British Seniors Over 50 Life Insurance Reviews 2025

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 16th September 2025

Find out about British Seniors Over 50 Life Insurance Reviews, Customer Experience, and Policies Available.

About The British Seniors Insurance Agency and the Over 50s Plans

British Seniors is an insurance agency that’s part of Neilson Financial Services, UK-based and regulated by the FCA (Financial Conduct Authority). British Seniors issue over 50s Plans; however, the plans are underwritten and administered by the Scottish Friendly Assurance Society.

British Seniors Review Data For Early 2025

Review Platform	Review Quality And Number
Trustpilot	21,627 Reviews With An Overall Rating Of Excellent
Feefo	15,940 Reviews With An Overall Rating Of Exceptional And Service Rating Of 4.9/5
Reviews.io	728 Reviews, With A 4.8 Rating Out Of 5. 96% Of Reviewers Recommended Them.
SmartMoneyPeople	A Score Of 3.76 Out Of 5, But This Is Based on Only 13 Collected Reviews.
Fairer Finance	3 Out Of 4 Stars With An Overall Positive Customer Experience.

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Without life insurance protection, would your loved ones be able to do the following if you weren’t around to make a financial contribution?

Pay off the mortgage
Clear any outstanding debts in your name
Fund their current lifestyle
Buy a new home
Plan for a funeral
Deal with inheritance tax

Online Reviews on British Seniors Life Insurance Summary

Feature/Products	Notes/Explanation
Products Offered	Over 50 Life Insurance Funeral Insurance Plan Seniors Term Life Insurance
Over 50 Life Insurance Cover	– Guaranteed acceptance for UK residents aged 50–80 – Simple to arrange with one phone call – Zero health or medical questions – Guaranteed cash payout – Immediate cover for accidental death – Affordable coverage from £4.32 per month – £125 Gift Card for new policyholders – FREE Will Kit valued at £100
Seniors Term Life Insurance Cover	– Get up to £100,000 of cover – Health and lifestyle questions determine if you are eligible – FREE Healthcare Services come with your policy – Immediate cover for accidental death
Key benefits of getting Over 50 Life Insurance	– Guaranteed to be accepted – No medical or health questions – 100% claims are paid – this is guaranteed
Things you should consider	– Inflation may reduce the value of coverage – You may pay in more than they pay out – If you cease your monthly payments, you will receive nothing back
The Free £300 Funeral Benefit Option	– Gives a FREE £300 contribution towards the cost of your funeral – Excess benefit amount that is not used for your funeral will be paid to your family or next of kin
How to secure Over 50 Life Insurance	– Call 0800 803 0052 – Buy a policy online
The Claims Process	– Contact them by phone or email – Complete and return the claim form – Once accepted, the benefit amount will be paid in full

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Is British Seniors Insurance Any Good?

While the firm is an insurance intermediary, the Key Facts brochure states that customers will not receive advice or any recommendations on life insurance products.

British Seniors have been recognised as a Feefo Platinum Trusted Service since 2020, acknowledging a commitment to excellent customer service. They currently have a 4.9/5 customer experience rating.

Most customer feedback and ratings for the British Seniors Over 50s Plan acknowledge being able to speak with the friendly, informative staff who have up-to-date knowledge of the available products, without feeling pressured into buying plans.

Feedback confirms fast response times and service delivery once a plan is implemented.

The company website features an easy-to-use quote form, enabling you to purchase life insurance for over 50s online.

British Seniors customer service is free if you have further questions or prefer to get quotes over the telephone.

British Seniors Over 50s Platinum Feefo Award

What is over 50s Life Insurance?

Life insurance tailored for those over 50 pays out a lump sum to designated beneficiaries should you die—the payout results from paying regular monthly premiums throughout the fixed-term policy.

This type of insurance for this age group can cover funeral costs, pay off outstanding debts or leave money as a gift to loved ones.

Effectively, it gives peace of mind to your loved ones, knowing there will be nothing financially to pay following your death.

Get A Quote In Minutes And Compare Life Insurance Deals.

Amount of cover?*Choose an amount that reflects your financial needs in the event of a claim. For instance you might want to pay off a mortgage or debts, or leave a lump sum to your family
First Name:*
Last Name:*
Date of Birth*Your age is one of the factors used to calculate your premium. You must be aged between 18 and 80.
Day
Month
Year
Email*
Phone Number*
Our price match promise means we will find you the right cover for your personal circumstances at the lowest price possible. Terms & Conditions and Privacy Policy

About the British Seniors Over 50 Life Insurance Plan

The over 50s Plan from British Seniors provides a range of benefits for consumers over the age of 50.

