Can someone over 80 get life insurance?

Yes, it's possible to secure over 80s life insurance in the UK.

It's not too late to protect your loved ones from major expenses, such as funeral costs, after you're gone.

Even in the later stages of life, you may still have a number of options available to you.

Over 80 life insurance policy options available through Reassured include:

An over 50s plan may be the most suitable life insurance policy for over 80s, as this policy type guarantees acceptance to people aged 50 - 85.

You may consider whole of life insurance if you’re in your early 80s and in good health. The application process includes questions about your health and medical history.

This type of policy only pays out if you pass away during a specified term. The application process includes questions about your health and medical history.

Make the most of our award-winning broker service to compare multiple quotes for life insurance.

We can help you find the most suitable cover, at the best price. Get your free, no-obligation quotes today.

Read on to learn all about your over 80 life insurance policy options...

Do I need life insurance over 80?

As you enter your 80s you may ask whether you still need life insurance.

The answer is, it depends on your financial situation and whether you have sufficient savings.

Fortunately, people are living longer than ever before, however, this means our financial protection needs to evolve too.

Generally speaking, if you have dependants such as grandchildren, children or a partner, you’ll benefit from some form of cover.

Whilst it’s likely you won’t require life insurance to cover a mortgage there are other costs to consider:

  • Can you afford the cost of a funeral? (Average cost £4,056[1])
  • Do you need to provision for the living costs of a spouse?
  • Would you like to leave behind an inheritance?
  • Do you have outstanding debt you want to clear?
  • Do you want to avoid or minimise inheritance tax (IHT) on your estate? (40% tax on over £325,000 threshold)

How much life insurance do you need?


The average level of debt (minus a mortgage) in the UK is £15,385.

Factoring in any outstanding debts in your name when arranging life insurance ensures this burden is not passed to loved ones.


You may wish to leave your loved ones an inheritance or lump sum gift upon your passing.

Factoring in the gift amount when arranging your cover will ensure the pay out amount will be sufficient to provide your loved ones with this selfless gesture.


According to SunLife, the average cost of a UK funeral is now £4,417, whilst the total cost of dying is £9,493.

This is a 130% increase over the past 16 years and shows no signs of slowing down.

A significant cost which should be factored into the amount of life insurance you secure.


If you are one of the 65% of the UK who are lucky enough to have savings, this could be used as protection if you were to pass away.

Any pay outs from existing life insurance policies and investments can also be used as financial protection for your loved ones if you were no longer around.

Factor this into your required cover amount.


Your total cover estimate

£ 0

Let us help you find your best quotes

Best life insurance for seniors over 80

The best life insurance will vary depending on what it is you're looking to cover.

Each policy type is better suited to protecting different aspects of your life.

And the cost is heavily influenced by the type of cover you require, as well as your personal circumstances.

At Reassured, we can provide you with all the information you need to determine the best over 80 cover to meet your unique needs.

The cost of life insurance over 80

The cost of life insurance is calculated based on a number of factors.

These include:

Each of these aspects are taken into account, the level of risk would be assessed, and your premiums priced accordingly.

As a result, due to your older age, it's likely your premiums will be more expensive than your younger counterpart.

However, it's still possible to secure affordable life cover with an over 50’s plan from just 20p-a-day+.

Contact our award-winning team who'll compare quotes to help secure the best deal.

Life insurance over 80, (no medical exam)

  • Guarantees a cash pay out to your loved ones when you pass away
  • Guaranteed acceptance (UK residents aged 50 - 85)
  • No medical information required
  • Fixed premiums from 20p-a-day through Reassured

An over 50s plan offers guaranteed acceptance to all UK residents aged 50 - 85 and requires no medical exam.

As a result, this cover is ideal for anyone within this age range who has experienced poor health.

With this type of policy your family will be assured a pay out after you're gone, (as long as you pay your premiums).

The exact pay out amount you can get will depend on various factors such as your age, budget and sometimes your smoking status.

Your family could use the money from this policy to cover your funeral costs, clear outstanding debts or as an inheritance.

Premiums can stop at the age of 90 with some insurers, however, your cover would continue until you pass away.

A benefit offered through Reassured with many of our over 50s plans.

