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.

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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.

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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.