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Cover Today Over 50S Life Insurance Review

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Cover Today Over 50S Life Insurance Review

Complete 2026 review of Cover Today over 50s life insurance. Cover Today is a specialist over 50s provider offering guaranteed acceptance life insurance for UK residents aged 50-80 with cover up to £22,000 and no medical exams required. With an 'Excellent' 4.9/5 rating on Trustpilot from 5,000+ customer reviews, Cover Today provides straightforward service with full cover from day one (except self-inflicted death in first 12 months). However, Fairer Finance rates them 3/5 stars suggesting their policy may lack comprehensive features compared to other market options. Our specialist team can compare Cover Today alongside 40+ other providers to ensure you get the most suitable over 50s life insurance for your needs at competitive rates.

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

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A must-read review of Cover Today over 50s life insurance 2026

Cover Today over 50s life insurance is a type of policy that can assist you leave a cash cash payment to family members upon death[1].

It’s designed for UK residents aged 50 - 80 and offers up to £22,000 of cover depending on your personal circumstances and budget.

Many people purchaseover 50s life insuranceto contribute towards:

Cover Today reviews

Cover Today is rated ‘ Excellent’ overall onTrustpilotfrom more than 5,000 customer reviews (as of 22/11/24).

Most of the reviews are positive, stating that Cover Today provide a friendly and straight-forward service.

On Fairer Finance (an expert review site), Cover Today over 50s life insurance is rated 3 out of 5 stars, which suggests that the product may not be as comprehensive as other options available on the market[2].

See Cover Today life insurance reviews compiled in the table below:

< >

Policy | !Fairer Finance | !Trustpilot | !Google reviews

---|---|---|---

Over 50s life insurance | 3 stars | 4.9 stars | 4.9 stars

Over 50s life insurance arranged through LifePro is highly rated by experts and customers on review sites. Our broker service is also rated ‘ Excellent ’ on Trustpilot, based on 80,000+ reviews.

Contact our award-winning team to learn more about the policies we have available and get your free quotes.

Over 50s life insurance calculator

Use our handy calculator to calculate how much over 50s life insurance you may need.

The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.

Consider the following when calculating your life insurance needs:

  • Outstanding mortgage balance
  • Other debts and loans
  • Income replacement for your family (typically 5-10 years of salary)
  • Children's education costs
  • Funeral expenses (typically £4,000-£10,000)
  • Any specific financial goals for your dependents

For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).

Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Cover Today Over 50s Life Insurance, and find the right level of cover for your needs at the best available price.

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Why use LifePro for over 50s life insurance quotes?

  • Whole-of-market comparison from 50+ UK insurers
  • Expert advice from FCA-regulated advisors
  • No extra cost - insurers pay our commission
  • Fast quotes in 60 seconds
  • Support throughout your policy lifetime

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.

What is Cover Today's qualifying period?

Cover Today over 50s life insurance has immediate full cover from day one, with one important exception: deaths by self-inflicted injury or suicide within the first 12 months are not covered. This means if you die from natural causes, illness, or accident (including accidental death) at any time after your policy starts, your beneficiaries receive the full payout amount immediately. This contrasts with many other over 50s providers who have 12-24 month qualifying periods where only premiums are refunded if you die from natural causes during that time. Cover Today's immediate full cover (except suicide clause) makes them attractive if you're concerned about needing cover to start quickly, though you should compare their premiums against providers like OneFamily and SunLife to ensure you're getting competitive pricing for this benefit.

Is Cover Today a reputable over 50s life insurance provider?

Cover Today has mixed reviews from different sources. On Trustpilot, they receive an 'Excellent' rating of 4.9/5 stars based on over 5,000 customer reviews, with most customers praising their friendly service and straightforward application process. However, on Fairer Finance (an expert review site), Cover Today scores only 3 out of 5 stars, suggesting their policy features may not be as comprehensive as top-tier competitors like Legal & General (4.5 stars) or Aviva. Cover Today is FCA regulated and has been operating in the UK over 50s market for many years, so they are legitimate. However, given the mixed expert reviews, it's worth comparing Cover Today's premiums and policy terms against other established providers to ensure you're getting the best value and most comprehensive cover for your circumstances.

How does Cover Today compare to other over 50s providers?

Cover Today offers ages 50-80 with cover up to £22,000 and immediate full cover (except 12-month suicide exclusion), which is more generous than many competitors' 12-24 month qualifying periods. However, comparison is essential as Cover Today's premiums may not always be the most competitive. For example, mutual insurers like OneFamily and Shepherds Friendly often have lower premiums due to their member-owned structure, while larger insurers like Legal & General and Aviva may offer additional policy features like terminal illness benefit. Cover Today's maximum age is 80, whereas Aviva accepts applicants up to 85. Cover Today's strength is simplicity and immediate cover, but their Fairer Finance rating of 3/5 stars suggests the policy may lack extras that competitors include. Always get quotes from at least 3-5 providers including Cover Today, OneFamily, Legal & General, and SunLife to compare premiums, qualifying periods, maximum cover amounts, and included features before deciding.

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