Howden Life & Health

Over 50s life insurance

Provides your family with a lump sum regardless of your current health and lifestyle concerns

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Do I need Life Over 50s life insurance?

How much should I have?

Sadly the real cost of dying is more than people think

£9,797
Total cost of dying (including professional fees and send-off costs). A simple attended funeral has reached an all-time high of £4,285.⁽¹⁾.

These costs have risen above the rate of inflation, making it increasingly difficult for families to cover funeral expenses without financial assistance.

What could be the impact?

£4,141
Average basic funeral cost (an increase of 4.7%); only 54% have enough set aside to cover it in full.⁽²⁾

However, remember to cater for future inflation or £4,141 in 10 years will cost £7,082, in 20 years will be £11,536, in 30 years £18,792 (all based on 5% inflation), so you should try to cover the future cost rather than today's.

State Benefits

A fair amount think they could get by on state benefits

1 in 2
UK adults over 50 have no life insurance coverage. This statistic emphasises the significant number of people who are unprotected, highlighting the need for life insurance to ensure financial security for loved ones⁽³⁾

How much will costs rise?

£6,880
Average burial cost in Oxfordshire (2026); planning ahead projects around £12,391 in 15 years’ time.⁽⁴⁾

(1),(2) https://www.sunlife.co.uk/siteassets/documents/cost-of-dying/sunlife-cost-of-dying-report-2025.pdf
(3) https://ageing-better.org.uk/our-ageing-population-state-ageing-2023-4
(4) Source: OneFamily funeral calculator

Choose Howden Life & Health for your over 50s life insurance

If you’d like to leave your loved ones an additional cash lump sum when you pass away, we can help deliver an over 50s life insurance policy, with premiums starting at just £10 a month.

Unlike standard life insurance, over 50s policies do not require medical disclosures or medical underwriting. Even existing medical conditions will not affect the amount paid out at the end of the policy.

And, as long as you’re aged between 50 and 80, your acceptance is guaranteed. So, get in touch today, and our friendly team of experts will take care of you.

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The benefits of Over 50s Life Insurance.

Guaranteed acceptance
No medical disclosures required
A cash lump sum for your family
Premiums start at £10 a month
Premiums can remain the same
Available to any UK resident aged 50-80

What does Over 50s life insurance do?

With an over 50s life insurance policy, your loved ones will receive a cash lump sum of up to £10,000 when you pass away.

You choose the level of cover that’s right for you, with premiums starting from as little as £10 a month. And if you’re unsure which policy would suit you best, our friendly team can guide you through your options.

Is over 50s life insurance right for you?

Because over 50s life insurance doesn’t ask for a medical disclosure, and medical conditions don’t impact the payout at the end of the policy, it can be a great option if you have existing health concerns.

If you are over 50 and are in excellent health, you may get better value from a Whole of Life Policy.

Again, though, our expert, friendly team can help talk you through finding the best option to help you get the most from your policy.