In the UK, individuals aged 18 to 85 who are UK residents and have a legal right to live there are generally eligible for life insurance. However, eligibility criteria and restrictions may apply, and some providers may accept customers from age 16, subject to conditions. The amount of cover and the premium cost will depend on factors such as the individual’s age, health, lifestyle, and the type of policy chosen. Some insurers may require medical exams or ask health and lifestyle-related questions to determine the level of risk and the premium cost. While some policies, such as over-50s plans, offer guaranteed acceptance without requiring medical information, the coverage amount may be capped, and the premiums may be higher. It’s important to carefully review the terms and conditions of any life insurance policy to understand the coverage it provides and ensure it meets the individual’s needs.