The waiting period, (before a claim can be made)

Whilst acceptance is guaranteed on an over 50s plan, insurers mitigate their risk by implementing a waiting period.

The waiting period starts at the beginning of the policy and lasts 12 or 24 months depending on the insurer.

It means if you were to pass away due to natural causes before this period has elapsed, no pay out would be made. (However, all premiums paid would be refunded).

To determine whether an over 50s plan is the best solution for you, simply get in touch.

Our team will provide you with all the information you need to make an informed decision.

Key benefit: Guaranteed acceptance for all UK residents aged 50 - 85 and no medical questions or exam on application.

Whole of life insurance over 80

  • Guarantees a cash pay out to your loved ones when you pass away
  • Greater sum assured available compared with an over 50s plan
  • Medical information is required
  • Available up to the age of 84
  • Fixed premiums from 27p-a-day± through Reassured

A whole of life insurance policy is guaranteed to pay out a cash lump sum to your loved ones after you pass away, (as long as you pay your premiums).

This policy type tends to provide a higher sum assured than an over 50s plan and is commonly used to cover funeral costs, provide an inheritance or clear debts.

Whole of life can also be used to cover any loss from inheritance tax, (if your estate is worth over £325,000).

You could also avoid or minimise inheritance tax by writing your policy in trust - meaning a quicker and larger pay out for your family.

To secure this type of cover and obtain affordable premiums as a senior citizen, you would need to be in relatively good health and without any long-standing illnesses.

Life insurance providers that offer whole of life cover for over 80s are few and far between.

However, at Reassured, we're able to help arrange cover up to the age of 84 years old.

Get in touch and we can compare quotes to help you determine if whole of life is right for you.

As with all policies, monthly premiums can vary significantly from insurer to insurer. So, it's best to compare quotes.

Key benefit: Guarantees a pay out when you pass away and you could secure a far larger pay out sum, compared with an over 50s plan, (if you're in good health).

Term life insurance for over 80s

  • Pays out a lump sum to your loved ones if you pass away within the term
  • Term length 1 - 9 years (depending on your age and the sum assured)
  • Level or decreasing term options available
  • Medical information is required
  • Available up to the age of 84
  • Fixed premiums from 33p-a-day through Reassured

The most common form of life insurance, term life insurance, provides cover for a specified period of time (the term).

Once the term of the cover has expired, the policy finishes and if you didn’t pass away, no pay out is issued.

Most insurers will provide you with term based cover if you’re aged 80 - 84. The maximum term you will be offered will vary depending on your age.

For example, if you took out cover at the age of 80 then the maximum term offered would be 9 years, whereas if you took out cover at age 84 the maximum term offered would be 5 years.

As a result, other forms of cover are likely to be more suitable/cost-effective.

To determine whether or not term life insurance is the most suitable option to suit your needs, get in touch with our team.

Over 80 life insurance vs funeral plan

Life insurance and funeral plans are very different products, both offering their own range of benefits.

The option that’s right for you will depend on your personal circumstances.

Unfortunately Reassured can't offer funeral plan cover for those aged 80 or over.

For someone over 80, a life insurance policy may be more affordable and could offer a higher level of cover than a funeral plan.

Life insurance also makes more sense if you want to leave a cash sum for your loved ones to spend how they see fit.

The table below shows the key differences between an over 50s plan, whole of life insurance and a funeral plan.

Over 50 planWhole of lifeFuneral plan
Guaranteed acceptance List icon
(aged 50 - 85)
Cross List icon
(age restrictions may apply)
No medical questions List icon Cross List icon
Quick & easy application List icon Cross List icon
Guaranteed pay out List icon
(pays out to beneficiaries)
List icon
(pays out to beneficiaries)
(pays out to funeral provider)
Financial Conduct Authority (FCA) regulated List icon List icon Cross
Funeral Planning Authority (FPA) regulated Cross Cross List icon

You may like to read our in-depth article on the pros and cons of a funeral plan for more information.

If you’re looking to cover the cost of your funeral, contact Reassured to find out the most suitable option available to you.

What happens to life insurance after age 80?

Once your life insurance has been arranged, it won't be affected by your age.

