Over 50s Life Insurance

Get guaranteed coverage for your loved ones with no medical exam, affordable premiums, and a simple application process

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Secure your peace of mind
and protect your loved ones

Over 50s life insurance allows you to leave a financial gift for your loved ones, helping them pay towards funeral costs or any outstanding debts after you’re gone. It’s also a great choice if you want life insurance without the need to answer medical questions, making the process simple and accessible.

Whether you’re looking to protect your family’s financial future or ensure they aren’t burdened with expenses, this policy offers reassurance and security.

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Get a £100 gift card or Power of Attorney when you take out an Over 50s Life Insurance policy with us

When you purchase an Over 50s Life Insurance plan, we’ll thank you for being a Zenco customer with a £100 gift card or a free Power of Attorney.*

* £100 gift card available with a minimum monthly premium of £20. The gift card will be sent after six months of paid premiums. We reserve the right to withdraw this offer at any time. Terms and conditions apply

Why choose zenco?

  • Friendly GP service – Free access to virtual GP service, 24/7 telephone consultations, video consultations
  • Double your payout amount – If you die from an accidental cause we’ll double the pay

Get a quote

  • No need to answer medical questions – But if you do, you could get a better payout and full cover after just six months
  • You can receive half of your payout if you’re diagnosed with terminal illness And receive the other half after your death

Friendly GP services

As part of the over 50s life insurance policy, you can get access to our Friendly GP services providing on-demand 24/7 access to GP to improve general health and wellbeing. Six months after your policy has been active, you’ll get access to Friendly GP+ services offering a wider range of support for you and your family.

Friendly GP

  • 24/7 access to GP telephone consultations, allowing you to discuss your symptoms anytime 
  • Video consultations 
  • Private prescriptions (costs apply) 
  • Referrals to relevant consultants for further treatment 
  • Physiotherapy services, including an aches and pains helpline, a 30-minute assessment, and a personalised treatment plan 

Friendly GP+

  • Health and wellbeing support 
  • Counseling services 
  • Legal advice 
  • Financial guidance 

Get Over 50s Life Cover

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Get a quote online

It’s quick and easy to get a quote for Over 50s life insurance online with Zenco

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Get a quote via phone

Our advisors are happy to help

Mon – Fri 8am – 5.30pm

0808 175 6192

How to get Over 50s Life Insurance

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Get a quote

Enter your details and choose a payment that fits your budget from £10 to £100 per month OR choose the amount you want to leave behind.

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Apply Now

Complete the application with your details and set up Direct Debit for convenient, on-time payments

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You’re all set up! 

With an over 50s insurance policy in place, you can enjoy life with peace of mind, knowing your loved ones are protected no matter what the future holds. 

Qualifying period – standard qualifying period is 24 months, meaning for non-accidental death the payment will be made 24 months after the policy starts. The qualifying period could change to 6 months if you decide to answer the medical questions.

Over 50s life insurance explained

What is over 50s life insurance?

Over 50s Life Cover is a “whole of life” policy, meaning it guarantees a payout—a sum assured—when you pass away, as long as you keep up with your payments. 

This payout amount remains fixed throughout the policy term, along with your regular payments. 

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Husband helping ill wife

Why get it?

Over 50s life insurance is a great choice for many reasons: 

  • If you want to gift someone the money after your death 
  • If you don’t want to burden your family with funeral costs or any outstanding debts 
  • If you want life insurance but don’t want to answer medical questions 

You can also get access to our Friendly GP services providing on-demand 24/7 access to GP

How much cover can you get?

With over 50 life insurance policy the exact coverage depends on the plan you select, and your premium will remain fixed for the duration of the policy

Premiums range between £10 and £100 per month

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LPA ready to sign!

Who can apply for over 50s life cover?

You can apply for over 50s life insurance if you’re: 

  • residing in the UK (excluding the Channel Islands and the Isle of Man) and either
  • a non-smoker aged 50 to 80 years; or
  • a smoker aged 50 to 75 years 
A policy helps to minimise the financial impact of your death on loved ones.

Who will the payout go to?

You can decide who receives your payout when you pass away by making a specific nomination. If you don’t, the money will go to your estate, which could be delayed or subject to inheritance tax due to the time it takes for probate. To speed up the process, you can either nominate a beneficiary or put your policy in trust—though you can’t do both.

If you’re diagnosed with a terminal illness after the qualifying period, you can access half of your payout early, with the rest paid upon your death, without any increase in premiums or cover. 

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Top Questions for Over 50s Cover

How would my family or loved ones make a claim?

Answer:
When you pass away, the person making the claim should contact us as soon as possible. Phone us: 0333 014 6244 8am-6pm Monday to Friday excluding bank holidays. We’ll guide them through the process and explain what’s needed, such as proof of death and, for claims over £25,000, probate or letters of administration. We may also request details about the cause of death to verify the claim. It’s important that the beneficiary has access to the necessary documents to make the claim. We aim to process and pay out claims as quickly as we can. 

What happens if I stop paying premiums for my over 50s life insurance?

Answer:
If you miss a payment, we’ll alert you. If you miss three consecutive payments, your plan will be cancelled, and no refund will be issued. 

How long will I pay for the over 50s life insurance?

Answer:
You’ll need to continue making payments for your policy until you pass away. Depending on your lifespan, you may end up paying more than the payout amount. Your Policy Schedule will show the age at which this could occur. 

What is over 50 life insurance qualification period?

Answer:
Policies like over 50s life insurance have a qualifying period during which no payout is made for non-accidental deaths after the policy begins. Our standard qualifying period is 24 months, but answering the medical questions could reduce it to just 6 months. The exact qualifying period for your Over 50s Life Cover will be confirmed in your Policy Schedule.

What is considered accidental death?

Where the cause of death is confirmed to be due to an accident, rather than illness, disease, or a pre-existing condition, the death must occur within 30 days of the accident. This must be verified on the death certificate or through any additional medical evidence we may request. 

Why do people use Zenco?

Affordable

Here at Zenco, we take pride in providing services that are genuinely affordable without compromising on quality.

Our commitment to affordability ensures that everyone can protect their best interests without breaking the bank.

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    Accessible

    We believe in accessibility for all. That’s why our service is designed to be easily accessible to everyone, both physically and digitally.

    We offer an intuitive online platform for those who prefer to use a service from the comfort of their homes.

    Moreover, our customer support team is always available to assist with any queries, making the experience smooth and hassle-free for everyone.

    Amazing

    We strive to provide an amazing experience to each and every one of our valued customers. From the moment you visit our website, our commitment to excellence shines through.

    Our amazing team of dedicated professionals works tirelessly to deliver services that go above and beyond expectations.

    We continuously innovate and improve so that you can look after the things that matter with ease.

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