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, disability 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.

Quick quote and funeral calculator

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

Defacto 5 star rated over 50s life assurance 2024

Fair value statement

OneFamily has completed a fair value assessment on our Over 50’s life insurance product, in line with FCA requirements. We are satisfied that our products provide our members with cover that suits their needs and the needs of their loved ones, with a range of inclusive benefits to create additional value for money.

OneFamily has a robust governance framework in place to monitor our product’s performance and value in comparison to similar products, with like for like benefits, at multiple price and age points.

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 that 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, helping your customer and their loved ones cope with serious illness, injury or disability. RedArc can arrange a one off nurse home visit, a second medical opinion, or a therapy programme (including speech therapy or physiotherapy). RedArc can also provide your customer with access to their Careology app (to help with those undergoing cancer treatment) and Podplan; helping provide information and help for carers on a range of practical, financial and social issues relating to the elderly.
How does it work?
The service is available to the policyholder and their immediate family, including spouse, partner and children living at home, immediately after the policy has started.
Provided by:

*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