Typically, the cover agreed at application will remain valid and unchanged until a pay out is made, even after you pass 80.

However, there are two exceptions.

Firstly, most life insurance providers will only provide term life insurance until an upper age limit.

Cover arranged through Reassured has an upper age limit of 84.

If you have a term life insurance policy, it's important to be aware of how long your cover lasts and to understand at what age the cover will cease.

Secondly, some over 50s plans only require you to make premium payments for a specified number of years.

At this point in time, premium payments will cease but cover will remain in place for the rest of your life.

Typically, this is on your 90th birthday or 30 years into the policy.

This will vary between providers and it's important to review your individual policy.

Critical illness cover

Critical illness cover allows you to make a claim on your policy if you were diagnosed with a critical, yet not terminal, illness.

However, due to the high-risk to the insurer, it's highly unlikely you'll be able to arrange critical illness cover in your 80s.

Terminal illness cover

At Reassured, all term-based policies and some over 50s plans, come with terminal illness cover as standard.

This means that if you're diagnosed with a terminal illness and given less than 12 months to live, you can make an early claim.

An early pay out could be used for medical treatment, to get your financial affairs in order or simply to enjoy with your family.

Joint life insurance

Joint life insurance covers two lives simultaneously and pays out only once normally upon the first death.

Unfortunately, an over 50s plan cannot be taken out as a joint policy.

However, it may be possible for two people in their senior years to take out whole of life insurance as a joint policy.

This means there would be a guaranteed pay out when the first partner passes away.

As joint life insurance expires after the first death, the surviving partner would be left unprotected. And, at an older age (perhaps beyond their mid 80s), they may struggle to secure a new policy.

Two single policies would provide two pay outs to cover both funerals and perhaps to provide a financial gift for children and/or grandchildren.

Life insurance for elderly parents over 80

As your parents enter the later stages of life, it's not uncommon to look at arranging life insurance on their behalf.

It's possible to do this, however, the rights to the policy will remain in the policyholder’s name.

This means that initiation of the policy, changes to the policy, trust agreements and cancellation will require their permission.

The various policy types discussed previously are all available to arrange on behalf of your elderly parents. However, if medical questions are required then the policyholder will have to complete these with one of our consultants.

Simply get in touch with Reassured today to determine the options available to you.

Over 80 life insurance in trust, (avoid/minimise 40% inheritance tax)

Writing your life insurance in trust enables you to ensure that your loved ones benefit fully from your policy.

The person you place in trust (the trustee) would manage the pay out and ensure it's distributed according to your wishes.

This option doesn't cost anything and has the following benefits:

  • Avoid (or minimise) 40% inheritance tax - In the UK, if your estate exceeds £325,000 you are subject to 40% inheritance tax to the amount above this threshold. However, writing your life insurance in trust protects your sum assured from this tax bill as it won't be considered part of your estate
  • Avoid the probate process - Your family could receive the funds in just a few weeks, in time to pay for the funeral and for other urgent expenses
  • Take control - By appointing a trustee, you're able to specify exactly who you wish to receive the funds, how much and when

At Reassured we're able to offer a free trust service on the majority of the policies we sell, where our dedicated team can help you through the application and answer any questions.

Life insurance for senior citizens

There could be a number of reasons why you've decided now is the time to make financial provisions.

A major life event or the loss of a loved one may have been the prompt to research your options.

Or it may simply be that you've reflected on how your loved ones would cope financially if you were to pass away.

Particularly if you were to leave behind an elderly or vulnerable dependant.

In any case, preparing for the future financial security of your loved one's will provide peace of mind for your remaining years.

Compare quotes for over 80 life insurance

Looking for life insurance when you're over 80 can be tricky.

However, finding the right cover at the best price is still achievable by comparing quotes, (as prices can vary).

You can use an award-winning life insurance broker such as Reassured, to compare quotes from insurers, saving time and money.

We can also help you with the application process, explain any jargon and ensure that you have all the information required.

Lastly, our broker service is completely fee-free - so why not seize the day?



Related articles:

Our Providers

  • The SunLife Guaranteed Funeral Plan is an insurance policy which after two years guarantees to pay for your chosen funeral services
  • SunLife is authorised and regulated by the Financial Conduct Authority
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