One Family life insurance

One Family life insurance is rated highly by their customers, having received a 5 stars Defaqto rating.

One Family is also rated 3.5 stars on Trustpilot - although this rating includes all of their services and not just life insurance.

At Reassured, our life insurance broker service is rated 5 stars on Trustpilot with over 45,000 customer reviews.

A One Family over 50s plan is available to those aged 50 - 80 who live in the UK.

Over 50s plans are ideal for those later on in life, who may have struggled to secure life insurance due to ill health. The pay out from an over 50s plan is often used to help cover funeral expenses.

You can apply for a One Family over 50s plan online, by phone or through the post.

You can also secure a One Family over 50s plan by using our award-winning broker service.

We can help you through every step of the application process and answer any questions you may have.

You’ll be covered immediately after your application is processed and accepted. Once in place, your cover will last for life, as long as you keep up to date with your premium payments.

Premium payments stop after you turn 90

Once you reach the age of 90 you’ll no longer be required to pay your premiums and your cover will remain valid until you pass away.

If you stop paying your premiums before the age of 90, your cover will cease and you won’t be entitled to claim your money back.

As with most over 50s plans, there will be a waiting period included in your policy. With One Family, this waiting period is 2 years.

This means that if you pass away during this time, as a result of natural causes, a pay out won’t be made to your loved ones.

However, One Family will pay out 150% of the premiums you’ve paid up until your death.

The policy will also include an accidental death benefit, meaning if you pass away as a result of an accident (within the first 2 years) then 3x your cover amount, up to a maximum of £48,000, will be paid out to your loved ones.

After these two years, you’ll be fully covered and your terminal illness cover will begin.

Why not use our fee-free life insurance broker service to compare One Family over 50s plans with other leading providers?

Although One Family only accept those aged 50 - 80, at Reassured we work with other leading providers who can secure cover for those up to the age of 85.

Simply get in touch with our award-winning team who can guide you through all of your options.

Claims can be made by calling 0800 028 112.

If your loved ones are claiming due to your passing, they’ll need to send One Family the death certificate or a certified copy of it. A claims form will be sent off on receipt of the death certificate.

The named beneficiary, listed within the policy, will need to complete the claims form and send it back.

Once this has been received, along with any other requested documents, the claim will be processed.

If you’re making a terminal illness claim you can do this yourself or a loved one can do this on your behalf using the same contact number.

A One Family over 50s plan includes the Funeral Funding feature, provided by Golden Charter.

This is a feature that will allow the proceeds of your policy to be paid to a funeral director to cover the costs of your funeral.

Golden Charter will also provide a £300 contribution towards the cost of your funeral.

If the proceeds are more than what’s needed for your funeral, the remaining balance will be paid to your estate.

You should be aware, that if your chosen funeral type is a direct cremation you won’t be eligible for the £300 contribution.

You also won’t be able to use this feature if you pass away within the first 2 years of your policy. Instead, 150% of the premiums you have paid will be paid out to your estate.

While this is a very generous policy add on, the contribution plus the pay out from the policy may not cover all the associated costs of a funeral.

Funeral costs have risen 130% since 2004 and are expected to continue rising, with the average total cost of dying now standing at £9,493^[1].

If you’re worried about your loved ones having to pay out of their own pockets for additional funeral costs, you may consider a pre-paid funeral plan.

A prepaid funeral plan allows you to plan and pay for all your essential funeral services in advance, protecting your loved ones from the full cost of the funeral when the time comes.