We’re the only over 50 life insurance provider with no waiting period1, which means you can get full cover from day one.
Claiming is straightforward to make it easier for your loved ones.
You’re covered from day one for the whole of your life, so once your policy is in place you can sit back and relax.
Designed for UK residents aged 50 to 80, Cover Today Over 50s Life Insurance is simple cover that’s in place from day one. So, unlike other over 50s life insurers, you have full protection instantly1. Depending on your age, you could get up to £22,000 of cover. This could help your family with debts, bills, or funeral expenses – or it could be used to leave some money behind.
Buying life insurance might not be the most exciting thing to do. But it is important. That’s why we’re here to make it as straightforward and easy as possible to get. There are only a few health questions and once you're accepted, you can get on with more interesting things in life, knowing you have protection in place to help your loved ones when you're gone.
As a way of saying ‘thank you’ for choosing Cover Today, you can claim a £125 Gift Card*
You choose a benefit amount that suits your needs, with a monthly premium you can afford. As soon as you buy your policy you’re protected – we’re the only over 50s insurer in the UK that provides full cover from day one1. There are no medical or blood tests needed, we just ask a few health questions.
Cover Today provides whole of life protection. This means you’re covered from the day you take out a policy until the end of your life. All you need to do is keep up with your monthly payments. Prices start from just £4.42 per month2 and with level premiums, the cost of your cover will never go up3. You can get a quote and buy protection in one quick call.
We understand that everyone has different needs. That’s why with Cover Today Over 50s Life Insurance, you have two options of how you would like your cover to work. Find out more below or read our helpful guide on over 50 life insurance.
If you have an exact budget that you would like to stick to, then a level policy could be for you. With this type of policy, what you pay and how much we pay out stay the same throughout the policy.
If you decide to go with the Increasing Benefit Option, your monthly payments and your benefit amount will increase each year. This can help to combat some of the effects that inflation could have on your policy.
You don’t need to spend a fortune to find cover that’s right for you. With Cover Today, you can get affordable protection that starts from just £4.42 per month2.
How much your life insurance will cost you depends on your individual circumstances. Your monthly premiums can be affected by:
Not sure how much protection you might need? Our life insurance calculator can help you quickly work it out.
Here are the answers to some of the most common questions we get asked about Cover Today Over 50s Life Insurance.
Cover Today Over 50s Life Insurance is protection designed for UK residents aged 50 to 80. It helps you to protect your loved ones from funeral expenses and other debts or to leave a gift behind. Depending on your age, you could get up to £22,000 of cover. Unlike other over 50 life insurers, you will have full protection for death by any cause from day one1.
Find out more about Cover Today Over 50s Life Insurance with our free information pack. It tells you more about how the cover works and breaks down the key features and benefits of Cover Today, so you can make an informed decision that’s right for you.
Our friendly UK-based team can give you a personalised quote today. We’ll walk you through your options and explain everything clearly. That way you can make an informed decision about your cover. When you’re ready, we can get everything in place in a quick call. There are no medicals or blood tests needed, we just ask a few health questions.
You’ll be covered immediately1. That means that you can put it out of your mind and get on with much more interesting things, knowing your family has some financial support if the worst happened. If you’re ready to get Cover Today, you can call us on , Monday to Friday from 8am to 9pm, Saturday from 9am to 6pm and Sunday from 9am to 5pm (excluding bank holidays). Or click the button below to get started.
We’ll send out a claim form to be completed, signed, and returned to us. The claim will then be reviewed as quickly as possible. If we need more information, the person making the claim might be contacted.
Once the claim is approved, we will pay the benefit amount to the person legally entitled to it.
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.
Cover Today policies are issued by Scottish Friendly Assurance Society Limited, winner of Best Mutual Insurer in the CFI.co 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 covertoday.co.uk/compare-over-50-life-insurance/
For a 50-year-old non-smoker with £1,000 of cover.
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.
Please note that the Cover Today Health and Wellbeing services do not form part of your life cover contract and it could be changed or removed in the future. This is a non-contractual benefit from Cover Today and can be withdrawn at any time.
If you choose an unattended cremation, please note that the £300 contribution will not apply. An unattended cremation means there is no funeral service, funeral procession (or other services such as family viewing, limousine(s), embalming or delivery of ashes). The cremation is arranged at a crematorium at a date and time chosen by the appointed funeral director without anyone attending other than the funeral director’s staff.