OneFamily Life Insurance – Affordable Over 50s Life Cover You Can Trust
Flexible Plans
FCA Regulated Broker
Customisable Policies
A Policy for Everyone
Looking for reliable life insurance after 50? OneFamily Life Insurance offers simple, affordable over 50s life cover designed to provide financial peace of mind for you and your loved ones. With guaranteed acceptance and no medical exams, getting cover is quick and hassle-free.
At Insured-Life, we help you compare and understand life insurance plans that work for you. Read on to find out if OneFamily’s over 50s life insurance could be the right choice.
What is OneFamily Over 50s Life Insurance?
OneFamily Over 50s Life Insurance is a whole-of-life policy designed for UK residents aged 50 to 80. Once approved, your cover lasts for the rest of your life — and your loved ones receive a guaranteed cash payout when you pass away, helping them cover funeral costs, outstanding bills, or a gift of remembrance.
This type of policy is ideal if:
- You want to leave something behind for your family
- You don’t want to undergo medical exams
- You want a fixed, affordable monthly premium
- You’ve previously been declined life insurance
Key Features of OneFamily Life Insurance
|
Feature |
Details |
|
Age Eligibility |
50 to 80 years old |
|
Guaranteed Acceptance |
Yes – no medical checks required |
|
Fixed Premiums |
Monthly payments remain the same |
|
Payout Type |
Lump sum cash payout on death |
|
Policy Duration |
Whole of life (as long as premiums are paid for at least 2 years) |
|
Funeral Funding Option |
Available in partnership with Golden Charter |
|
Terminal Illness Cover |
Not included |
|
Accidental Death Cover |
Yes, in the first 2 years of policy |
|
Cash-in Value |
No – policy has no cash value while living |
Why Choose OneFamily?
OneFamily is a trusted mutual financial services provider with over 2 million customers across the UK. Their over 50s plan has won multiple awards and is well-rated for transparency and customer satisfaction.
Here are a few reasons why thousands choose OneFamily:
- Award-winning cover – OneFamily has received accolades for its over 50s life cover
- Excellent customer service – UK-based call centres and helpful support
- Mutual organisation – OneFamily works for its members, not shareholders
- Simple and fast – Apply online in minutes with no medical questions
How Much Does It Cost?
Your premium is based on your age, smoker status, and chosen monthly payment, starting from just £10 per month. The older you are, the lower your potential payout, so it’s best to take out a policy sooner rather than later.
Here’s a sample breakdown:
|
Age at Start |
Monthly Premium |
Fixed Payout |
|
50 |
£20 |
£4,181 |
|
60 |
£20 |
£2,718 |
|
70 |
£20 |
£1,692 |
Based on non-smoker premiums for illustrative purposes. Quotes vary.
How Does OneFamily Over 50s Life Insurance Work?
Once you’re approved:
- You begin paying a fixed monthly premium.
- If you pass away after the first 2 years, your beneficiaries receive the full payout.
- If you die during the first 2 years (and not by accident), your family will get all premiums paid in.
- If you pass away due to an accident in the first 2 years, the full payout is still made.
It’s that simple — a stress-free way to leave a legacy and avoid placing financial strain on your loved ones.
Optional Funeral Funding
OneFamily gives you the option to use your payout towards funeral costs through a partnership with Golden Charter. If you choose this, your payout goes directly to a funeral director, and you may receive up to £300 additional contribution toward funeral expenses.
Benefits of this option:
- Eases the burden of funeral planning
- Avoids delays in payout to loved ones
- Peace of mind that your wishes are fulfilled
Things to Keep in Mind
While OneFamily’s over 50s life insurance offers guaranteed acceptance, there are some important limitations to be aware of:
- No payout within the first 2 years, unless death is accidental
- Fixed cash payout – doesn’t increase with inflation
- Policy has no cash-in value while you’re alive
- Premiums stop at age 90, but you remain covered for life
- If you stop paying premiums before 90, your policy ends with no refund
Who Should Consider This Cover?
OneFamily Over 50s Life Cover is ideal if you:
- Are aged 50 to 80
- Want to leave something for your family
- Have health concerns that might affect other policies
- Prefer a guaranteed, no-fuss policy with fixed costs
- Are planning for funeral costs or to settle small debts
However, if you’re under 50 or want larger cover amounts, consider term life insurance or whole of life insurancewith medical underwriting.
What Customers Say
Here’s what real OneFamily customers are saying:
⭐⭐⭐⭐⭐
“Quick and easy process – no paperwork, no stress. Gives me peace of mind.”
– Jane R., Trustpilot
⭐⭐⭐⭐⭐
“Good value for the price. I was accepted straight away. Thank you!”
– Paul T., Trustpilot
⭐⭐⭐⭐⭐
“I’m glad I finally sorted this. It’s reassuring knowing I’ve taken care of my funeral.”
