These materials are intended for use by Financial Advisers only

OneFamily Adviser

Over 50s Life Cover

  • Guaranteed acceptance without the need for a medical
  • Only company to offer Serious and Terminal Illness cover
  • Fixed monthly premiums, starting at £10 per month
  • Funeral Funding is built in

Please visit our Over 50s Life Cover Coronavirus Hub Page.

New Terms of Business for Over 50s Life Cover take effect from the 30th June 2020.

Product Overview

  • Over 50s Life Cover is a whole of life pure protection life insurance policy that pays out on death, terminal illness or serious illness, after a qualifying period.
  • Designed to meet the needs of people aged 50-80, with no funds to pay for their funeral or who are unable to leave a gift to their family or loved ones when they pass away.
  • It also provides additional benefits to support policyholders throughout their lives and in particular when they may be unwell or bereaved.
  • Unless you opt out the proceeds of your policy will go towards the cost of your funeral. Any excess, after these costs have been paid, will go to the next of kin
  • Read our Frequently Asked Questions for more information about our Over 50s Life Cover.
  • Understand who this product is designed for and the customer needs it’s based on. Download factsheet here.

Free quick quote for your customers 

Use our quick quote tool to find out how much your customer's policy could be worth.

Quick Quote

Key features

Features Descriptors
Guaranteed acceptance Yes, without the need for a medical
Funeral Funding  Funeral Funding is built in, unless you choose to opt out. Please click here to find out more.
Serious Illness 20% of life cover paid in the event of a serious illness diagnosis as long as the policy has been in place for over 2 years. Subject to meeting the requirements.
Terminal Illness 100% of life cover, less any serious illness benefit already paid, as long as the policy has been in place for over 2 years
Maximum total sum assured Maximum total sum assured across all plans with OneFamily £20,000 or £10,000 for those aged 59 or under
When do premiums cease? Premiums cease at age 90 but cover continues for the remainder of the policyholder's life
Option to add a nominated person Yes. Please look at our nomination form.
Monthly Premiums Fixed monthly premiums, starting at £10 per month, which will not change throughout the life of the plan.
When is the full cash sum payable? After 2 years.
Additional benefits Care advice, will writing, health support, legal advice and bereavement advice

Additional Services 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:

Care & Bereavement Service

OneFamily has teamed up with care and bereavement advice experts, Grace Consulting, who can offer your customer independent, professional advice.

Find out more

Heath support

Our Health Support Service, provided by RedArc, gives your clients one-to-one personal support from their own Personal Nurse Advisor.

Find out more

Legal advice line

The OneFamily Legal Advice Line, provided by The Co-op Legal Services, offers clear, free initial advice on a wide range of legal issues.

Find out more

Over 50s Life Cover Product Support

Click below to find our product support literature and calculator for our Over 50s Life Cover and find out how it can benefit your customers.

Frequently Asked Questions

Contact the team


Over 50s sales support:
[email protected]


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