Over 50s Life Cover
Like everyone else, we offer guaranteed acceptance without a medical but there's much more to our Defaqto 5 Star Rated Over 50s Life Cover.
OneFamily Over 50s Life Cover
Our 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. We also provide additional benefits to support our policyholders throughout their lives and in particular when they may be unwell or bereaved.
Our policy is designed to meet the needs of people aged 50-80, who do not have funds to pay for their funeral or are unable to leave a gift to their family or loved ones when they pass away.
Who is our Over 50s Life Cover designed for?
We want you to understand who we have designed this product for and the customer needs this has been based on.
Your customers could win £1,000
in our monthly prize draw
We’re offering all new customers who take out a OneFamily Over 50s Life Cover policy from 17 October until 31 December 2019, the chance of winning £1,000 for policies received in October, November and December.

We also pay out on diagnosis of Serious or Terminal Illness
Serious Illness Benefit:
Customers can claim 20% of their life cover when diagnosed with a listed serious illness after 2 years.
If a customer is faced with this diagnosis it's good to know that they can get access to part of their life cover at a challenging and difficult time.
Customers will still retain 80% of their sum assured which can be claimed if they're diagnosed with a terminal illness or on their death.
Terminal Illness Benefit:
Customers can claim 100% of their life cover when diagnosed with a terminal illness after 2 years, less any Serious Illness Benefit already paid, giving your clients the benefit of the policy pay out to help them manage through this period of their life.
As the policy has now paid out, cover will cease at this point.
Important information for your customer
What should be understood and accepted:
- If they die within the first two years of the policy the full cash sum will not be paid, unless this is due to an accident when they will receive accidental death benefit
- Depending upon how long they live, they may pay in more premiums than the amount of the cash sum that will be paid out on death, terminal or serious illness
- Inflation may significantly reduce the buying power of the cash sum paid out
- The policy is not a funeral plan and may not fully cover the cost of their funeral and associated expenses
- If any premiums remain unpaid for more than 30 days, cover will cease and no premiums will be returned.
- This is not a savings or investment product and therefore the policy has no cash value, unless a valid claim is made.
Additional Services included with the Over 50s Life Cover
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:
Over 50s Life Cover Product Support
Click below to find our sales support tools for our Over 50s Life Cover and how it can benefit your customers.
Funeral Costs Calculator
Use our interactive calculator to show your customers the average cost of a funeral.
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Contact the team
Over 50s sales support:
[email protected]
Telephone
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.
Post
Over 50s sales support:
FREEPOST ONEFAMILY ADVISER
Or
OneFamily,
16-17 West Street,
Brighton, BN1 2RL