Those include:

Immediate cover for accidental death
Cover for any cause of death after 12 months of taking out a policy
British Seniors over 50s gives you the ability to cancel your policy after 15 years or from the age of 80, whichever is later, for 50% money back
Guaranteed acceptance for those between 50 and 80 years old
Benefit amounts from between £1,000 to £20,000
Claims approved in just a few days
Three times cover for any accidental death
No requirements to undertake a medical, and so no health exclusions
No increases – the price you are quoted and accept stays the same for your life
Free cover after the age of 95 as premiums do not need to be paid, and you have protection for life

Funeral Benefit Option

A £300 Free Funeral Benefit is available in partnership with Golden Charter. If your sum assured is £10,000, you will have £10,300 towards your funeral costs and the funeral benefit option. It is only payable if you choose a funeral director from Golden Charter.

Sliding Scale Policies Based on Age

While British Seniors guarantees acceptance for anyone over 50 years old, with no medical requirement, the firm does have upper cover limits. It uses a sliding scale to determine the maximum amount of coverage a person will be eligible for.

For those aged 50 to 54, the maximum benefit amount for British seniors over 50s is £20,000, dropping to a maximum of £17,000 for those aged 55 to 59. The highest cover level for applicants aged 75 to 80 years old is £6,000.

Which is the Best Over 50s Plan?

There is no one-size-fits-all life insurance for over 50s. An Over 50s plan is only good for those over 50 with existing medical health problems that would increase standard life insurance products.

The reason is that these are the only types of life plans with guaranteed acceptance without medical insurance and a guaranteed payout.

The payment amount is less than a comprehensive insurance provider can offer cover. The premiums on the over-50s plans can be lower, but that is because of the lower payout, and in all likelihood, the benefit amount may only provide enough coverage for part of the funeral expenses.

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British Seniors Over 50’s are comparable to other life insurers, including Sunlife, Legal and General and Royal London.

As specialists in the over-50s space, they excel not only on price but on a unique policy feature that is a real differentiator:

No other over 50 life insurance providers offer a three times accidental death cover

Overall, British Seniors are offering the same product as you will have seen in UK TV adverts but with one key difference:

Instead of a policy tie-in, it is possible (after 15 years) to cash your policy in for half the premiums paid toward the policy refund.

FAQ:

Is it worth taking out life insurance after 50?

Life insurance is tailored to your circumstances. If you have financial commitments that you do not want your children to deal with should you die, this could be a valid reason to take out life cover.

Paying for funeral costs and wishing to leave a monetary gift for your children or grandchildren are essential considerations when taking out any life insurance over 50 years old.

Are British Seniors Any Good?

According to Feefo, a trusted online consumer website for independent reviews, British Seniors life insurance reviews are rated 4.9/5 based on almost 16,000 reviews from existing customers. British Seniors also has a current Defaqto Rating, which makes it one of the best life insurance companies in the UK.

If I outlive my life insurance, what happens?

Outliving the maturity date of your life insurance policy means your family and loved ones will not get any money should you die. One option is a return of premium policy known as ROP. It pays back premiums should you die after the plan’s maturity; however, it is more expensive than standard life cover.

How much does life insurance for over 50 cost?

British Senior’s life cover life insurance for the over 50s can start from £4.32 a month. By completing simple online quote forms from online life insurance providers, you can compare premiums from insurers who can provide you with the most competitive price for a policy tailored to your needs.

At what age is it best to stop paying life insurance?

Many life insurance providers, like British Seniors, offer term life insurance that does not expire until you reach 95 years old. If you keep paying the premiums, your policy remains valid and in place.

Who can take out over fifties insurance?

It depends on the providers. With British Seniors, as long as you are a UK resident and aged between 50 and 80, you can take out insurance either as a single policy or as a joint policy with a civil partner or spouse.

What does not cover under over 50 life insurance?

Different providers have differing criteria. Many may include a 12-month clause. This clause states that if your death results from an accident within 12 months of the policy start date, a payout will not occur; instead, premiums are typically refunded.

British Seniors Insurance Company Further Information:

https://www.britishseniors.co.uk/

Address: Landmark Place, High St, Slough SL1 1JL
Company number: 07986483
Hours: Open 9 AM – Close 8 PM

Phone: 0333 323 2165