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Over 50s

Life Cover

  • Guaranteed acceptance with no medical tests required
  • Guaranteed pay out
  • Rated 5 star by Defaqto the highest they offer
Or call us on 0333 014 4508
Free Avanti voucher worth up to £150*

We’ve partnered with OneFamily

Their over 50s policy is designed to provide some peace of mind at a very difficult time by helping pay towards the cost of your funeral. If you are a UK resident aged between 50 and 80, then you’re guaranteed to be accepted, as no medical tests are required.


What is Over 50s Life Cover?

Over 50s life cover with OneFamily is a policy that gives cover for the whole of life, and will pay out in the event of terminal illness or death, subject to meeting the terms of the qualifying period.

Acceptance is guaranteed as long as you're a UK resident aged between 50 and 80 years old.

You won't have to pay for your cover once you reach age 90, but your cover will continue for life.

Life Cover that supports various scenarios

If you die after two years of starting
your policy, this is what your family will get:

£300 contribution

toward your funeral, provided by Golden Charter

An agreed cash lump sum

Payable after death.

100% life cover payout

If you’ve been given a terminal diagnosis with 12 months to live

Support service included

For you and your family

How does OneFamily compare?

Unlike similar products on the market, OneFamily's Over 50s Life Cover offers terminal illness benefit as standard, after the policy has been in place for two years.

  • Terminal illness
    Cover included
  • Guaranteed acceptance
    UK residents aged 50-80
  • 5 star Defaqto rating
    The highest rating you can get
  • Support service included
    For you and your family
Provider Payout Premiums payable until Terminal illness included as standard Separate rates for smokers/ non-smokers
OneFamily £5,378 Age 90
Sunlife £4,714 Death
Aviva £4,863 Age 90 or 30 years (whichever is sooner)
Royal London £4,936 Age 90
Legal & General £4,381 Age 90

The figures in the above over 50 life cover comparison are for a 60 year-old non-smoker, whose premium is £20 a month. This table is designed to compare levels of cover that may be available. It is not a comprehensive comparison of all product benefits.

All information is correct as at 03/02/2020.

People also asked

The qualification period is two years.

This means that the main policy benefits cannot be claimed if something were to happen in the first two years of your policy.

If your death is accidental within the first two years of starting your policy, your policy will pay out 300% of the sum assured up to a maximum of £48,000.

If you have a non-accidental death, your estate will receive 150% of the amount you have paid.

No. With OneFamily, your premiums will never increase as you celebrate more birthdays or if you were to become ill.

In fact, when you reach 90, your payments will stop but your cover will continue!

Yes: Practical, emotional and health support will be available to both you and your family to help and support you through difficult circumstances. (These services are subject to change or withdrawal at any time).

OneFamily is covered by the Financial Services Compensation Scheme (FSCS). FSCS protects customers by entitling them to compensation (if they lose money) when an authorised firm is unable to pay claims or what they owe, due to ceasing trading and where they have declared in default.

* Travel Insurance Voucher

Get a free Avanti travel insurance voucher with every life cover policy bought. The voucher you’ll be sent will depend on how much you’ve agreed to pay in life cover per month.

Monthly Premium RangeVoucher Credit Value
£10 to £19£50
£20 to £25£75
£26 to £30£100
£31 to £35£125
  • Voucher sent after 6-months of payments.
  • No monetary value at all.
  • Not available with any other offers/discounts.
  • Vouchers valid for 3 years from date of issue.
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