Why Choose Us?

Over 50s Life Insurance icon

We are an insurer that you can trust and that has your best interests at heart

Guaranteed acceptance, no medical. With cashback from Quidco

Guaranteed acceptance, no medical. With cashback from TopCashback

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We know that looking after your loved ones when you’re gone is something that will likely be very important to you, and you’ll want to choose an insurer who you can trust and that has your best interests at heart.

At Shepherds Friendly we pride ourselves on offering products that are fair and value for money and also on delivering high standards of customer service that we believe set us apart from the rest.

Here are some of the reasons why you should choose Shepherds Friendly

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A trusted and well-established company

Established in 1826, we’ve been around for over 180 years making us one of the oldest financial mutuals in the world. From day 1 we’ve been providing families across the UK with financial security, and that isn’t going to change any time soon.

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We're a mutual, meaning we work in your interests

At Shepherds Friendly we’re owned and run by our members, and everything we do is with the interests of our members at heart. We don’t have external shareholders to pay dividends to, and this means we can focus more of what we make on offering you products and services of the highest standards.

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Excellent customer service

We promise that when you need to speak to us within our normal opening hours we’ll always be there to help. As well as our member services team we have a team of professional financial advisers on hand to offer expert guidance and advice when you need it. You’ll never be put on hold when you call and we’ll always go the extra mile for you; this is why 91% of our members would recommend us to a friend.

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Funeral benefits option

We’ve teamed up with the UK’s largest independent funeral plan provider to offer you an extra £300 worth of benefit on top of your payout when you choose our funeral benefits option. Your payout will then be forwarded to Golden Charter who will organise your funeral whilst adding the extra benefit on top.

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Quick quote and apply feature

You can get an Over 50s Life Insurance quote in seconds, and you can then go on to apply for the plan online quickly and easily. If you need any help with the process then just give us a call.

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 £50*

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.

Get a Quote

Alternatively, if you would like assistance with applying or would like more information regarding the plan, you can speak to our Member Services Team by calling 0800 526 249.


  • If your circumstances change and you stop paying the premiums, your life cover will end immediately.
  • Over 50s Life Insurance has no cash in value at any time, so if you cancel it after the first 30 days you will get nothing back.
  • Your life cover does not start until after the second anniversary of your plan start date, as shown in your plan illustration, unless you die as a result of an accident, in which case your life cover begins from the start date shown on your plan illustration.
  • This life plan is not a funeral plan and therefore may not cover the full cost of a funeral.
  • Over time, although the amount we pay out on death is fixed, this amount is likely to reduce in value because of the effects of inflation.
  • If you live long enough the total premiums you have paid may be greater than the amount payable on death.

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.