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Put plans in place now to help pay for your funeral or leave a gift when you're gone with our life cover for the over 50s
Over 50s Life Cover from Post Office is a simple way to leave your loved ones a cash sum gift to settle unpaid bills or help pay for your funeral when you die. If you're aged 50 to 80 and a UK resident, you can get cover in place straight away.
An Over 50s life cover policy provides a fixed lump sum when you die, helping you to care for your loved ones.
Get at least half your cover amount when you die, even if you have to stop paying your monthly premiums
Pay at least half your payments for a protected benefit on Over 50s Life Cover. Halfway is between the policy start date and its anniversary once you turn 95
Get up to £10,000 of cover, depending on your age
There are no medical checks or tests. We’ll accept you if you’re a UK resident aged 50 to 80
Immediate cover for accidental death plus death by any cause after 12 months+
You can pay from just £5 per month for your Over 50s Life Cover – that’s just £1.15 per week++
Add Funeral Benefit Option and get a discount towards your funeral costs of up to £250<
Post Office is proud to have won the Best Insurance Provider at the YourMoney.com Awards in 2023, which makes it 15 years in a row<<
If you’re planning to use the cash sum from your Over 50s Life Cover to help pay for your funeral, consider adding the Funeral Benefit Option to your policy at no extra cost.
When the time comes, the cash sum from your policy will be paid to Co-op Funeralcare. They’ll put your funeral plan in motion, help your family through all the arrangements and, depending on the type of funeral you choose you’ll get a discount towards your final funeral costs of up to £250>
We all know life cover is there to support your loved ones should the worst happen. At Post Office, we know there's more to it than just financial protection. With a life cover policy from Post Office, you'll have access to the following additional services at no extra cost:
It's one-to-one, long-term support from a dedicated personal nurse for you and your family in case of serious illness or bereavement.
In these most difficult times, a nurse from an independent nursing service will provide support if you lose someone and help your immediate family if you pass away.
They'll also be there for you if you're dealing with a serious illness such as cancer, cardiac condition, stroke or multiple sclerosis.
The experienced nurse can give lots of practical advice and emotional support. And if beneficial, a course of assessed therapy or counselling can also be provided. And you can use the service without ever having to claim on your policy, at no extra cost.
Access to the health and wellbeing service is designed with your physical and mental wellbeing in mind.
At no additional cost, you'll have access to a 24/7 Online GP (UK registered), a Nutrition and Fitness professional to get you to your goal, and a Mental Health and Health Check specialist 365 days a year.
There's no cap on how often you use these services; your partner and any children up to age 21 can use them too.
These services are separate to and don’t form part of the policy contract. They’re available to policyholders for free but may be withdrawn at any time.
It’s quick and easy to get a quote for Post Office Over 50s Life Cover online.
Monday to Friday: 9am - 8pm
Saturday: 9am - 5pm
Closed on Sundays and bank holidays
Post Office Over 50s Life Cover is a simple way to leave your loved ones a cash sum gift to settle unpaid bills or help pay for your funeral when you die.
If you’re aged 50 to 80 and a UK resident, you can get cover in place straight away. Just choose how much cover you’d like to leave behind. Depending on your age at the time of your application, you can choose an amount up to £10,000.
When you pass on, your named beneficiary (usually a family member) will make a claim by filling in a claim form. Providing all the conditions are met and supporting information is submitted, we’ll give your payout to them.
If you've bought a policy and you're struggling to keep up with premiums, talk to us. We may be able to reduce them, although this could affect the size of your payout.
We won’t ask about your health when you apply for an Over 50s policy.
Your Post Office Over 50s Life Cover policy continues for the rest of your life.
You need to keep making monthly payments until either:
You can apply for a maximum cash sum of up to £10,000, depending on your age, when applying for cover.
| Age at application date | Maximum cover amount |
|---|---|
| 50-69 | £10,000 |
| 70-74 | £9,000 |
| 75-80 | £6,000 |
There’s a fixed payment term for Post Office Over 50s Life Cover. You pay to the policy anniversary date after you turn 95 or until you pass away – whichever comes first.
Losing a loved one is a difficult time. The last thing those you leave behind need is a drawn out claims process. When the time comes, we'll make it easy for your representatives to claim the cash sum from your policy.
If you've recently lost someone and need to claim on their behalf, find out more about making a claim on our Life Cover help and support page.
Protect your family
Life shouldn't stop for your loved ones if the unexpected happens to you. Let's make sure they'll be financially secure if the worst happens.
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*0330 & 0345: Calls to 03 numbers will cost no more than calling a standard UK number starting with 01 or 02 from your fixed line or mobile and may be included in your call package. Calls may be monitored or recorded for training and compliance purposes.
+ We only pay out on death. There is no cash-in value at any time. In the event of death by accident, we will pay 2 times the full cash sum. In the event of death by natural causes, where death occurs in the first 12 months from the policy start date, we will pay 1.5 times the total premiums paid towards the cover. In the event of death by natural causes, where death occurs after the first 12 months from the policy start date, we will pay the full cash sum.
We will stop collecting payments on the policy anniversary date on or after you reach age 95 or when you die, whichever is sooner. If you stop making your payments your cover will end and you’ll get nothing back.
For further information please refer to Post Office Over 50s Life Cover Terms and Conditions. If you apply for cover, you will also receive them with your policy documents.
The Funeral Benefit Option is not regulated by the Prudential Regulation Authority or Financial Conduct Authority.
++ £1.15 a week equals £5 monthly, for a 50-year-old non-smoker, £1,000 minimum cover
Depending on how long you live, you could pay more in monthly payments than the cash sum we pay out when you die. The cash sum you choose is fixed and inflation (the rising cost of goods and services) will reduce its value over time.
> Depending on the type of funeral plan chosen with Co-op Funeralcare, applicable discounts available are: £250 for Tailored funerals, £100 for Essential funerals and £50 for Direct to Cremation funerals.
>> These services are not part of the product contract and can be withdrawn at any time without notice. Post Office Here to Help (provided by RedArc Limited) and Post Office Health and Wellbeing Services (provided by MediPartner Limited) are independent health and advisory services and are not regulated by the Financial Conduct Authority.
<< In the last 15 consecutive annual YourMoney.com Awards, Post Office were shortlisted for our protection product features and price, before being judged by a panel of readers on the quality of service provided. There was no award in 2020.
Post Office Over 50s Life Cover is underwritten by AIG Life Limited and jointly administered by Neilson Financial Services Limited and AIG Life Limited. If you buy Post Office Over 50s Life Cover in a Post Office branch, it is arranged and sold by Post Office Limited and Post Office Management Services Limited. If you buy Post Office Over 50s Life Cover over the telephone or online via the Post Office website, it is arranged and sold by Neilson Financial Services Limited, following an introduction by Post Office Limited. If you buy Post Office Over 50s Life Cover online via a price comparison website, it is arranged and sold by the firm that provides the price comparison website services.
Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered office: 100 Wood Street, London, EC2V 7ER.