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Over 50s Life Cover

  • Guaranteed acceptance with no medical tests
  • Guaranteed pay out
  • Rated 5 Star by Defaqto the highest they give
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Free Staysure
voucher worth up to


We've partnered with OneFamily

Their over 50s policy is designed to give you and your loved ones peace of mind at a very difficult time, by helping pay towards the cost of your funeral.

If you’re aged between 50 and 80 and a UK resident, then you’re guaranteed to be accepted with no medical tests.

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 a serious illness, terminal illness or death, subject to meeting the terms of the qualifying period.

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

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

OneFamily Life Cover supports various scenarios

If you die or are seriously ill 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

(less any serious illness benefit) if you’ve been given a terminal diagnosis with 12 months to live

20% of life cover

where new serious illness has been diagnosed after policy has been in force for 2 years

How does OneFamily compare?

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

  • Support service included
    For you and your family
  • Guaranteed acceptance
    UK residents aged 50-80
  • 5 star Defaqto rating
    The highest rating you can get
  • Serious and terminal illness
    Cover included
Provider Pay out Premiums payable until Serious/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.

A number of conditions are covered as part of the critical illness cover including cancer, neurodegenerative diseases, heart diseases and strokes.

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 Staysure 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.