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Churchill Over 50S Life Insurance Review

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Churchill Over 50S Life Insurance Review

Important: Churchill no longer offers life insurance products. Existing Churchill over 50s life insurance policies continue to be covered under their original terms, with Aviva managing claims and policy administration. If you're looking for new over 50s life insurance, compare quotes from trusted UK providers with guaranteed acceptance for ages 50-85, no medical exams, and policies from just 20p-a-day.

By: Matt Taylor Project Manager Updated: 6th January 2026

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A 2026 guide to Churchill life insurance over 50

Churchill no longer offer life insurance products. Nevertheless, if you already hold a Churchill life insurance policy beforehand, it will continue to be covered under its original terms, with Aviva managing claims and policy administration.

Churchill offered over 50s life insurance as well as other types of life insurance[1].

Who are Churchill?

Churchill is a familiar UK-based insurance company, famous for their British bulldog mascot and car insurance adverts.

The insurer was founded in 1989 and now offers a range of insurance products including:

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Churchill over 50s life insurance

Churchill over 50s life insurance is similar to other over 50 policies available on the market.

It’s designed to offer cover to people over the age of 50 who want to leave a cash cash payment to family members after they’re gone.

The funds could help towards:

Frequently Asked Questions

How much does over 50s life insurance cost?

Premiums for over 50s life insurance typically range from £10-£50 per month, depending on your age, smoking status, and the level of cover you choose. Policies are available with guaranteed acceptance for ages 50-85.

Do I need a medical exam?

No, over 50s life insurance requires no medical exams or health questions. Everyone aged 50-85 is guaranteed acceptance regardless of their health conditions.

How quickly will my family receive the payout?

Most insurers pay out within 7-14 days of receiving the death certificate and completed claim form. This ensures your family can cover funeral expenses and other costs promptly.

Why did Churchill stop offering life insurance?

Churchill discontinued their life insurance products to focus on their core insurance business areas like motor, home, and pet insurance where they have stronger market presence and brand recognition (the iconic British bulldog mascot). Many general insurers have exited the life insurance market in recent years as it requires different expertise, regulatory requirements, and capital reserves compared to general insurance. Life insurance is a long-term commitment requiring insurers to maintain reserves for decades, while general insurance policies renew annually. Churchill decided to concentrate resources on their established strengths rather than compete with specialist life insurance providers. Existing Churchill life insurance policyholders are not affected - their policies continue under original terms, with Aviva now managing claims and policy administration after Churchill's life insurance book was transferred.

What happens to existing Churchill life insurance policies?

If you already hold a Churchill over 50s life insurance policy purchased before they stopped selling new policies, your cover continues exactly as originally agreed. Your policy terms, premiums, cover amount, and beneficiaries remain unchanged. Aviva now administers Churchill life insurance policies and handles all claims, policy queries, and customer service. You'll still see 'Churchill' on your policy documents, but correspondence and claims will come from Aviva. Your premiums stay the same and are still paid to Churchill (processed by Aviva). When you die, your beneficiaries claim through Aviva, who will process and pay the claim according to your original Churchill policy terms. There's no need to take any action - your cover is secure and nothing changes from your perspective except the administrative contact details. If you have questions about your existing Churchill policy, contact Aviva's customer service team.

Where can I get over 50s life insurance now that Churchill doesn't offer it?

Since Churchill no longer offers new over 50s life insurance policies, you have many excellent alternative providers to choose from in 2026. Top options include: Legal & General (AA- financial strength rating, terminal illness benefit included, trusted brand), Aviva (accepts ages up to 85, largest UK insurer, 300+ years experience), SunLife (market leader, 12-month qualifying period, optional funeral benefit), OneFamily (mutual insurer with competitive premiums, up to £25,000 cover), Shepherds Friendly (mutual society since 1826, potential member bonuses), and British Seniors (simple application, immediate accidental death cover). All these providers offer guaranteed acceptance for ages 50-85 with no medical exams required. Premiums vary significantly between providers - for example, a 65-year-old seeking £5,000 cover might pay £18-26/month depending on the insurer. Use a comparison service or broker to get quotes from multiple providers and find the best premium for your age and circumstances.

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