One Family Over 50s Life Insurance Reviews

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 26th October 2025

One Family over 50s life insurance offers UK residents aged 50 to 80 a straightforward way to take out life insurance cover.

Using our services, we can compare One Family Life Insurance policies with those of leading companies, ensuring you receive a tailored life insurance solution. We hope you find our one family over 50s life insurance reviews helpful.

One Family Life Insurance Key Points:

Here’s why it’s worth considering:

It’s a Whole of Life insurance plan. Not term insurance, so policyholders are guaranteed a cash sum payout when they die.
Guaranteed Acceptance. There’s no medical, and they won’t even ask health questions. Apart from the obvious, do you smoke? We all know that’s going to hike prices.
Terminal illness cover is built in. If you are terminally ill, you have the option to claim the full cash value of your policy before you die.
If you’re involved in a fatal accident, the cash sum payable is tripled.
You stop paying premiums at the age of 90 (The One Family Over 50s Plan is a Whole of Life Policy).

See How One Family Life Insurance Plans Compare Against Other Leading Life Insurance Companies

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Some Background On The Company

One Family Life Insurance remains a mutual organisation, meaning it doesn’t have shareholders to pay dividends to each quarter. It’s run for the benefit of its members. They’ve built a name for themselves as the experts in the over-50s market.

The Over 50s Guaranteed Life Plan from OneFamily has been available since 1995 and has partners throughout the UK and Europe who are familiar with the Over 50s market. So, given their long history, there is a strong element of trust.

To save you the hassle of digging up twenty-odd years of information, we’ve gone through what OneFamily is offering and detailed it here in this review.

One Family Life Insurance Reviews:

The reviews below are key differentiators for One Family Life Insurance compared to most other life insurance providers.

Review Platform	Review Quality And Number
Trustpilot	3,944 Reviews With An Overall Rating Of “Excellent”.
SmartMoneyPeople	A Score Of 4.1 Out Of 5. Based on 16 Reviews.
Fairer Finance	An overall score of 4 out of 5 stars.
Defaqto	Rated five stars, reflecting a high proportion of postive customer feedback.

What options are available for increasing coverage amounts with additional plans?

You can take out additional plans to increase the cover amount. Doing so allows you to access up to a total of £19,381 worth of cover across multiple plans.

However, it is essential to note that customers under 59 have a maximum cover limit of £9,324. There is no limit to the number of plans you can take out, but it is essential to ensure that the premiums for all plans combined do not exceed £75 per month.

The Smaller And Beneficial Things that OneFamily Offers

There are some excellent sweeteners that OneFamily Insurance offers its customers.

Here are some of the better ones:

OneFamily Insurance & Free Care Advice For The Elderly

This is handy for those over 50 who are caring for elderly parents, relatives, friends, or others in their home.

Anyone over 50 working as a carer for someone elderly would likely find it nice to have a support line to call for advice whenever they’re unsure. Especially considering it’s free.

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Free advice on Will Writing

Many people wouldn’t know where to start writing a will. Once that’s done, you most likely wouldn’t know the next step.

There are will-writing services, but how do you get recommendations for them when the people who have used them aren’t around to tell you of their experience?

Through advice and services from those who work in the industry.

Ongoing support and advice service is free to those diagnosed with a serious or terminal illness.

It’s reassuring to know that if you fall ill, there’s a support service available.

Bereavement help when your family needs it

When you do go, OneFamily has bereavement advice services available. They don’t just send a bunch of money and close your account.

They’ll follow up and offer bereavement support or even provide that listening ear as your family goes through the bereavement process.

The big one: Advice on legal matters

It’s not every day that someone suffers the loss of a loved one, so they are going to need some help to navigate the process. What to do, where to go, who to phone, etc.

OneFamily Insurance has support services to help advise and guide people if needed.

One Family Insurance. The Not-So-Clear Parts Cleared Up

The OneFamily Insurance Over 50s Guaranteed Plan has an age cap of 80. You must be between the age of 50 and 80 to be eligible.
The cover starts from £8 per month, depending on your situation and the amount of insurance you want to cover.
Full cover only begins after you’ve been on the Over 50s plan for two years. Should your death happen within the first two years of taking out the policy, the cash sum won’t be paid, but instead, OneFamily would pay 150% of the amount paid to them.

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One Family Funeral Funding and Cash Lump Sum

You have two choices for how the funeral plan payout works. Golden Charter manages the funeral funding option and pays out directly to your chosen funeral director. Their policy provides you with a £300 contribution towards funeral costs.

To put that in context, SunLife’s 2025 Cost of Dying Report shows the average UK funeral now costs £4,280.

This represents a 3.5% increase from £4,142 in 2023. The £300 contribution certainly helps, but it’s worth noting that the policy is designed to contribute rather than cover the full cost.

Direct cremation, which in the UK averages £1,596 according to the same report, doesn’t qualify for the £300 contribution under this scheme.

If you choose the cash lump-sum option, your loved ones receive the money directly. Many families use this payout to pay off unpaid debts or as an inheritance.

If you die from natural causes within the first two years, your estate receives 150% of the premiums paid. Any excess amount after paying for the funeral is added to your estate as well.

Reasons To Consider Getting A Quote From Insurance Hero:

Affordable and comprehensive insurance for all ages
Get a fast & free quote without needing to travel to an office
Secure life insurance and save your money on one of the most essential requirements in life
There is no obligation to proceed after getting a life insurance quote
A broad selection of coverage choices for different lifestyles, which include critical illness cover
Flexible coverage on whole life insurance plans
No need to wait around or locate life insurance quotes from multiple vendors because we offer the best deal coverage for all your needs
We’ll explain the average cost of life insurance cover and what suits your budget, regardless of your current income

In Conclusion:

We hope you have found our One Family Life Insurance reviews helpful.

One Family Over 50s Life Insurance provides straightforward cover backed by strong industry ratings and decades of experience.

With a Defaqto 5-star rating for 2025 and a Trustpilot score of 4.5 stars from over 3,000 reviews, you’re choosing a provider that consistently delivers.

Their guaranteed acceptance for UK residents aged 50 to 80 makes the process simple, with no medical questions required of you.

The OneFamily Over 50s Life Cover Plus Plan has a few things different going for it:

The serious illness cover allows the option to claim 20%
A critical illness component will enable you to cash out your whole of life cover for the full amount of your cash sum if you’re diagnosed with a terminal illness
If you’re involved in a fatal accident, the cash value is tripled

If you’re looking for family life insurance cover, one of the things you may be wondering is what happens if you die. What will your loved ones receive?

How will they be able to manage without your income? One of the benefits of a life insurance payout is that it can help provide financial security for those you leave behind.

This can help reduce the disruption that often follows when someone dies suddenly. Additionally, many people underestimate the extent to which their survivors rely on them financially.

A life insurance payout can help compensate for this loss and allow your loved ones to continue living comfortably after your death.

Are you ready to learn more about how a life insurance payout could benefit your family? Feel free to complete one of our simple forms to get free quotes today from some of the UK’s top life insurance providers.

Further Information:

Customer Services
OneFamily UK
16-17 West Street
Brighton
BN1 2RL

Visit The Website

Company number: 08492255

Customer service phone: 0800 085 0700

Overseas customer service phone: +44 1273 062 512

Claims phone number: 0800 028 1112