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OneFamily Over 50s Life Cover

We are OneFamily - offering customers aged 50-80, and their loved ones, peace of mind with our Guaranteed Whole of Life Protection

Product Overview

Over 50s Life Cover is a whole of life pure protection life insurance policy that pays out on death or terminal illness, after a qualifying period.

  • OneFamily is the only provider in the Over 50s market to offer Terminal Illness Cover as a standard benefit.
  • Funeral Funding is automatically included with a £300 contribution added by Golden Charter, our chosen Funeral Funding partner, unless your customer is considering a direct to cremation funeral*.
  • Premiums start from as little as £10 per month.
  • Customers can request for their premiums to be reduced, as long as they have held their policy for at least four years.
  • Additional benefits providing emotional support and practical information to help deal with a serious illness or bereavement.
Over 50s life cover isn't a funeral plan so may not cover the full funeral cost. Your customer could pay in more than the policy pays out and inflation could mean that any amount paid out may not buy as much as it would do now. The policy also has no cash value.

Funeral Cost Calculator

Use our interactive tool to obtain free quotes for your customer and show them the average cost of a funeral

Features and Benefits included for your customer

At OneFamily we always have your customer's best interests at heart. With our Over 50s Life Cover, they can benefit from additional free product options, including:

What is it?
Funeral Funding is a feature which is automatically built into our Over 50s Life Cover. It is designed to contribute towards the cost of your customer's funeral.
How does it work? 
Golden Charter, our chosen partner, will allocate a funeral director who will provide a £300 contribution towards the cost of your customer's funeral. Exclusions apply for direct to cremation funerals.
If death occurs within the first two years of the policy, the Funeral Funding Feature will not apply. Instead we will pay 150% of the premiums to your customer's estate. However, your customer's representatives will still be able to use the Funeral Funding Feature's £300 Contribution towards the cost of their funeral, provided it is arranged by Golden Charter's nominated funeral director.
Provided by:
Golden Charter

Health support

What is it?
One-to-one personal support from their own Personal Nurse Adviser to help your customer and their loved ones cope with the diagnosis of a serious or terminal illness. RedArc can also support your customer with a one off nurse home visit, a second medical opinion or a programme of therapy such as speech therapy or physiotherapy.
How does it work?
Available immediately after the policy has started. There is no limit to the number of times your customer can speak to their Personal Nurse Adviser and they can continue to receive the support for as long as they need to.
Provided by:

Bereavement advice line

What is it?
An advice line providing practical advice and support to help your customer understand what needs to be done following the death of a loved one.
How does it work? 
Available immediately after the policy has started.
Provided by:
The Co-op Legal Services

Legal advice

What is it?
Clear, free initial advice for your customer on a wide range of legal issues.
How does it work? 
Available immediately after the policy has started
Provided by:
The Co-op Legal Services

*A direct to cremation funeral means any cremation where there is a direct disposal service only and therefore no funeral service, funeral procession (or other services such as family viewing, limousine(s), embalming or delivery of ashes) and where the cremation is arranged at a crematorium at a date and time chosen by the allocated funeral director and without anyone attending other than the funeral director's staff.

We're here to help


Over 50s Adviser support:
[email protected]


Over 50s Adviser support:
0808 100 5075*

*Open 9am - 6pm, Monday to Friday. All calls may be recorded for security and training purposes. Calls are free from UK landlines only.


Over 50s Adviser support:
16-17 West Street
Brighton BN1 2RL