No waiting period
No waiting period

We’re the only Over 50 Life Insurance provider with no waiting period1, which means full cover from day one.

Simple claims process
Simple claims process

Claiming is straightforward so the process is as easy as possible for your loved ones.

Whole of life cover
Whole of life cover

You're covered from day one for the whole of your life as long as you pay your premiums, so once your policy is in place, you can sit back and relax.

Couple preparing food in the kitchen and smiling.

Secure protection sooner rather than later

At Cover Today, we know that you don’t want to wait around to get cover. After all, there’s much more to life than worrying about what the future has in store. That’s why with Cover Today, things are simple. We’re the only over 50s provider with no waiting period. So, if you take out our Over 50s Life Insurance, you’ll have instant full cover from day one1.

Getting over 50 life insurance can seem intimidating, and we want to change that. Our friendly UK-based team will help you break down the process and show you that it doesn’t have to be all about financial forms and jargon. We believe that life insurance should be a small part of your life, working in the background providing protection to your loved ones. What else can you expect from Cover Today?

  • Benefit amounts up to £22,000 depending on your age
  • No medicals or blood tests, just a few health questions
  • Affordable – With premiums starting at just £4.42 per month2
2 friends laughing while one holds his phone out in front.

Why choose Cover Today?

Life shouldn’t be about filling out forms, getting medicals or blood tests, or spending your valuable time waiting around. Unlike other over 50 providers in the market, we want to provide you with cover from day one1. With Cover Today, you can secure easy-to-understand protection  in a matter of minutes, and as long as your application is accepted, your cover will be in place straight away. All you'll have to do is answer a few simple health questions. 

If you choose level cover for your policy, your monthly payments will stay the same throughout your policy3. Our policies also offer whole-of-life cover, which means your cover will be in place for the remainder of your life if you continue to make the monthly payments. Securing Cover Today allows you to sit back and relax knowing that there’s protection there for your loved ones.  

At Cover Today, we won’t make you wait months or years to have protection in place. We are the only over 50s life insurance provider in the UK that has no waiting period1. You can also get a high level of cover with us; depending on your age you can get up to £22,000 in protection. This could help your family with things like funeral expenses or outstanding debts. It could even help you leave behind a gift for the ones you care about most in life.

£125 Gift Card of your choice.

As a way of saying ‘thank you’ for choosing Cover Today, you can claim a £125 Gift Card*

Some things to think about

  • Please consider the benefit amount you choose, as inflation may reduce its buying power over time. However, you can choose to include the Increasing Benefit Option, which can help protect your policy from some of the effects of inflation
  • If you stop your monthly payments, you will get nothing back and your policy will be cancelled
  • Depending on how long you live, you may pay more for your cover than the final benefit amount. Our cover isn’t intended to be a savings or investment product – it’s there to provide protection if the worst should happen, and you need to consider the value of your cover if you died unexpectedly
View full policy terms & conditions

Free Info Pack

If you would like to know more about Cover Today Over 50s Life Insurance, you can get a FREE easy-to-understand Info Pack. In it, you’ll find everything you need to know about Cover Today.



Don’t waste time waiting, get your personalised quote today


Choice of £125 Gift Card, for new policy holders only, after six successful monthly payments and once your total premiums paid exceeds the value of your Gift Card. View full terms and conditions here.


You are covered for Over 50s Life Insurance from day one, once your application is successful. Compared to current market providers of over 50s life insurance, only Cover Today offer immediate cover for death due to any cause. Visit


For a 50-year-old non-smoker with £1,000 of cover.


The increasing benefit option is also available to you, which could help offset some of the effects of inflation. This will mean annual increases to both your benefit amount and monthly premium.