Does Churchill offer over 50s life insurance?

Yes, Churchill offer over 50s life insurance as well as other types of life insurance[1].

Over 50s life insurance (also known as an over 50s plan) pays out a guaranteed cash lump sum to your loved ones when you pass away.

The funds could be used to help cover your funeral costs or as a cash gift.

Churchill over 50s life insurance is available to applicants aged 50 - 85 and there’s no medical questions when you apply.

But is Churchill a good insurance company?

In this review, we explain all you need to know about Churchill life insurance to help you decide if it’s a good option for you.

Reassured can’t provide quotes from Churchill, but we can compare quotes from other leading insurers for over 50s life insurance and other policies.

Our award-winning broker service is fee-free, so get in touch to receive your no obligation, personalised quotes.

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Churchill over 50s life insurance key points:

  • Life insurance is provided by Aviva
  • Rated 4 stars by Fairer Finance[2] and 5 stars by Defaqto[3]
  • Customers receive free access to Aviva Smart Health services
  • Premiums from £5 a month depending on your age and smoking status
  • Guaranteed acceptance if you’re a UK resident aged between 50 - 85 (or 81 if you’re a smoker)
  • Sum assured (cover amount) up to £15,000 depending on your age and smoking status
  • New customers receive a £100 gift card (correct as of today’s date 20/11/24)

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:

You can buy various types of life insurance through Churchill, including term life insurance, over 50s life insurance and critical illness cover.

However, these policies are exclusively provided by Aviva Protection, an FCA-regulated life insurance provider that doesn’t sell policies directly to customers.

Churchill life insurance reviews and ratings: is Churchill insurance any good?

Churchill is rated ‘Great’ on Trustpilot, scoring 4.3 out of 5 stars overall from more than 21,477 customer reviews.

Although, it’s no surprise that most of these reviews refer to their car insurance products, rather than their life insurance.

Looking at reviews and ratings provided by experts can also help you find out whether a company or product is any good.

The table below shows expert ratings for Churchill life insurance policies, provided by Fairer Finance and Defaqto:

Product

Fairer Finance

Defaqto

Over 50s life insurance

4 star orange

5 star orange

Life insurance

80% customer experience rating (see below)

5 star orange


Fairer Finance also provide customer experience ratings for life insurance. Churchill ranks 9th out of 25 providers reviewed by Fairer Finance, based on their overall customer experience rating:

 Rating
Claims score89%
Complaints performance88%
Transparency rating64%
Overall customer experience rating80%


At Reassured, we’re rated ‘Excellent’ on Trustpilot from more than 80,000 customer reviews.

We also work with some of the UK’s highest rated insurers that offer a range of policies to suit every need. Get in touch for your free, no-obligation quotes.

Over 50s Life Insurance » Free Quotes
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Why compare over 50s life insurance quotes through Reassured?

  • Get free, no-obligation quotes from the UK’s most popular over 50s life insurance provider
  • Receive expert support from our UK-based team to help you choose the right cover at the right price
  • Our service is award-winning & rated ‘Excellent’ on Trustpilot from 80,000+ reviews
  • Benefit from our free trust writing service, available with some of the policies we arrange (avoid or minimise 40% inheritance tax)
  • In the past year, we’ve helped more than 47,000 people over 50 secure affordable life insurance
  • Over 50s life insurance quotes through Reassured could start from just £5 a month +

Reassured is regulated by the Financial Conduct Authority and is the largest life insurance broker in the UK * .

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 lump sum to loved ones after they’re gone.

The funds could help towards:

  • Funeral expenses
  • Unpaid bills or debts
  • An inheritance for loved ones
  • A retirement fund for your partner

The application for over 50s life insurance doesn’t include any medical questions and acceptance is guaranteed if you’re a UK resident aged 50 - 85 (or 81 if you’re a smoker).

As a result, it’s usually a good option for people with pre-existing medical conditions.

With Churchill, your cover will start after a 24-month waiting period. During the waiting period, you’ll be covered for accidental death but not natural death.

This is a normal feature of over 50s life insurance, but some insurers implement only a 12-month waiting period.

Also, the maximum pay out for Churchill policies is £15,000. The exact amount you can secure will depend on your age, smoking status and budget.

Churchill life insurance over 50 additional features and benefits

Protected insurance amount

Churchill will still pay out a proportion of your cover amount if you decide to cancel your policy or stop making payments after paying at least half of the monthly payments between the policy start date and your 90th birthday.

Not all insurers offer this benefit.

Access to Smart Health

This is a benefit offered through Churchill and provided by Aviva. Smart Health provides health and wellbeing services, including a 24/7 GP, mental health support, and an online fitness programme.

You’ll be able to access these services online, by phone or on the app. Smart Health is unique to Aviva life insurance policies.

