Is One Family The Best Over 50 Life Insurance Policy?

antoine fruchard Antoine Fruchard  updated on July 29, 2020

This is the ultimate review to guide you through the ins and outs of One Family over 50 insurance. You might already know that One Family has several different contract options. 

Some are great. Some are less useful. Some are simply too expensive.

So, if you want to get better value for money from your One Family over 50 plan, as well as indicative quotes and tips to lower your insurance premium, then you’ll probably love the following article.

Let’s dive right in!

Is One Family over 50 plan the best life insurance?

When taking out life insurance, there are so many things to think about. Life insurance is one of the most important insurance plans to have, as it is the best way to protect your loved ones if something happens to you. 

One Family life insurance has a lot to offer. Here are the main points that you should look at before taking out life insurance with One Family. 

4 Safe overall rating for One Family life insurance

Rating CriteriaSafe RatingOur Review
Customer service satisfaction, claims and support

OneFamily has a 5 star rating from Defaqto
4.1/5 rating from TrustPilot
Availability of Support services
No live chat option

Coverage options

Serious and Terminal illness cover is provided as a standard
In the case that the policyholder is critically ill,there’s an option to claim 20% of the insurance cover
The Accidental Benefit option attracts a cash sum of up to £48,000 in the event that the policyholder is involved in an accident and dies within a two year time frame
Non smokers are rewarded with higher levels of life cover.

Value for money

A 5% discount is given when an insurance policy is gotten online
Full cover is provided after 2 years
The payment of monthly premiums stop when the policyholder is 90 but cover continues
There is flexibility in terms of the payout amounts.

Financial strength

As at January 2020, OneFamily has had over 2 million customers and has provided over £7 billion worth of cover for families.

Apps and technologies

Adequate information is provided on the website
Quotes can be gotten online
No option to fill out claims online
No chatbot

Safe rating for One Family over 50 plan Life insurance

Expert and customer satisfaction reviews for One Family

Review organisationConsumer satisfaction rates for One Family over 50 Life insurance Plan
Defaqto5
Experts rating for One Family

One Family insurance in a nutshell

In summary, here are the main features you need to know when taking out life insurance with One Family. 

CriteriaOne Family details
Minimum age50 years
Maximum age 80 years
Pay-out

Maximum payout of £20,000.

Extras
  • One Family Health Support Service
  • Serious and terminal illness benefit
One Family life insurance in a nutshell

How does One Family over 50s life insurance work? 

One Family over 50 life insurance is a whole-of-life insurance policy. The idea is to pay your life insurance with monthly installments. The day you pass away, it pays out a lump sum to pay different expenses, such as your funeral. You can also leave a sum of money to your loved ones. 

What cover One Family over 50s life insurance? 

Your loved ones will receive a cash sum that can help towards:

  • Funeral expenses
  • A gift to loved-ones 
  • Unpaid bills, mortgages 

Here are the main features proposed by One Family over 50 insurance:

Features proposed by One Family over 50 planDefinition Details
Fully insured Number of years paid to be fully insured

Full insurance is provided after 2 years.

Funeral ExpenseThis is a free service. It means that the money will go directly to a funeral director and will serve to pay for the funeral.£300
Accidental BenefitIf an accident happens within the first year or second year (if it is two years before you get totally covered), your relatives will receive the cash sum. If the policyholder dies as a result of an accident, One Family will pay out three times the life cover up to a maximum pay out of £48,000.
Free coverThe cover is getting free at a certain age depending on insurance companies.  90 years
One Family life insurance with free giftInsurance companies usually propose free welcome gifts when taking out over 50 life insurance.

A 5% discount is given when an insurance policy is purchased online.

One Family Over 50 life insurance features

How much is One Family insurance?

How much you will pay for One Family life insurance for over 50 depends on a lot of factors: 

  • Your age 
  • How much cover your want 
  • Some insurers will ask if you are a smoker or not.

Here is a table that recapitulates over 50 One Family plan.

Details
Min payment£8
Max payment£75
Flexible paymentNot stated
Monthly payment – Over 50 One Family Life Insurance

How to contact One Family life insurance?

Here are all the important phone numbers for contacting One Family life insurance: 

ServicePhone NumbersOpening Hours 
Get a quote at One Family 0800 028 1112

Monday to Friday 9am to 7pm
Saturday 9am to 1pm

How to claim at One Family 0800 028 1112

Monday to Friday 9am to 7pm
Saturday 9am to 1pm

How to cancel at One Family

0800 028 1112

Monday to Friday 9am to 7pm
Saturday 9am to 1pm

One Family phone numbers

What are One Family general contact details? 

You will find in this table all the general contacts that you would need if you want to reach One Family life insurance: 

General contacts
Mailing address

One Family Insurance
16-17 West Street
BN1 2RL
Brighton
United Kingdom

Social media 

Twitter, LinkedIn, YouTube, Facebook

Chatbot

No

One Family general contacts

How to claim at One Family life insurance? 

You will find on this table the different possibilities for reporting a claim on your One Family life insurance: 

How to claim on your life insurance at One Family?
When to claim?

As soon as possible

Claim by mail

Claims Department
OneFamily,
16-17 West Street,
Brighton,
BN1 2RL

Claim by emailNot available
Claim online

Not available

Claim by phone

0800 028 1112

Claim at One Family life insurance

How to cancel my One Family life insurance? 

You will find on this table the different ways to cancel your One Family life insurance: 

How to cancel your life insurance at One Family
Fees
  • If the insurance policy is cancelled within 30 days, the premium paid would be refunded fully
  • If the insurance policy is cancelled after 30 days, no refunds would be made
Cancel by mail

OneFamily,
16-17 West Street,
Brighton,
BN1 2RL

Cancel by email

Not available

Cancel onlineNot available
Cancel by phone

0800 028 1112

How to cancel my One Family life insurance?

How do I get One Family life insurance quotes? 

Here are the different ways to get a life insurance quote at One Family: 

How to get a life insurance quote at One Family
Quote online

On the Home Page, Click on the "Get your free quote" option

Quote phone

0800 028 1112

Get a quote at One Family

How do I log into One Family life insurance?

Click on the "Log in" option on the Home Page

Do we recommend One Family life insurance?

OneFamily is a financial services company that offers a wide range of savings and investment products. It was founded in 2015 and is based in Brighton and is a mutual, meaning it is owned by its customers. OneFamily was created when Engage Mutual Assurance and Family Investments merged. Apart from the regular options like Support Services, Funeral Benefits, Full cover after two years and Accidental Benefits, OneFamily offers terminal illness cover as a standard and a 5% discount when an insurance policy is gotten online. Their services are recommended.