave a larger financial gift to their family.
Health can also make a significant difference.
The important thing is understanding the difference.
50Life exists to help make those choices easier to understand.
We explain life insurance in straightforward language and help users speak with an adviser who can consider their individual circumstances.
Clear information without unnecessary jargon
Financial products are often explained in language that makes them harder to understand than they need to be.
We take a different approach.
Our guides are written to answer real questions people have about life insurance.
We cover topics including how over 50 life insurance works, how much it can cost, medical questions, age limits, policy payouts, waiting periods and the different types of cover that may be available.
We aim to explain both the advantages and the limitations of a policy.
For example, some over 50 plans can offer guaranteed acceptance, but they may also provide relatively modest cover or include an initial waiting period.
With some policies, the total premiums paid over many years could eventually exceed the amount paid out.
These are important things to understand before choosing cover.
Helping you compare your options
Price matters, but it should not be the only consideration when choosing life insurance.
The cheapest monthly premium does not necessarily provide the most appropriate cover.
It is also important to consider the amount paid out, how long premiums are payable, any exclusions, whether there is a waiting period and what happens if you stop paying.
Our service is designed to help you look at the overall policy rather than simply chasing the lowest monthly price.
Speaking with a life insurance adviser can also help you understand options that may not be obvious from looking at an insurance advert or price alone.
Life insurance for people over 50
Reaching 50 does not mean your life insurance options suddenly become limited to one type of policy.
There are several forms of life insurance that can potentially be available to people over 50.
These can include traditional medically underwritten life insurance and specialist over 50 plans that may offer guaranteed acceptance.
May offer guaranteed acceptance
Which option is appropriate will depend on factors including your age, health, budget and what you want the policy to achieve.
- Your age
- Your health
- Your budget
- What you want the policy to achieve
This is why we believe comparison should involve more than simply showing a list of prices.
Understanding what you are buying is just as important.
Our editorial approach
Our editorial content is written to help people understand life insurance and make informed decisions.
We regularly cover insurers, policy types and common questions about over 50 life insurance.
Where we discuss a particular insurer or product, this does not mean that we recommend that company or that its products will be suitable for you.
Products, prices, acceptance criteria and policy terms can change.
You should always check the latest policy information and read the relevant documents before taking out cover.
What happens when you request a quote
Requesting a quote through 50Life is straightforward.
You provide some basic details about yourself and the type of cover you are interested in.
There is no guarantee that every insurer or policy will be available to every applicant.
Our approach
We believe life insurance should be understandable.
You should know what you are paying for, what your family could receive and any important conditions attached to the policy.
That means explaining the details that matter rather than simply focusing on the benefits.
Help people over 50 understand their options, speak with someone qualified to help and make a more informed decision about life insurance.
That is what 50Life is here to do.