Premium payments stop age 90

You’ll be able to stop paying your premiums after you reach 90, but your cover will remain in place until you pass away.

Some policies don’t include this benefit so you must pay your premiums until you pass away.

Immediate accidental death cover

As mentioned, Churchill implement a 24 month waiting period at the start of their policies.

During this period, if you pass away due to an accident then Churchill will pay out three times your cover amount and if you pass away due to natural death, Churchill will pay one-and-a-half times the monthly payments you’ve already made.

You’ll be fully covered for the full pay out after the first 24 months.

How much does Churchill over 50s life insurance cost?

According to their website, Churchill over 50s life insurance costs between £5 and £100 a month.

Like with other over 50 plans, you can choose how much you want to pay each month, and this will determine how much cover you can get (up to £15,000 with Churchill).

Other factors such as your age and whether you smoke will affect the price you pay.

The tables below show some example minimum and maximum monthly premium costs for different ages (for non-smokers and smokers).

For instance, if you’re a non-smoker aged 60 then the minimum amount you can pay each month is £6 and the maximum amount you can pay is £60.

Non-smokers (50 - 85):

Age

Minimum

Maximum

50

£5

£40

60

£6

£60

70

£9

£100

80

£16

£100

85

£21

£100


Smokers:

Age

Minimum

Maximum

50

£5

£60

60

£8

£100

70

£14

£100

81

£30

£100


As mentioned, the application for over 50s life insurance doesn’t require your medical information, which means certain lifestyle factors and your health status won’t affect the cost of your premiums.

Over 50s life insurance through Reassured also starts from £5 a month and it’s possible to secure up to £20,000 for your loved ones depending on your age and smoking status.

Very often, people take out around £4,000 - £5,000 to help cover their funeral expenses (the average cost of a basic funeral is £4,141 in the UK[4]).

The table below compares example premium prices for SunLife and One Family policies. Quotes are based on a non-smoker, taking out £5,000 of cover:

Age

Sunlife

One Family

50

£17.41

£15.00

55

£19.59

£18.00

60

£21.92

£20.00

65

£26.59

£25.00

70

£35.25

£35.00

75

£48.85

£51.00

80

£67.70

£75.00

85

£74.00
(for a maximum of £3,703 of cover)

N/A
(One Family’s maximum age is 80)


Over 50s life insurance premiums vary between insurers, so it’s important to shop around and compare quotes.

At Reassured, we can compare quotes from two of the UK’s best over 50s insurers free of charge, so get in touch to find out our best deals.

How does Churchill compare to other insurers?

Comparing different over 50s life insurance policies can help you choose the best option for you.

Here’s a comparison of Churchill’s over 50s plan with SunLife, One Family and Co-op over 50 plans:

 

Churchill

OneFamily

SunLife

Co-op

Guaranteed acceptance age

50 - 85
(or 81 if you’re a smoker)

50 - 80

49 - 85

50 - 80

Maximum sum assured

£15,000

£20,000

£18,000

£10,000

Waiting period

24 months

24 months

12 months

24 months

Age premium payments stop but cover continues

Age 90

Age 90

Age 95
(on the policy anniversary date after your 95th
birthday)

Age 95

Free funeral benefit option + contribution

Not available

Yes - £300 contribution

Yes - £250 contribution
(only available with policies taken out directly through SunLife)

Not available

Defaqto rating (out of 5 stars)

5 stars

5 stars

5 stars

5 stars

Correct as of 02/01/25

Free funeral benefit + contribution

The free funeral benefit option is not available with over 50 plans through Churchill, but it is available with some policies arranged through Reassured.

It’s a way of making sure that the proceeds from your policy are used to help cover the cost of your funeral when you pass away.

Instead of the cash pay out going to your loved ones, it will go directly to a specified funeral provider to use towards your funeral expenses.

The funeral provider will also provide a discount for using this benefit, which can be up to £300.

Get in touch to learn more about the funeral benefit option and the over 50s life insurance policies we can arrange.

Churchill over 50 life insurance free gift

If you take out over 50s life insurance through Churchill, you could be eligible for a £100 e-gift card for either Amazon.co.uk, M&S or Tesco (correct as of 20/11/24).

Churchill will only provide the free gift if your policy has been in place for at least six months and your premiums are up to date.

Many insurers offer this type of incentive to attract potential customers – we’ve provided this full over 50s life insurance with free gift guide so you can compare the various deals available.

Although it’s important to note that finding the right policy at the right price can be more financially rewarding than receiving a free gift.

