Guaranteed 50 Plus Life Cover at a glance

  • Delivers a cash lump sum to help your clients' loved ones when they need it most for funeral costs, unpaid debts or to leave some money behind.
  • A pure-protection non-linked whole of life assurance product.
  • Designed for clients who are UK residents aged between 50 and 80.
  • Guaranteed acceptance without a medical*
  • 5 Star Defaqto Rated.
  • Premiums from £10 per month. A range of premiums to suit your client’s needs from £10 to £75 per month.
  • Quick and easy application process. There’s no need to arrange a medical so once your clients have read the Important Information and are happy with their choice of product, they could be on cover within 7 minutes.
  • Option for clients to add nominated beneficiaries with pay-outs of up to £5000 without the need for probate.
  • Serious Illness Benefit. Currently the only Over 50s life cover product to offer this benefit**
  • Terminal Illness Benefit. Currently the only Over 50s life cover product to offer this benefit**
  • The OneFamily Care Advice Service. Free initial impartial advice over the phone for your client on choosing care for their loved ones.
  • OneFamily Health Support. Practical and emotional support from highly trained nurses if your client or their family member is diagnosed with a serious or terminal illness.
  • Estates and Probates Line. One of the hard things to deal with when someone passes away is the sheer number of practical things to be done. That’s why OneFamily can put your client in touch with a dedicated bereavement adviser who can help you work through all that needs to be done, and make a difficult time a little easier to bear. The service is free, and comes from experts at Co-operative Legal Services.
  • OneFamily Legal Advice Line. Clear, free initial advice on a wide range of legal issues including employment law, consumer rights, property law, criminal law and motoring offences, family law and accident or injury claims.
  • Offers a choice of Funeral Funding Option providers.

*Guaranteed acceptance is subject to existing cover and premium limits.
**Once your client has claimed for Serious Illness Benefit, their life cover and Terminal Illness Benefit will reduce by 20%. If they claim for a terminal illness the plan will end and there won’t be a further payout. Both Serious Illness and Terminal Illness come into effect after the policy has been in place for two years. All information correct as at July 2016.

You need to make your client aware that this is a Life Assurance Policy, not a savings policy, and so has no cash in value at any time.
There may come a time when your client has paid more premiums than would be paid out on a valid claim.