Affordable cover from
£10 per month

5* Defaqto rating
The highest rating you can get

No medical exam
Guaranteed acceptance for UK residents aged 50-80

Terminal Illness and
Funeral Funding built in

Plan for the future and look after your family

It's never too early to start planning for later life. Over 50s Life Cover gives you and your family peace of mind.

Over 50s Life Assurance 5 Star Rating
Over 50s Life Cover generations

About our Over 50s Life Cover

Over 50s life cover is a life insurance policy available to those aged from 50 to 80 years old. It can be used to help with financial commitments that can arise at the time of your death, such as funeral costs, outstanding debts or as a gift to your loved ones.

Our over 50s life insurance policy is designed to give you and your loved ones peace of mind at a very difficult time, by helping pay towards the cost of your funeral.

Read our Over 50s Life Cover FAQs

Over 50s Life Cover comparison

Provider Pay out Full life cover payable after Premiums payable until Terminal illness benefit included as standard Separate rates for smokers and non-smokers
OneFamily £5,217 24 months Age 90 Yes Yes
Sunlife £4,815 12 months Death* No No
Aviva £4,721 12 months Age 90 or 30 years (whichever is sooner) No No
Royal London £4,723 12 months Age 90 No Yes
Legal & General £4,898 12 months Age 90 No Yes

The figures in the above Over 50s Life Cover comparison are for a 60 year-old non-smoker, whose premium is £20 a month. This table is designed to compare levels of cover that may be available. It is not a comprehensive comparison of all product benefits.

*Unless capped option is selected

All information is correct as at 22/01/2022.

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Fund funeral costs to save expensive bills for your family

Provided by Golden Charter, Funeral Funding is included as standard in our policies.

This allows the proceeds of your policy to be paid directly to the funeral provider, who will add an additional £300 contribution towards the cost of your funeral. If you choose a direct to cremation funeral, the £300 contribution will not apply.*

Funeral Funding is designed to give your loved ones less to worry about at a difficult time, but it's worth being aware that it's not the same as a Funeral Plan, so may not cover the full cost of your funeral.

Apply now

Read our Funeral Funding flyer for more information.

*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.

Over 50s Life Cover flowers

What is the average cost of a funeral in my area?

Our funeral calculator shows the average costs of burials and cremations in your area and how these prices could rise over the years. It will also generate you a free policy quote to show how much we could help towards funeral costs.

Your funeral type

  • Burial
  • Cremation

Funeral location

  • North West
  • North East
  • Midlands
  • South West
  • South East
  • South West
  • Yorkshire Humberside
  • East Anglia
  • Scotland
  • Northern Ireland
  • Wales

Are you a smoker?

  • Smoker
  • Non-smoker

Your age is...

  • 50
  • 51
  • 52
  • 53
  • 54
  • 55
  • 56
  • 57
  • 58
  • 59
  • 60
  • 61
  • 62
  • 63
  • 64
  • 65
  • 66
  • 67
  • 68
  • 69
  • 70
  • 71
  • 72
  • 73
  • 74
  • 75
  • 76
  • 77
  • 78
  • 79
  • 80

The cost of your

Based on the projected cost of a
in in 2036.

How much we'll pay out

Based on a sum assured amount for a year old paying £21 per month

Get your free personalised Over 50s Life Cover quote and apply online - it only takes 10 minutes

Get my free quote

Did you know that we offer Funeral Funding as standard with our Over 50s Life Cover policies? This means you could get an extra £300 towards the cost of a funeral. Find out more about Funeral Funding.

*These costs are based on an assumed 4% annual rate of increase in funeral costs per year. The estimate average cost provided should not be relied upon to estimate the precise cost of a funeral. A Study into UK Burial and Cremation cost by Trinity McQueen, March 2017.

Our guides to Over 50s Life Cover

Give yourself and your family complete peace of mind with our guides to Over 50s Life Cover.

What is Funeral Funding?

Funeral Funding is built into our Over 50s Policy, helping contribute towards the cost of your funeral.

Learn about Funeral Funding

Could coronavirus impact my existing policy?

For your peace of mind, learn if and how coronavirus may affect your existing policy with OneFamily.

Find out more

Over 50s Life Cover FAQs

Got a question about our Over 50s Life Cover? Browse our Frequently Asked Questions to get the answers you need.

Find out more

How to leave money for your funeral

Have you thought about leaving money for your funeral? If you don’t make provisions, your family could be left to foot the bill.

Read more

Before you take out a policy

  • You won't have to pay for your cover once you reach age 90 but your cover will continue for life. If you stop paying premiums before age 90, the cover will cease and you won't be entitled to claim any money back.
  • The cash lump sum on death normally counts as part of your estate and so may be subject to inheritance tax.
  • It is also important to note that you could pay out more money in premiums than the policy pays out. Our Over 50s Life Cover is not a savings plan and has no cash-in value. Due to inflation, any amount paid out may not buy as much in the future as it would now.
  • Please read our Policy Summary, Terms & Conditions and Our Insurance Services Leaflet for more details.

Give your family peace of mind and get a quote today

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