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The Only Over 50 Life Insurance Provider With No Waiting Period

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At Cover Today, we’re delighted to be the only Over 50 Life Insurance provider in the UK with no waiting period. As soon as you’re accepted, you’re covered from day one1. As the only provider in the market with no waiting period, we feel like it's important to explain why we have decided to have this as a key feature of our Over 50 Life Insurance policies. Let us tell you a bit more about why.

What is a waiting period for Over 50 Life Insurance? 

Here in the UK, many Over 50 policies feature a waiting period. This is a period of time (typically between 12 to 24 months) at the beginning of the policy. Most providers will only pay out your policy's lump sum right away if you were to pass away accidentally. If you were to pass away for any other reason, you will still have to wait the 12-24 months before being eligible to receive your benefit. This isn't this case with Cover Today Over 50s Life Insurance. All we need are your answers to a few simple health questions over the phone, and once you’re accepted for cover, you’ll be protected instantly for death due to any cause. 

Take a look at our guide if you're interested in learning more about how over 50 life insurance works

Why is there no waiting period with Cover Today Over 50s Life Insurance? 

The reason we wanted to offer Over 50s Life Insurance with no waiting period was simple: our customers want peace of mind right now.  This is a purchase for the security of knowing that if the worst were to happen, your loved ones will have some form of financial protection that could offer them help at an already difficult time. When you want to get peace of mind without the fuss, a waiting period can cause you stress. 

This is what we look to address with Cover Today’s Over 50s Life Insurance. Once you've been accepted for cover and put one of our simple and straightforward policies in place, you have full protection from day one. Contact Cover Today to get a free no obligation quote for an Over 50s Life Insurance policy that is right for your needs. 

Other great reasons to choose Cover Today Over 50s Life Insurance 

We like to ensure that our customers have nothing left to fret over, but it’s not all that’s included with your policy. If you decide to get a policy with us, you can get access to a range of great benefits. As our way of saying thanks, we include a £125 gift card* with every policy for choosing us to help protect your loved ones.. What’s more, you’ll also receive access to health and wellbeing services free of charge2, in addition to a free will kit worth £100. 

Done with waiting? Get Cover Today  

If you’re thinking of applying, or even if you’d just like to know more, you can give us a call on or request a quote. We’re happy to provide you with a no-obligation quote or answer any questions you may have. If you’re considering purchasing a policy with us, you can rest easy in knowing that there are no medicals, blood tests or annoying trips to the doctor to apply with Cover Today. Just a few simple health questions and you’re good to go.  

For tomorrow’s peace of mind, get Cover 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


Health and Wellbeing Services are a non-contractual benefit Cover Today provide, which could be changed or withdrawn at any time. Once you have purchased your policy, to access the services, you must activate the policy via the app or online.