Is British Senior The Best Over 50 Life Insurance Policy?

antoine fruchard Antoine Fruchard  updated on July 29, 2020

This is the ultimate review to guide you through the ins and outs of British Senior over 50 insurance. You might already know that British Senior has several different contract options. 

Some are great. Some are less useful. Some are simply too expensive.

So, if you want to get better value for money from your British Senior over 50 plan, as well as indicative quotes and tips to lower your insurance premium, then you’ll probably love the following article.

Let’s dive right in!

Is British Senior over 50 plan the best life insurance?

When taking out life insurance, there are so many things to think about. Life insurance is one of the most important insurance plans to have, as it is the best way to protect your loved ones if something happens to you. 

British Senior life insurance has a lot to offer. Here are the main points that you should look at before taking out life insurance with British Senior. 

4 Safe overall rating for British Senior life insurance

Rating CriteriaSafe RatingOur Review
Customer service satisfaction, claims and support

British Seniors has won the Platinum Trusted Service Award from Feefo for three years straight
5 star rating from Defaqto
Policy documents can be easily accessed on the website
Contact details for the services provided are available on the website
2.9/5 rating on TrustPilot
No live chat or chat bot option

Coverage options

Life insurance is provided for policyholders over the age of 50
Whole of life cover is provided
Funeral Benefit option is available
In the case of an accidental death, two times the payout sum is given to the family members of the policyholder
The payout sum reduces as the policyholder gets older

Value for money

British Seniors covers can be gotten for as low as £4.14 per month
Full cover is provided after a year
Funeral benefit option of £300 is provided
Gift cards of £75 are given to policyholders
Free will cover of £100 is provided
The policy has no cash in value

Financial strength

British Seniors Insurance Agency is a trading name of Neilson Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority.

Apps and technologies

Quotes can be taken out online
Detailed information is provided on the website
Policy documents can be easily accessed on the website
Chatbot is not available
Live Chat option is not available

Safe rating for British Senior over 50 plan Life insurance

Expert and customer satisfaction reviews for British Senior

Review organisationConsumer satisfaction rates for British Senior over 50 Life insurance Plan
Defaqto5
Experts rating for British Senior

British Senior insurance in a nutshell

In summary, here are the main features you need to know when taking out life insurance with British Senior. 

CriteriaBritish Senior details
Minimum age50 years
Maximum age 80 years
Pay-out

Average of £10,000.

Extras
  • 2X the benefit amount which is up to £20,000 is provided if death is due to an accident.
British Senior life insurance in a nutshell

How does British Senior over 50s life insurance work? 

British Senior over 50 life insurance is a whole-of-life insurance policy. The idea is to pay your life insurance with monthly installments. The day you pass away, it pays out a lump sum to pay different expenses, such as your funeral. You can also leave a sum of money to your loved ones. 

What cover British Senior over 50s life insurance? 

Your loved ones will receive a cash sum that can help towards:

  • Funeral expenses
  • A gift to loved-ones 
  • Unpaid bills, mortgages 

Here are the main features proposed by British Senior over 50 insurance:

Features proposed by British Senior over 50 planDefinition Details
Fully insured Number of years paid to be fully insured

Full cover is provided after the first 12 months.

Funeral ExpenseThis is a free service. It means that the money will go directly to a funeral director and will serve to pay for the funeral. £300
Accidental BenefitIf an accident happens within the first year or second year (if it is two years before you get totally covered), your relatives will receive the cash sum. Immediate accidental death cover is provided.
Free coverThe cover is getting free at a certain age depending on insurance companies. After the age of 95.
British Senior life insurance with free giftInsurance companies usually propose free welcome gifts when taking out over 50 life insurance.
  • £75 M&S Gift Card which is valid after six consecutive payments
  • £100 Free Will Kit
British Senior Over 50 life insurance features

How much is British Senior insurance?

How much you will pay for British Senior life insurance for over 50 depends on a lot of factors: 

  • Your age 
  • How much cover your want 
  • Some insurers will ask if you are a smoker or not.

Here is a table that recapitulates over 50 British Senior plan.

Details
Min payment£4.14
Max paymentNot Stated
Flexible paymentThe increasing Benefit Option can be chosen to help the policyholder protect his/her insurance policy from the effects of inflation.
Monthly payment – Over 50 British Senior Life Insurance

How to contact British Senior life insurance?

Here are all the important phone numbers for contacting British Senior life insurance: 

ServicePhone NumbersOpening Hours 
Get a quote at British Senior0800 803 0052

Monday -Friday 9:00 am to 8:00 pm
Saturday 9:00 am to 5:00 pm

How to claim at British Senior0800 542 7618

Monday to Friday 9:00 am to 7:00 pm

How to cancel at British Senior

0800 542 7618

Monday to Friday 9:00 am to 7:00 pm

British Senior phone numbers

What are British Senior general contact details? 

You will find in this table all the general contacts that you would need if you want to reach British Senior life insurance: 

General contacts
Mailing address

British Seniors Insurance
Landmark Place
Windsor Road
Slough
Berkshire
SL1 1JL

Social media 

Facebook, Twitter

Chatbot

No

British Senior general contacts

How to claim at British Senior life insurance? 

You will find on this table the different possibilities for reporting a claim on your British Senior life insurance: 

How to claim on your life insurance at British Senior?
When to claim?

As soon as possible

Claim by mail

Customer Services
British Seniors Insurance Agency
PO Box 4555,
Slough,
SL1 0TT

Claim by email[email protected]
Claim online

Not available

Claim by phone

0800 542 7618

Claim at British Senior life insurance

How to cancel my British Senior life insurance? 

You will find on this table the different ways to cancel your British Senior life insurance: 

How to cancel your life insurance at British Senior
Fees
  • If the insurance policy is cancelled within 30 days, the premium paid would be refunded fully
  • If the insurance policy is cancelled after 30 days, no refunds would be made
Cancel by mail

Customer Services
British Seniors Insurance Agency
PO Box 4555,
Slough,
SL1 0TT

Cancel by email

[email protected]

Cancel onlineNot available
Cancel by phone

0800 542 7618

How to cancel my British Senior life insurance?

How do I get British Senior life insurance quotes? 

Here are the different ways to get a life insurance quote at British Senior: 

How to get a life insurance quote at British Senior
Quote online

On the Home Page, Click on the "Get a quote" option

Quote phone

0800 803 0052

Get a quote at British Senior

How do I log into British Senior life insurance?

There is no Login option

Do we recommend British Senior life insurance?

British Seniors Insurance Agency is a trading name of Neilson Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority. They specialise in providing life insurance services for policyholders over the age of 50 years. They offer Whole of life cover, Funeral Benefit option worth £300, Accidental death benefit, Free cover for policyholders above the age of 95. British Seniors has 5 stars rating on Defaqto and an average rating of 2.9 on TrustPilot. There are a lot of perks associated with getting an insurance policy from British Seniors and some of them are: The Free £75 M&S voucher, The £100 Will Kit, Affordable cover, Full cover after one year. They are reliable and offer affordable services and their services are recommended for policyholders above the age of 50 looking to take out an insurance policy.