Over 50’s Life Cover Plus


Since 2004 the average cost of UK funerals has grown by 112% reaching £4,078 and forecast to grow still further to £4,944 by 2022*. For more information click here. 

However an affordable Defaqto 5 Star Rated life cover plan helps you to put aside something for those you love the most. Your family will benefit from the security of knowing that if anything happens to you, then a payout will be made. The legacy can help make your family’s life a little easier at a time when it’s needed most.


* Sun Life Cost of Dying Report – 2017

Value for Money

One Family Guaranteed 50 Plus Life Cover is a Defaqto Five Star Rated Over 50’s Life Cover Plan offering affordable premiums together with a wide range of added benefits.

Free Book

Preview book here

Why Choose 50 Plus Life Cover Plan?

For UK residents aged between 50 and 80 and who value peace of mind, OneFamily Guaranteed 50 Plus Life Cover assures a cash lump sum to help you and your family in the event of illness or bereavement.

You can depend on a guaranteed cash payout within days, along with a range of other valuable benefits included in the premium:


  • Serious and Terminal Illness Benefits as standard*

  • Guaranteed acceptance without a medical**

  • A range of premiums from only £10 per month up to £75

  • Easy application process.

  • No Medical

  • Up to £48,000 Accidental Death Cover in the first two years

  • 150% of the premium paid out for death by natural by causes in the first two years

  • Bereavement Advisor and Estates and Probates Helpline: Free dedicated bereavement advisers to lend a sympathetic ear and help your family work through all that needs to be done, from experts at Co-operative Legal Services

  • Legal Advice Line: Free initial advice on a wide range of legal issues including criminal, property, family and employment law, consumer rights, motoring offences, and accident or injury claims.

  • Care Advice Line: Free and impartial telephone based advice on choosing care

          * Once you have claimed for Serious Illness Benefit, your life cover and terminal illness benefit will reduce by 20%. If you claim for a terminal illness, the plan will end and there won’t be a further payout. ** Guaranteed acceptance is subject to existing cover and premium limits.

Happy females


See how well the One Family Over 50’s Life Cover Plus Plan compares with competitors. The example shown below is for a 63-year-old non-smoker, whose premium is £16 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.



Looking for information? Fill out the form below or call 01743 233000.

  • We are committed to protecting your privacy. We will only use the information that we collect about you lawfully (in accordance with the Data Protection Act 1998).

Please Remember

Premiums stop at 90 but cover continues for the duration of life. If you stop paying your premiums before then, cover will cease and you will not get any money back.

The cash lump sum typically counts as part of your estate and as such may be subject to inheritance tax.

You could pay more in premiums than the plan pays out

The over 50’s life plan is not a savings plan and has no cash value.

One Family is covered by the Financial Services Compensation Scheme (FSCS), which is designed to pay customers compensation if they lose money because an authorised firm is unable to pay what they owe because they’ve ceased trading and declared in default.

 To find out more about the options available for you and your family, please get in touch.

PG Protect Limited is an appointed representative of Godiva Broker Management Limited which is authorised and regulated by the Financial Conduct Authority.
Godiva Broker Management Limited’s FCA number is 616500.

Protection when you need it most

Early payout for terminal or serious illness

No one can read the future. Which is why it’s best to be prepared for any eventuality. Most over 50’s plans will only pay out when you die. So we’re offering the only plan that pays out if you are diagnosed with a serious or terminal illness. You can spend the money as you like – perhaps to pay for care or simply enjoy the time you have left.

Serious Illness

Finding out you have a serious illness can be a difficult time for your family and your finances. You can claim 20% of the sum assured if you are diagnosed with a serious illness after two years of holding your policy. This can help give your finances a boost when you need it. 80% of your sum assured will remain, which can be claimed if you’re diagnosed with a terminal illness or pass away. *

Terminal Illness 

You can claim 100% of your cover if you’re diagnosed with a terminal illness after two years. This means that  you can claim the whole of your lump sum to use in whatever way you choose. This could be for care, the cost of your funeral, or to leave to your loved ones. The choice is yours.

Funeral Funding

Give yourself peace of mind by adding the Funeral Funding Option to your plan. This means the proceeds of your policy go straight to your chosen funeral provider to help pay for it. The Funeral Funding Option offers a choice of funeral providers to you, who will make a £250 contribution towards your funeral costs, completely free of charge.

Just be aware that this isn’t a funeral plan, so your policy payout may not cover the entire cost of the funeral.

*You can only claim serious illness benefit once
** If you claim for terminal illness, when you have already claimed 20% for a serious illness, you are entitled to receive the remaining 80%.

Contact us on 01743 233000 or email admin@swassetprotection.co.uk to apply.

PG Protect Ltd is an appointed representative of Godiva Broker Management  Limited which is authorised and regulated by the Financial Conduct Authority.

Godiva Broker Management Limited’s FCA number 616500