British Seniors Life Insurance Review

British Seniors offers insurance products designed specifically for UK seniors, with a focus on Over 50s Life Insurance

We have a specific review of British Seniors Over 50s Life Insurance here.

But did they make the Top 10 Over 50s Life Insurance list?

In this guide:

• The History of British Seniors
• What Life Insurance policies does British Seniors offer in the UK?
• How much does Life Insurance from British Seniors cost?
• What do customers say about Life Insurance from British Seniors?
• The pros and cons of British Seniors Life Insurance
• Claiming from British Seniors

The History of British Seniors

British Seniors Insurance Agency is a financial services firm based in Berkshire, England. The company, which was started in 2013, provides direct-to-consumer life insurance and protection services, and is regulated by the Financial Conduct Authority.

British Seniors is owned by Neilson Financial Services Limited,  a company which owns 8 other life insurance brands, including Smart Insurance and Zesty Life. Policies are underwritten by Scottish Friendly.

What Life Insurance policies does British Seniors offer in the UK?

British Seniors offers a variety of life insurance policies to suit the needs of seniors in the UK. They claim to offer straightforward policies and exceptional customer service.

The company is best known for British Seniors Over 50s life insurance – the type of policy designed to offer a guaranteed pay out that can cover funeral costs and debts, or leave a gift for loved ones.

British Seniors offers up to £10,000 of cover. They see their key points of differentiation vs their competitors in the Over 5os insurance market as being:

• You are covered immediately for accidental death, and if your death is caused by an accident that pay out 2x the amount you are insured for
• They offer joint policies, meaning you can add your partner
• You get the flexibility to make unlimited changes to the policy

In addition, British Seniors have a UK-based call centre and have been awarded the Feefo Platinum Trusted Service Provider award. Their policies also offer worldwide cover, so you're covered wherever you are.

British Seniors also offers term life insurance policies and funeral plans.

How much does Life Insurance from British Seniors cost?

British Seniors don't offer quotes for Over 50s insurance online. Instead, you fill in your details and they call you back.

However, we understand that British Seniors Life Insurance starts at £9.95 per month for UK customers aged 50-60. Prices then increase based on age, with the highest price being £49.95 per month for customers aged 81+.

What do customers say about Life Insurance from British Seniors?

British Seniors scores 4.7/5 on Trustpilot, based on 3,500+ reviews.

Here's a summary of the most recent customer reviews of British Seniors on reviews websites.

The Good

✅ Friendly, helpful and knowledgeable staff

✅ Good range of sums to pay towards, including inflation-proofing

✅ Double payout if death is accidental

✅ Simple process from start to finish

✅ No pressure to take the product and free will kit included

The Bad

🚫 Non-receipt of policy documents and free will kit

🚫 Delays with mail due to national strikes

🚫 High pressure sales tactics

Is British Seniors any good?

British Seniors Life Insurance offers a wide range of products and ensures a simple process from start to finish, but unfortunately some customers have experienced delays in receiving their policy documents and free will kit.

Customer service is reported to be friendly and helpful, however some customers have felt pressured by sales tactics. All in all, British Seniors Life Insurance is a decent option if you're looking for Over 50s life insurance, but with room for improvement.

Our British Seniors customer reviews score: 7/10

The pros and cons of British Seniors Life Insurance

The main pro of a British Seniors Over 50s life insurance policy is that it can provide peace of mind in knowing that your funeral and debts will be taken care of financially when you pass away.

It can also give you the peace of mind in knowing that you have something in place in case of an unexpected death.

Currently, British Seniors offer a £100 gift card to anyone taking out a new policy, and a free will kit worth £100.

As with all Over 50s policies, including those from British Seniors' competitors like SunLife, Legal & General, and Royal London, the key decision to make is whether the premiums you have to pay for the insurance would be better put into a savings account.

Claiming from British Seniors

The most recent statistics about life insurance claims suggest that British Seniors' pay out rate is over 99%.