– Anita M., Feefo
OneFamily is rated highly on review platforms like Trustpilot and Feefo, with thousands of happy customers appreciating the ease and affordability of their policies.
Compare OneFamily With Other Providers
Insured-Life helps you compare over 50s life insurance from top UK insurers. Here’s how OneFamily stacks up:
|
Provider |
Minimum Age |
Maximum Age |
Fixed Premiums |
Funeral Benefit Option |
Medical Check Required |
|
OneFamily |
50 |
80 |
Yes |
Yes |
No |
|
SunLife |
50 |
85 |
Yes |
Yes |
No |
|
British Seniors |
50 |
80 |
Yes |
Yes |
No |
|
Legal & General |
50 |
80 |
Yes |
No |
No |
How to Apply for OneFamily Life Insurance
You can apply in minutes with no need for paperwork, medicals, or intrusive questions. Simply:
- Choose your preferred monthly payment
- Complete a short online form
- Receive your documents and welcome pack
You’ll be covered as soon as your application is approved and your first premium is paid.
Need help? Our friendly team at Insured-Life can guide you through the process and help compare other options if needed.
Final Thoughts – Is OneFamily Life Insurance Right for You?
OneFamily Over 50s Life Insurance is a solid choice for people seeking affordable, no-hassle cover. It’s best suited for individuals who:
- Want to plan ahead for final expenses
- Prefer guaranteed acceptance
- Are looking for peace of mind for their loved ones
With simple terms, fair pricing, and strong customer feedback, it’s a great option for many UK residents aged 50–80.
Get a Free Quote Today
Ready to get covered? Compare OneFamily Over 50s Life Insurance and other providers at Insured-Life and get a free no-obligation quote in minutes.
Secure peace of mind for your future — because your family deserves protection when it matters most.
Explore Our Life Insurance Services
Our life insurance process…
01
Needs Assessment
Tell us how much money you would need to financially protect your loved ones
02
We’ll Call You
We will call you to discuss your options and provide comprehensive free quotes
03
You’re Protected
You decide which policy to take and get protected today with no medicals or forms
Top Reasons to Choose Us
Comprehensive Coverage Options
Insured-Life.co.uk offers a wide array of insurance products, including life insurance, income protection, critical illness cover, mortgage protection, and over 50s life cover. This extensive selection allows you to find a policy that aligns with your specific requirements.
Access to Multiple Insurers
As an independent broker, Insured-Life.co.uk compares policies from a diverse panel of leading UK insurers, such as Legal & General, Aviva, and LV=. This independence ensures that you receive unbiased advice and competitive quotes tailored to your circumstances.
Additional Benefits and Services
Beyond standard insurance coverage, Insured-Life.co.uk provides extra services like placing your policy into trust at no additional cost, potentially protecting the payout from inheritance tax.
What Sets Us Apart
Safe Practices
Selling life insurance is about more than just policies—it’s about protecting futures with integrity and responsibility. Safe practices ensure that every client receives honest, transparent, and ethical guidance, helping them make informed decisions with confidence. From clear communication and accurate policy information to adhering to FCA regulationsand safeguarding personal data, trust is at the heart of everything we do.
FCA Regulated
At Insured-Life.co.uk, we are fully FCA-regulated, ensuring the highest standards of security, transparency, and ethical practice in life insurance. This means you can trust us to provide expert advice, fair policies, and protection that truly meets your needs. We work with leading UK insurers to offer reliable cover, giving you peace of mind that your loved ones will be financially secure.
Quick Policy Setup
At Insured-Life.co.uk, we make getting life insurance fast, simple, and stress-free. With our quick policy setup, you can secure the protection you need in just minutes. No lengthy paperwork, no complicated processes—just straightforward cover designed to give you peace of mind.
Get a quote, choose your policy, and enjoy the reassurance of knowing your loved ones are protected.
TESTIMONIALS
Hear from Our Customers
B Grant
Excellent customer service
Excellent customer service. Spoke to Daniel and he was so professional and knowledgeable which was reflected in the information he gave me. Detailed information I must add. I felt at ease throughout the call and never once did I feel I was being pressured to open a policy. It was my decision.
Lesley Phillips
I knew I had to take out a life policy…
I knew I had to take out a life policy for my husband and myself to cover funeral costs but kept putting it off .
Anastasia called us back as requested and guided us through the application. Thank you for making it easier than we thought so informative and helpful giving us the policy that was exactly what we asked for.
Highly recommended
Frequently Asked Questions
Whose Products Do We Sell?
- We offer products from a range of insurers for life insurance and critical illness cover.
- We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
- As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
- We sometimes get preferential rates on selling policies which we pass on to you.
- We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
- We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
- We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
- NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
- You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
- We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?
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