for peace of mind

Over 50s Life Cover

Look after your loved ones with simple, affordable life cover

  • Affordable cover from
    £8 per month

  • 5* Defaqto rating
    The highest rating you can get

  • No medical exam
    Guaranteed acceptance for UK residents aged 50-80

  • Serious and Terminal Illness as standard

Provide you and your family with peace of mind

It's natural to worry about your family's prospects when you're gone. Our Over 50s Life Cover can help put your mind at ease.

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

Acceptance is guaranteed without the need for a medical examination, and cover is available to any UK resident between the 50 and 80 years old (subject to sum assured and premium limits).

What does it mean to be 5 star Defaqto rated?

Defaqto 2019 award: Five stars for Over 50s Life AssuranceDefaqto is an independent financial information business, helping consumers make better informed decisions. They analyse more than 41,000 financial products in the UK that change on a daily basis. Their experts have done all the hard work so that consumers can make better informed decisions.


Why Over 50s Life Cover?

  • OneFamily is the only Over 50s life cover provider to offer serious and terminal illness benefits. See "How Your Cover" works section below for further details
  • Plus practical, emotional and health support for you and your family. Please note these optional support services are subject to change or withdrawal at any time
  • If the Funeral Funding option is selected, Golden Charter will contribute £300 towards the cost of a funeral, providing the funeral is arranged through a Golden Charter approved Funeral Director.

See how we compare

Provider Pay out Full life cover payable after Premiums payable until Serious/ terminal illness benefit included as standard Separate rates for smokers & non-smokers
OneFamily £5,378 24 months age 90
Sunlife £4,706 12 months Death
Aviva £4,863 12 months Age 90 or 30 years (whichever is sooner)
Royal London £5,433 12 months Age 90
Legal & General £4,758 12 months 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 03/07/2019.

Get your free quote

What is the average cost of a funeral in your area?

2021 £
2026 £
2031 £
2036 £
2041 £
2046 £

The cost of a funeral in your area

The average cost of a in your county in 2016 was £. These costs are based on an assumed annual rate of increase in funeral costs of 4% per year. The estimated average cost provided should not be relied upon to estimate the precise cost of a funeral.*

The average cost of a funeral in your area provided does not include estimations on the items listed below.

  • Flowers
  • Additional funeral cars for family members
  • Death notices
  • Funeral catering and venue hire
  • Estate administration fees

* A Study into UK Burial and Cremation Costs by Trinity McQueen, March 2017.

Over 50s Life Insurance quote

About your policy

How your cover works

During the first two years

  • If you die of natural causes we will pay out 150% of the premiums paid.
  • If you die as a result of an accident we will pay out three times the life cover up to a maximum pay out of £48,000.

After the first two years

  • When you die, we'll pay out the sum assured as a cash lump sum, less any serious illness benefit, already claimed.

Serious and terminal illness benefit

  • 100% of life cover paid in the event of a terminal diagnosis after two years.
  • 20% of life cover paid in the event of a serious illness diagnosis after two years.

OneFamily does not offer advice, so it is important that you read the Policy Summary and Terms & Conditions before you take out a plan with us. It contains all the information you need to help decide if the product is suitable for you, You should also read the leaflet About Our Insurance Services.

Family Assurance Friendly Society Limited is the Insurance Undertaking for this product.

Policy Summary and Terms and Conditions

Nominate a Beneficiary

About Our Insurance Services Leaflet

What you need to know

  • You won't have to pay for your cover once you reach age 90 but your cover will continue for life.
  • If you stop paying premiums before age 90, the cover will cease and you won't be entitled to claim any money back.
  • The cash lump sum on death normally counts as part of your estate and so may be subject to inheritance tax.
  • You could pay out more money in premiums than the policy pays out.
  • Our Over 50s Life Cover is not a savings plan and has no cash-in value.
  • Due to inflation, any amount paid out may not buy as much in the future as it would now.

OneFamily is covered by the Financial Services Compensation Scheme (FSCS), which is designed to pay customers compensation if they lose money because an authorised firm is unable to pay what they owe because they've ceased trading and declared in default. Find out more about the FSCS

FSCS logo

Have more questions? Take a look at our Over 50s Life Cover FAQs page.

Give your family peace of mind and get a quote today

Get your free quote


You can also apply over the phone by calling us free on:

0800 085 0700*

We’ll be here from 9am to 7pm Monday to Friday and 9am to 1pm on a Saturday.

*We might record your call to help improve our security and training. We hope you don’t mind.
Calls are free from UK landlines and mobile networks.