50 Plus Cover | Apply Now
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Have you smoked or used any nicotine products in the last 12 months?

I confirm that I am a UK resident

I confirm that I have read and understood the terms and conditions below

It is important that you understand the policy and the way it works. We pride ourselves in working with our customers in a completely transparent manner and as such, we recommend that you read the following points carefully. If you are unsure or wish to speak to someone to clarify any of the following details, you can call us on 0800 051 9114 or contact us using the web form.


  • OneFamily cover 20 Serious Illnesses
  • Each Illness has a specific definition which, when met, the policy will pay out 20% of the Sum Assured. The remainder will then be paid out on death
  • 80% of all Serious Illnesses are Heart Attacks, Cancers and Strokes
  • The definition of cancer (the most claimed Illness of all) reads: “A Malignant Tumour characterised by the uncontrolled growth of malignant cells and the invasion of tissue. Cancers classed as Non invasive, Pre-malignant and Cancer in Situ are not covered”
  • The policy will continue to run on a Whole of Life basis. You can stop paying the premiums from the age of 90 but you will still be fully covered
  • The premium is Guaranteed which means it will never change once you have started the policy
  • You will need to have paid into the policy for 2 years before the full Sum Assured is applicable
  • In the event of Accidental Death during the first 2 years of the policy, it will be pay out at 3 times your Sum Assured (i.e. if you have £10,000 cover, the policy will pay out £30,000 in the event of Accidental Death during the first 2 years)