Guide to over 70s insurance

Getting the right insurance often proves a valuable investment – knowing you and the people you love are looked after and that all your affairs are in order if anything ever goes wrong can offer real peace of mind.

If you’re over the age of 70 however, you might find purchasing insurance isn’t as straightforward as it once was. The older we get, the more difficult it can be to find sensible cover at a fair price.  However, the good news is that there are more and more insurance brokers who offer policies of all kinds that are specifically tailored to seniors, and with a little research, you can find one that gives you the cover you need.

Researching over 70s insurance options  

The Internet is an incredibly useful tool when it comes to finding and comparing insurance policies. With a little research you can scope out the best policies and find resources that help you make the right decision and put your mind at rest.

Before you start shopping, it’s a good idea to understand the ins and outs of insurance policies when you’re in your 70s.  Some types of insurance are more straightforward than others – for example, travel insurance and car insurance are relatively simple to purchase, and there are plenty of providers that have tailored policies that are designed to suit your age and lifestyle.

However, when it comes to life insurance, it’s important to consider the decision much more carefully – while it’s still possible to purchase a life insurance policy over the age of 70, this type of cover can be expensive and can come with significant exclusions, so be sure to read the policy terms and conditions very carefully before proceeding.

To help you understand the risks, consumer watch group Which? has published an informative guide of common pitfalls to watch out for. The Telegraph has also discussed the risks of purchasing life insurance policies later in life in its article about over 50s life insurance plans, which can help you identify things to look out for when you’re shopping around.

Finding deals and comparing prices for over 70s insurance

Price comparison websites can make shopping for insurance simpler – you can request several quotes at once and compare policies and prices directly against one another. Many of these websites also make it easy to specifically search for policies for over 70s. For example, has put together a useful list of life insurance brokers with life insurance policies for over 70s, along with a list of the best travel insurance brokers for seniors. Other comparison websites don’t distinguish age specifically over the age of 50 – instead, you might find it more useful to search for insurance for seniors or insurance for over 50s if you’re looking on popular sites like Moneysupermarket.

The same applies when you go directly through an individual insurance broker. Companies like the British Seniors Insurance Agency for example will cover you right up until the age of 79, so don’t be put off until you’ve read the fine print of the policy. Age UK is another broker that specialises in travel insurance for over 65s, 70s and 80s, and makes it easy to understand the terms and conditions as well as important things to know before you buy.


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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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