Best places to find over 80s insurance

The peace of mind that comes with life insurance can be very valuable, especially as we grow older. However, the passing of the years often also makes it more difficult to find an insurance provider who’ll offer you a fair price.

We’ve put together a list of the companies that have made special provisions for older customers to help you see if you can put your mind at rest in a few easy steps. Find the insurance policies and resources that can help you secure affordable cover if you’re over 80.

Choosing life insurance

Knowing that when you die, your family will have enough money to cover your funeral and expenses can be a comforting thought. Life insurance policies can offer you exactly that, but finding a suitable policy tends to get more difficult the older you are. That’s not to say it’s impossible, though. There are several insurance providers that have created specialised policies for older customers, have a look at Whole Life Insurance’s guide to cover for elderly customers for a good grounding in the subject.

Don’t make any decisions about your potential insurance providers until you’ve assessed your options using some of the most efficient comparison websites. Credit Finance Centre has created a search especially for over 80 insurance policies and sites like offer a search for over 50s insurance that also includes a number of options for customers who are over 80. Many policies that do offer over 80s cover will only do so up until a certain age – such as 84 or 85 – so the earlier you choose your cover, the better. If you’re not sure whether you should consider switching to a different policy or it’s more sensible to stick with one you have already, our guide to reassessing life insurance could help.

Other over 80s insurance options

It’s not only life insurance that can become tricky to find as you reach your 80s – things like travel insurance also take your age into account and can sometimes pose problems. The Telegraph has a great article with tips for helping you keep the cost of travel insurance low even when you’re in your 80s and there are companies – such as RIAS – that consider themselves insurance specialists when it comes to over-80 options. You can also find some suitable quotes by making use of Medical Travel Compared, a comparison site that also offers a useful article for finding travel insurance in your 80s.

Car insurance premiums also tend to rise when you hit your 80s, as companies calculate that you may be more likely to be involved in an accident. However, if you’re healthy and capable of driving, there are still a wide variety of companies that are willing to offer you the cover you need to get on the road. Have a look at some of the options available with a little help from and its handy guide to available car insurance for over 80s.


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Mother of three grown-up daughters I am the ultimate multi-tasker and am passionate about my role as Silversurfers Website Editor and Social Media Manager. Always on the lookout for all things that will interest and entertain our community. Fueling fun for the young at heart!

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