Life Insurance Quotes – Including Cover for Over 60s

How it works

1. Fill in one short form. Tell us your name, how to reach you and the basics of the cover you’re looking for. It’s free and only takes a few minutes.
2. A licensed partner gets in touch. We pass your details to a licensed partner insurer or FSP, who will usually phone you, and may sometimes use WhatsApp, to ask about your needs and health and give you a quote.
3. You decide. Take your time, ask questions and only go ahead if the cover and the premium suit you. You’re under no obligation to accept a quote.

What is life cover?

Life cover, also called life insurance, pays a lump sum to the people you choose, your beneficiaries, when you pass away. You pay a monthly premium, and in return your family receives money when they need it most. Families use a life cover payout to settle the home loan, car finance or other debts, keep up with day-to-day living costs, pay for children’s schooling and studies, and cover estate costs, such as executor’s fees.

How much life cover do you need?

1. Add up your debts.
2. Think about income.
3. Plan for education.
4. Add final expenses.
5. Subtract what you already have.

What’s left gives you a rough idea of your cover gap. Your needs change as life changes, so review your cover when you marry, have children, buy a home or pay off a big debt.

Do you need a medical exam?

It depends on the insurer, your age, your health and how much cover you apply for. For smaller amounts, some insurers only ask health and lifestyle questions. Larger amounts, or certain medical histories, may need blood tests or a medical exam. Answer every question honestly and completely.

Life insurance for over 60s

You can take out life cover in your 60s, but it works a little differently. Age limits vary, premiums are usually higher, and simpler products may offer lower cover amounts or have a waiting period before death from natural causes is covered. Ask whether your premium stays level or goes up every year.

What affects your life insurance quote?

• your age and gender
• your health, medical history and family medical history
• whether you smoke
• your occupation, your income and, with some insurers, your level of education
• your lifestyle, such as dangerous hobbies
• the amount of cover and the benefits you choose

Before you sign

• Nominate your beneficiaries and keep them up to date.
• Understand the exclusions.
• Ask about the cooling-off period.
• Ask for the FSP number and check it on the FSCA website.

Get my quote It’s free, and there’s no obligation to accept a quote.

Life insurance FAQs

What’s the difference between life cover and funeral cover?

Funeral cover pays a smaller lump sum to help with funeral costs. Life cover usually pays a much larger amount to support your family over the long term.

How much life cover should I take?

Start with your debts, add the income your family would need plus education and final costs, then subtract any cover and savings you already have.

Can I get life insurance if I’m over 60?

Often, yes. Age limits vary between insurers, and premiums are usually higher at older ages.

Can I get life cover without a medical exam?

Sometimes. For smaller cover amounts, some insurers rely on health questions instead of a medical exam.

What if I have a pre-existing medical condition?

Tell the insurer about it. They may offer cover as normal, charge a higher premium, exclude that condition, or decline the application.

Is Speedy Quotes free, and does it give financial advice?

Speedy Quotes is free to use, and you’re under no obligation to accept a quote. We don’t give financial advice, sell insurance or handle claims.

Speedy Quotes is operated by Vantage Lead Intelligence (Pty) Ltd (Reg. No. 2026/132474/07). We are not a financial services provider and do not give financial advice.