Man reading a book to 2 children while smiling and laughing. Man reading a book to 2 children while smiling and laughing.

Simple, real protection

Cover Today Over 50s Life Insurance is designed to make protecting your family effortless. Whether it’s for funeral expenses, household bills, or a way of leaving some money behind, we can help. Unlike other over 50s life insurers, there’s no waiting period1. When you buy a policy, you’re covered instantly. 

There are no unnecessary forms to fill out, or medicals or blood tests. We just ask a few health questions. And with level premiums, your monthly payments never go up2. It only takes a quick call to get your cover sorted. Once you have it, you can enjoy the best things in life, knowing that your family have the protection they need to help with funeral costs and other expenses.

What makes us different?

Protecting your family is one of the most important things you’ll do in life. So why wait around for your life insurance to kick in? We're the only Over 50s insurer in the UK that provides full cover from day one1.

We understand that life insurance can seem confusing, but it doesn’t have to be. We’ve worked hard to make our cover simple, all we'll ask you is a few health questions. So you can get your cover in place quickly and get on with more exciting things. We’re proud that not only do we provide day one cover, but our policies are also issued by the Best Mutual Insurer 2023^, so you can trust that you’re in safe hands. 

  • No waiting period – Unlike other Over 50 Life Insurance companies, we offer full cover from day one1, so you can enjoy protection with no waiting period 
  • Straightforward claims process – Claiming is simple to make it easier for your loved ones
  • Whole of life cover – Once your application is accepted you’re covered from day one for the whole of your life as long as you continue to pay your premiums
  • Level premiums – So unlike other things in life, what you pay stays the same2
  • Get up to £22,000 of cover, depending on your age
  • You’re covered for up to 2x your cover amount for accidental death from day one (up to £44,000)
Mother and son cooking a barbeque in the garden while smiling.

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 – of course, if you keep up with your payments, then your cover will be paid in full
  • 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



For immediate protection, choose Cover Today


Cover Today policies are issued by Scottish Friendly Assurance Society Limited, winner of Best Mutual Insurer in the UK for the past five years in a row.


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


Prices stay the same unless you choose our Increasing Benefit Option. If you choose this, your premiums and benefit amount will increase each year to help combat inflation.