Pros and cons of Churchill life insurance for over 50s

Here are some of the main pros and cons of Churchill over 50s life insurance compared to other over 50 policies:

PROs

  • Protected Insurance Amount and Smart Health benefits do not come as standard with most other policies
  • You can stop paying your premiums when you reach 90, while with some other policies you’ll need to make payments until you pass away
  • Rated 5 stars by Defaqto, which is the highest rating you can get

Cons

  • 24 month waiting period before full cover starts, while some policies have just 12 months
  • Free funeral benefit option not included and no contribution towards your funeral costs
  • Maximum cover limit is lower than many other over 50s policies
  • Rated 4 stars by Fairer Finance

It’s important to note that with any over 50s life insurance policy, there are some risks to consider, including:

  • The total amount you pay in premiums could be more than the specified total cover amount, depending on when you pass away
  • Your cover amount could reduce in value over time due to inflation

Churchill life insurance (level and decreasing)

Policy key features:

  • Available to applicants up to the age of 75
  • Provides cover for a set term (3 to 50 years)
  • Choose between a sum assured that stays the same (level policy) or decreases (decreasing policy) during the policy term
  • Comes with terminal illness cover
  • Can take out as a joint policy
  • Fixed monthly premiums from £5 a month

Not only do Churchill offer over 50s life insurance, but they also offer term-based life insurance.

This type of policy is designed to help financially protect your family if you were to pass away or become terminally ill during a set term. For this reason, you can take out a much higher sum assured than an over 50s plan.

You can choose between two different types of cover:

Level term life insurance

Provides a sum assured that remains the same throughout the policy term. Ideal for helping to cover outstanding debts (such as an interest-only mortgage), bills, family living costs, childcare fees, and funeral costs.

Decreasing term life insurance

Provides a sum assured that decreases throughout the policy term, which is ideal for helping to cover debts that reduce over time (such as a repayment mortgage). This tends to be the cheapest of the two options.

At Reassured, we can’t provide quotes for Churchill life insurance. However, we can compare multiple quotes for term life insurance (including policies provided by Aviva) to help you find an excellent deal.

Prices start from just £5 a month † . Use our award-winning comparison service for your free, no-obligation quotes.

Churchill life insurance additional features and benefits

  • £10,000 advance payment

Churchill will pay out up to £10,000 to your loved ones if there’s a delay with the full pay out after making a valid claim.

This is a unique benefit to Churchill.

  • Free terminal illness cover

This means you’re able to make an early claim on your policy if you’re diagnosed with a terminal illness and expected to pass away within 12 months.

Most term life insurance policies come with this additional feature.

  • Claims support fund

Churchill offer a payment of up to £300 to help cover unexpected costs after you’re diagnosed with a terminal illness or pass away and a claim is made.

  • Access to Smart Health

Churchill life insurance customers also receive free access to Smart Health which provides health and wellbeing services.

  • Bereavement support for children

Churchill life insurance includes bereavement support and counselling for children from Winston’s Wish, if you were to pass away while cover is in place.

Churchill critical illness cover

Churchill critical illness cover is called Critical 3. You can add critical illness cover to your Churchill life insurance policy for an extra cost.

It covers three of the most common critical illnesses:

  • Stroke
  • Cancer
  • Heart attack

If you have critical illness cover with Churchill and you’re diagnosed with one of these specified conditions, then you can make a claim on your policy.

The funds can be used towards private medical treatment, help cover mortgage repayments and household bills, or other essential costs.

If you make a critical illness claim, your Critical 3 cover will end. However, your life insurance cover will continue, and a claim can be made if you pass away or become terminally ill during the policy term.

At Reassured, we don’t provide critical illness cover from Churchill. However, critical illness cover from other insurers can be arranged through us as part of a life insurance policy. Quotes start from just £10 a month º .

Compare over 50s life insurance through Reassured

Over 50 life insurance icon

Over 50 life insurance through Reassured

Key features:

  • Guaranteed acceptance if you’re a UK resident aged between 50 and 85
  • Pay out up to £20,000 depending on your age and smoking status
  • Guaranteed pay out after waiting period (12 or 24 months depending on the insurer)
  • Immediate accidental death cover
  • Fixed monthly premiums that suit your budget
  • Quotes could start from just £5 a month

Comparing over 50s life insurance from different insurers can help you to find the right policy to suit your needs and budget.

At Reassured, we can’t provide quotes for Churchill over 50s life insurance, but we can compare quotes from other top UK insurers.

We’re an award-winning life insurance broker with more than 15 years industry expertise.

Not only can we source you our best quotes, but we can also provide you with all the information you need to make a fully informed decision.

Our experts can help you compare the options available and explain any details you’re unsure of.

It’s possible to secure up to £20,000 through Reassured to protect your loved ones, and prices could start from just £5 a month.

Get in touch for your free, no-obligation quotes and see if we can help you save money today.

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Sources:

[1] https://www.churchill.com/life-insurance/over-50s

[2] https://www.fairerfinance.com/ratings/brands/churchill#showProductRatings

[3] https://www.defaqto.com/star-ratings/life-protection?search=churchill

[4] https://www.sunlife.co.uk/funeral-costs/

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