Comparison Table

Our comparison table below shows a comparison of product features for all of the big Over 50 Life Insurance providers in the UK.  There are other smaller providers but these are the big names that the vast majority of people buying Over 50 Life Insurance in the UK buy from.  We’ve highlighted the key product features in the table and explain what each of these means in our Guide to Buying Over 50 Life Insurance and our Guide to Comparing Over 50 Life Insurance Products

Features British Seniors Legal & General Post Office Royal London SunLife
Age range 50 – 80 50 – 80 50 – 80 50 – 80 50 – 85
Premiums start from £3.72 £5.00 £7.00 £3.95 £3.70
Full cover after 2 Years 1 Year 1 Year 1 Year 1 Year
Payout if die before full cover Premiums Paid Premiums Paid 1.5 x Premiums Paid Premiums Paid Premiums Paid
Payout if die from an accident 300% 100% 100 – 200% 100% 100%
Funeral Benefit Option £300 £300 £300 £300 £300
Gift £75 £85 £100 £100 £100
Premiums stop age 95 90 30 Years or 90  90 Never
Allow Premiums to be Reduced Yes Yes  Yes Yes Yes
Ability to stop paying and get something back Yes No  No Yes No
Ask medical questions No Yes  No Yes No
Different price if you smoke No Yes  No Yes No
Maximum cover level £20,000 £10,000  £10,000 £10,000 £18,000
Percentage of claims paid out 99% 98.6%  96.8% 96.8% 100%
Our View Largest maximum cover amount but expensive Standard features well priced for Non-Smokers Standard features but expensive premiums  Good features well priced for Non-Smokers Standard features well priced for Smokers
Summary
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Best Over 50 Life Insurance Product Comparison
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