We regret to inform you that we are no longer accepting new customers.

If you are looking for a policy, Cover Today offers Over 50s Life Insurance with no waiting period. Please call them for a no-obligation quote on 0800 470 4479 or visit their website to get Cover Today Life Insurance.​

Please note: If you’re an existing customer, your over 50 life insurance policy remains unaffected. Please call Zestylife customer service on 0800 152 2191 if you have any questions.

Myths and misconceptions of Over 50 Life Insurance

When it comes to getting life insurance, you want to know that you’re making an informed decision. After all, when it comes to something as important as your family you want to get it right. With all the information about life insurance out there, it can sometimes seem confusing and separating the truth from fiction isn’t always easy. So we’re here to help clear up some of the myths and misconceptions that you’ve heard about Over 50 Life Insurance. Let’s dive in…

I’m fit and healthy, I don’t need life insurance

Even though you could be in tiptop shape now, it might not always be the way. If you were to fall ill or pass away suddenly, your family could be left vulnerable.

With Over 50 Life Insurance, you can help protect your family if the worst happened. Whether it’s for bills, funeral expenses, or even just a gift, you can breathe a sigh of relief knowing that you’ve got it sorted.

Life Insurance is too expensive

You might think that putting protection in place will break the bank but getting quality life insurance at an affordable price is possible. With Zestylife, premiums start from £4.26 a month for a 50 year old non-smoker for £1,000 benefit amount.

Not only that, but our Over 50 Life Insurance policies are issued by the Best Mutual Insurer 2020, 2021 and 2022.1 So you know you’re getting quality at an affordable price.

Insurance companies don’t pay out

Something you may have heard before is that ‘life insurance companies don’t pay out’. While it may be a common myth, it’s far from reality. At Zestylife, we care about you and your loved ones. That’s why we put you at the heart of everything we do. Our policies are issued by the Best Mutual Insurer 2020 & 2021,1 so you know you’re in safe hands.

We also make the claims process simple. Just call us or email claims@zestylife.com and we will send you, or your loved ones, a form to be completed, signed and returned with supporting documentation. Your claim will be assessed by our team of experts and handled with care and sensitivity. Once a successful claim is deemed valid, we will pay the benefit to the person who is legally entitled to it and we will refund any premiums paid between the date of death and the date the claim is paid.

It’s important to be completely honest when applying for life insurance as leaving out information could mean that your policy won’t be paid out as a result of misrepresentation. 

I’m too old for life insurance

We understand that wanting to provide and care for your family is something you’ll want to do no matter what age they are. That’s why our Over 50 Life Insurance is designed for people aged 50-80. After all, you’re never too old to help protect your loved ones.

What’s more, some insurers have a waiting period for your cover to kick. When you take out an Over 50 Life Insurance policy with Zestylife you’ll be protected from day one up to £5,000 for the first 12 months of your policy.

I have no children, so I don't need life insurance

It’s true that having children is a common reason someone might want to take out life insurance, but it’s not the only reason. Over 50 life insurance is a way to help make sure there’s money there to pay the bills, loans and debts, or funeral expenses when you’re gone. Or it can be a way for you to leave a gift behind for your loved ones.

I won’t be able to take out enough cover

You might think that there’s no point in taking out Over 50 Life Insurance because you won’t get as high a benefit as you would have if you were younger. But with Zestylife, you could take out a benefit amount up to £22,000 depending on your needs. Here’s a breakdown of what kind of benefit amount you could choose depending on your age:

  • £1,000 up to £22,000 (aged 50-69 at start date)
  • £1,000 up to £20,000 (aged 70-74 at start date)
  • £1,000 up to £13,000 (aged 75-80 at start date)

My benefit amount won’t keep up with inflation

When you take out a life insurance policy, you want to know that it’s going to be enough to help protect your loved ones when it matters most. That’s why Zestylife offer increasing over 50 cover. As the name suggests, in order to keep pace with inflation, your benefit amount will increase by 3% each year. Your monthly premiums will also increase by 4.5% each year. So you can let go of that nagging worry that your family might be left vulnerable.

Want to know more?

If you’d like to find out a bit more about how life insurance works, our Over 50 Life Insurance guides have everything you need to know. And if you’re ready, you can get a quote now or call us and one of our friendly team will be happy to help.

Please note that Zestylife is no longer accepting new customers. If you're looking to get an over 50 life insurance policy, you can get in contact with Cover Today. They offer over 50 life insurance with no waiting period. Please call them for a no-obligation quote on 0800 470 4479, or visit their website.

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Zestylife policies are issued by Scottish Friendly Assurance Society Limited, winner of Best Mutual Insurer in the CFI.co UK Awards 2020, 2021 and 2022.