Looking for cover?

If you’re a UK resident aged 50 to 80 you can call us on to get a quote. Alternatively, you can request a callback and we'll phone you at a time that suits. 

Our UK-based Sales team is available Monday to Friday from 8am to 9pm, Saturday from 9am to 6pm and Sunday from 9am to 5pm (excluding bank holidays). 

For any other questions, please email enquiries@covertoday.co.uk.

Existing customer? 

To talk to us about your existing policy or to apply to make a change, call us on 0800 470 4367.

Our Customer Service team is available Monday to Friday from 9am to 7pm, excluding bank holidays.

You can also reach us via email at service@covertoday.co.uk.

You can read our Flexible Trust Form here and our Guide to Trusts here.

Flexible Trust Form

A Flexible Trust is a legal arrangement which allows the owner of a life insurance policy to give their policy to a trusted group of people to manage it.


Guide to Trusts

Learn more about what a Trust is, how it works, and some of the advantages and disadvantages of putting your policy into a trust with our helpful guide.

Learn more


A claim should be made as soon as possible after the death occurs. To start the claims process, please contact us in one of these ways:

We’ll send you a form to be completed, signed and returned with supporting documentation. After the claim is approved, payment will be made to the person who is legally entitled to it, and we will refund any premiums paid between the date of death and the date the claim is paid. 

Money worries?

We understand that when it comes to finances, it can be hard to plan for everything. If you are struggling with paying for your policy, have recently missed a payment or think you might do soon, please get in touch with us. It can happen to anyone so it’s important to get in touch as soon as possible so we can discuss the options available to you. After all, we are here to help. 

Get a quote for Over 50s Life Insurance today