Is Zestylife Still Available?
No. Zestylife has withdrawn its over-50s life insurance product from the market and is not accepting any new applications. People who already hold a Zestylife policy will continue to be covered as long as they keep paying their premiums.
If you were hoping to buy a Zestylife policy, you will need to consider another provider.
What Type of Policy Did Zestylife Offer?
Zestylife offered an over-50s whole-of-life insurance policy, designed to pay out a cash lump sum upon death.
Its main features included:
- Whole-of-life cover
- Immediate cover on part of the payout amount in the first year
- Fixed monthly premiums
- Premiums payable until age 95
- An option to increase cover (with increasing premiums)
- An accidental death enhancement on some plans
- Cash payouts that could be used for funeral costs or other expenses
Understanding what Zestylife offered helps identify what type of alternative policy may suit you.
If You Planned to Apply to Zestylife: What to Do Next
1. Identify the features that matter most to you
Before choosing an alternative, consider:
- Whether you want guaranteed acceptance (no medical questions)
- The payout amount you need
- Whether you prefer fixed premiums or the option to increase cover
- How long are you comfortable paying premiums
- Whether immediate cover is essential, or whether a waiting period is acceptable
- Whether you need a provider with a long history in the over-50s market
If you want more details on how over-50s policies work, you can refer to the SunLife Over-50s Guide.
2. Compare active over-50s insurers
With Zestylife no longer available, you will need to look at insurers still accepting new customers. Many people compare providers that:
- Are well-established in the over-50s market
- Offer predictable pricing
- Clearly explain eligibility and waiting periods
- Have a stable product range
SunLife is one example of a long-standing insurer offering over-50s life insurance with guaranteed acceptance within the eligible age band.
3. Review policy details carefully
When comparing alternatives, check:
- Whether there is a waiting period before the full benefit is paid
- How long do premiums need to be paid
- Whether the payout amount meets your needs
- If premiums stay the same or increase
- The age range for acceptance
- The simplicity of the claims process
- Any included extras, such as helplines or support services
Types of Zestylife Alternatives
A. Guaranteed-Acceptance Over-50s Life Insurance
- No medical questions
- Guaranteed acceptance within an eligible age range
- Fixed monthly premiums
- Whole-of-life cover
- Usually includes a 12- or 24-month waiting period
SunLife is an example of a provider offering this type of policy.
B. Medically-Underwritten Over-50s Life Insurance
- Includes a short health or lifestyle questionnaire
- Premiums may be lower if you are in good health
- Larger payout amounts may be available
- Cover may begin immediately, depending on the insurer
C. Standard Life Insurance
- Fully medically underwritten
- Higher cover amounts are possible
- Only pays out if you pass away during the policy term
- It may suit people who are younger within the over-50s bracket or in good health
Why Many People Compare SunLife When Looking for Zestylife Alternatives
SunLife is one of the longest-running over-50s life insurance providers in the UK and offers guaranteed acceptance, fixed premiums and a simple application process.
Because Zestylife is closed, SunLife is often used as a reference point when people compare features such as:
- Waiting periods
- Eligibility
- Payout amounts
- How long are premiums paid
- Brand stability
This does not constitute a recommendation; it simply reflects common consumer behaviour when choosing between available options.
Common Questions from People Searching for Zestylife
Is my existing Zestylife policy still valid?
Yes. Customers who already hold a Zestylife policy remain covered as long as they continue paying their premiums.
Why can't I buy a new Zestylife policy?
The company has withdrawn its over-50s product from sale and is no longer accepting new customers.
Are there policies similar to Zestylife's?
Yes. Several active insurers provide similar over-50s whole-of-life policies.
Do alternative plans offer immediate cover?
Most over-50s life insurance plans include a waiting period before full cover applies.
What other options are there?
You may also consider funeral plans, term insurance or savings, depending on your needs.
Summary
Zestylife is no longer open to new applicants, but many people still search for its products. If you were planning to apply, you would need to compare active over-50s insurers instead.
Over-50s life insurance remains widely available from long-established providers, including guaranteed-acceptance plans from brands such as SunLife. The right alternative depends on your budget, your health, and the level of cover you need.
By understanding what Zestylife offered, and what matters most to you, you can choose an alternative that provides clarity, stability and the cover you are looking for.