Compare current eligibility, cover, qualifying periods, exclusions and personalised premiums
OneFamily is a mutual provider offering financial products including over-50s life insurance. Check its current company and product information at the original source.
Whether a OneFamily policy is suitable depends on the eligibility criteria, cover, qualifying period, exclusions, premium terms and your circumstances.
Run a Free Quote Comparison »OneFamily is a mutual organisation owned by its members rather than external shareholders. Check the current membership arrangements, company information and product documents at the original source.
Information to compare:
OneFamily over 50s premiums are competitively priced, typically in the mid-range compared to other providers. Costs vary based on age, smoking status, gender, and cover amount. Premiums are fixed and never increase throughout your lifetime.
Example monthly costs for £5,000 cover:
| Age | Non-Smoker | Smoker |
|---|---|---|
| 50 | £12-18 | £18-28 |
| 60 | £18-28 | £28-42 |
| 70 | £35-50 | £55-80 |
| 80 | £70-100 | £110-150 |
Example monthly costs for £10,000 cover:
| Age | Non-Smoker | Smoker |
|---|---|---|
| 50 | £20-30 | £32-48 |
| 60 | £32-50 | £50-75 |
| 70 | £65-95 | £100-150 |
| 80 | £130-190 | £200-280 |
Some over-50s products do not ask medical questions, but acceptance remains subject to the provider's stated age, residency and other eligibility criteria.
A qualifying period may apply before full cover begins. Check its length, how death during that period is treated and what amount would be payable under the current policy terms.
If you cancel the policy, there's no cash value or refund of premiums paid. The policy only pays out on death, making it purely protection insurance, not a savings product. Once you start paying, you're committed to continuing or losing all value.
How OneFamily pricing compares:
| Provider | Monthly Premium | Qualifying Period | Annual Cost |
|---|---|---|---|
| SunLife | £35-42 | 24 months | £420-504 |
| OneFamily | £38-46 | 24 months | £456-552 |
| Legal & General | £40-48 | 12 months | £480-576 |
| Aviva | £42-50 | 12 months | £504-600 |
Prices are indicative. OneFamily is competitively priced but not always the cheapest. Shorter qualifying period (12 months) with L&G/Aviva may offer better value despite slightly higher premiums.
OneFamily premiums are mid-range - not the cheapest (SunLife often beats them), but competitive compared to major brands. The ethical approach and mutual structure are the key differentiators, not rock-bottom pricing.
The personalised premium depends on age, smoking status, chosen cover and the provider's current pricing.
For cover intended to continue for life, total premiums may exceed the benefit amount. Compare the total potential premiums with the cover and check what happens if payments stop.
Any discretionary bonus, membership benefit or investment policy can change. Check current details and conditions at the original source rather than treating them as guaranteed.
LifePro can compare the policies available from its insurer panel, including eligibility, cover, exclusions, qualifying periods and personalised premiums.
There is no broker fee or obligation to buy. If a policy starts, the insurer pays LifePro commission.
Request a Personalised Quote »It is a whole-of-life product intended to pay a cash benefit when a valid claim meets the policy terms. Check current eligibility, cover limits, qualifying periods and exclusions.
Check the current application requirements. A product described as guaranteed acceptance remains subject to its stated age, residency and other eligibility criteria.
The premium depends on age, smoking status, chosen cover and current pricing. Request a personalised quote and compare the total potential premiums with the benefit.
Check the current policy documents for the length of the qualifying period, how natural and accidental death are treated during it and when full cover begins.
Compare eligibility, cover limits, qualifying periods, exclusions, premium terms, cancellation provisions and personalised pricing. Check independent ratings and claims data at their original dated sources.
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