Over 50s Life Insurance icon

Over 50s Life Insurance

Est 1826

Guaranteed life cover with no medical required, and the option to receive added funeral benefits

Guaranteed acceptance, no medical. With cashback from Quidco

Guaranteed acceptance, no medical. With cashback from TopCashback

Our Over 50s Life Insurance Plan provides your loved ones with a fixed, tax-free cash lump sum when you die, designed to help with the cost of your funeral and any other expenses that may be incurred.

You can take out a policy as long as you are aged between 50 and 75, and you will be accepted with no medical questions to answer regardless of your health.

When your family makes a claim for the money we will either pay it directly to the estate, or if you choose our funeral benefits option the money will be paid to Golden Charter Funeral Services, who will add an extra £250 to the value of the fund and take care of your funeral arrangements.

Features of our Over 50s Life Insurance

Guaranteed acceptance icon

Guaranteed acceptance, no questions asked

If you’re aged between 50 and 75 at the time of application and you live in the UK permanently your cover will be approved, and we won’t ask any questions about your health or personal circumstances.

Guaranteed lump sum icon

A guaranteed cash lump sum that we'll never reduce

When you take out the plan you’ll be quoted a tax-free amount that your family will receive when they make a claim, and we promise this amount will never be reduced, as long as you continue to pay your monthly premiums as required.

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Fixed premiums for life

The premiums you pay on a monthly basis will be fixed from the start of the plan, and will not be increased throughout the term of the plan. When you reach age 90 you will stop paying your premiums but you will remain fully covered.

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Funeral benefit option

We work with Golden Charter Funeral Services, the largest independent funeral service provider in the UK to offer you an extra £250 on top of your cover when you choose to nominate them to take care of your funeral. You can opt in to the funeral benefit option when you start your application.

Cover from £10 icon

Cover from as little as £10 per month

You can become insured from just £10 per month, and you can choose a monthly premium that suits you up to £50. The higher the monthly premium you choose, the higher your level of cover will be.

Apply for a Shepherds Friendly plan online and get a Love2Shop voucher code worth up to £50* once you’ve made your first payment into the plan

Apply for a Shepherds Friendly plan online and get a Love2Shop voucher code worth up to £30*

You can redeem this online with hundreds of retailers...

Plus many more!

* Click here for terms & conditions

How to open an Over 50s Life Insurance plan: You can open a plan online quickly and securely by clicking the button below:

Before you apply for a plan you will be required to perform a quote. You can amend your quote as many times as you wish before you apply in order to change your level of cover.

Alternatively, if you would like assistance with applying or would like more information regarding the plan, you can speak to a member of our customer services team by calling 0800 526 249


  • If you stop paying your premiums your life cover will end.
  • The plan has no cash in value
  • You have no life cover within the first 2 years unless your death is accidental.
  • The final amount payable is likely to reduce in value because of the effects of inflation.
  • Your estate may get back less than you have paid in.

All references to taxation are to UK taxation and are based on Shepherds Friendly Society's understanding of current legislation and H M Revenue and Customs practice which may change in the future. For our With Profits plans investment growth is by means of bonuses, the amount of which cannot be guaranteed throughout the term of the contract. Please ensure that you read the full terms and conditions of this plan which are available from your financial adviser or by contacting us directly.