Simply choose a benefit amount with a monthly premium that you can afford now and in the future. If you’re a UK resident aged 50 to 80, you’re guaranteed to be accepted – with no need for a medical or blood tests. Request your free quick quote online in minutes, or call our UK team of specialists on 0333 323 2139. We’re available Monday to Friday from 8am to 9pm, Saturday from 9am to 6pm, and Sunday from 9am to 5pm (excluding bank holidays).

You’ve taken care of your family your entire life, it’s only natural to want to continue to protect them when you’re no longer around. Our Over 50 Life Insurance can help you do that. As the UK’s No.1 rated provider of Over 50s Life Insurance, we have the highest ratings of all Over 50s Life Insurance providers with more than 500 reviews on each of the following platforms: Trustpilot, Google, Feefo and REVIEWS.io. See how we compare here.
We've helped over 200,000 people across the UK to protect what matters most to them since 2012. Our cover can be used to help your loved ones with funeral costs and other expenses that might come up when you’re gone. Or it could be a gift. Whatever it’s for, you can feel proud that you’re protecting your loved ones.

You should carefully consider the benefit amount you choose, as inflation could reduce the value of your cover over time. Depending on how long you live, you could pay in more than we pay out and if you stop your monthly payments your cover will cease, and you will get nothing back. Please see our Terms and Conditions for more information.

To make a claim, follow our simple 3 step process:

Step 1: Get in touch

The person making the claim can call us on +44 7459 907051 or email  claims@heavenfuneracover.com to get the claims process started.

Step 2: Review

Depending on the type of policy you hold with us, we may be able to collect the claim information over the phone. The person making the claim can also get in contact via email, and we will send out a claim form to be completed and returned to us. They might be contacted if more information is needed.

Step 3: Payout

When the claim is accepted, we pay the benefit amount to the person legally entitled to it. We also refund any premiums paid after the death.

We've partnered with Golden Charter to offer you a free £300 contribution towards the cost of your funeral. Golden Charter appoint a funeral director in your local area to take care of your funeral arrangements. We’ll simplify your payment arrangements by paying your benefit amount directly to Golden Charter. If there is any excess benefit amount left once your funeral has been paid for, it will then be paid to your estate or next of kin. Please note that if you choose an unattended cremation, the £300 contribution will not apply ¹.

You can put your Heaven Funeral Cover Over 50 Life Insurance policy into trust after you take out the policy. We’ve put together a Flexible Trust Form and Guide to Trusts to help you. Please note that only single policies can be put into trust using our form. If you are thinking about putting your policy into trust you should seek independent legal advice. We are unable to give you any advice or recommendation on the suitability of trusts. Please note that if you put your policy into trust, the Funeral Benefit Option will be no longer available to you.

You can cancel your policy at any stage. If you cancel your policy within 30 days of purchasing it, any premiums paid will be refunded to you. If you cancel your policy after this 30 day period, you will not get anything back as the policy has no cash in value.

Acceptance is guaranteed for UK residents aged 50 to 80. You don’t need to provide a medical or blood tests to get cover. You will have immediate cover for accidental death. If you die as a result of an accident, you’ll get 2X your benefit amount paid out up to £20,000 depending on your age. That means if you choose £10,000 of cover and die in an accident, your family would receive £20,000. After 12 months, you will be covered for death by any cause. If you pass away in the first 12 months due to natural causes, we will refund all premiums paid.

For the first 12 months of your policy, you will only be covered for accidental death. After that, you will then also be covered for death by any cause. You must be a UK resident aged 50 to 80 to be eligible for cover.

Yes, you can. With a joint plan, there will be two policyholders under one cover. When you choose a joint policy with Heaven Funeral Cover, there will be two payouts. One when the first person dies, and one when the remaining policyholder dies.

You can have more than one policy with Heaven Funeral Cover. If you do choose to have more than one policy with us, it’s important to note that together both policies must not exceed the maximum benefit amount for your age. Read our full terms and conditions for more information.

Yes, our Over 50 Life Insurance is a flexible policy. That means you can apply to make changes to your policy at any time, at no extra cost to you.

Heaven Funeral Cover Over 50 Life Insurance is a whole of life policy. Which means it will last for your whole life and when you die, your loved ones are guaranteed a payout. From the policy anniversary after your 95th birthday, you no longer have to pay premiums but your cover will continue.

For the first 12 months of your policy, you are only covered for accidental death. In the case that you pass away from accidental death, your loved ones will receive 2x your chosen benefit amount. If you pass away as a result of non-accidental death in the first year your family will receive all the premiums you have paid up until that point.