Why choose the Guaranteed Over 50 Plan for your life insurance?
A guaranteed fixed cash sum and no medical or health questions
| - The Guaranteed Over 50 Plan provides a fixed cash sum to leave as a gift for loved ones or to help towards funeral costs.
- Provided you’re aged 50 – 85 and a UK resident, we guarantee to accept you.
- We’ll pay out the fixed cash sum on your death as long as you’ve been paying into the Plan for at least two years.
- If you die in the first 2 years, we’d pay back all the premiums paid, plus half as much again.
- Because the cash sum is fixed, inflation will reduce its value over time.
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| Premiums from £4 a month | - Premiums from as little as £4 a month - that’s the lowest premium available on the market for plans of this type.
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| Affordable premiums that never change | - You can choose any premium from £4 to £74 a month, as long as the cash sum doesn't exceed £20,000.
- The premium you choose will never go up and your cover will never go down – no matter what happens to your health.
- You simply need to keep paying in every month throughout your life, as if you stop paying, your cover will end and you won’t get anything back.
- Depending on how long you live, the cash sum paid out could be less than the total amount paid in premiums
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See an example of how Sun Life Direct compare in the market
| Example based on a 65 year old female |
Cash sum for £14 a month | | Lowest monthly premium available |
£2,650 | Sun Life Direct | £4 |
£2,543 | LV= | £5 |
£2,415 | Post Office | £7 |
Cash sums shown based on a 65 year old female paying £14 a month. Figures for LV= and Post Office taken from their websites on 13/02/12 and correct at the time. Terms and conditions for each Plan will differ and the cash sum will depend on your age, sex and the premium you choose.
| Most popular Plan | - The Guaranteed Over 50 Plan is the most popular Plan of its type^, with over 787,000** customers. So you’re in safe hands. You can find out more about why our customers choose us here.
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| PLUS | - The first month’s premium is free.
- You can choose a gift to welcome you into the Plan.
- If you were to die in a travel accident, or within three months of an accident as a result of your injuries, we’d pay out three times your fixed cash sum
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This website contains information on how the Guaranteed Over 50 Plan works. As the website does not contain advice, you need to be satisfied this type of policy meets your needs. If you are unsure and need advice, please visit www.unbiased.co.uk to find an Independent Financial Adviser in your area - you may have to pay for the financial advice provided. Alternatively, if you have any questions about the plan, you can call us on 0800 904 7674.
^Most popular whole of life guaranteed acceptance plan bought directly. ABI statistics, Q1 - Q3 2011.
**787,017 Guaranteed Over 50 Plan policyholders as at 27/10/11.
††This testimonial is genuine and the original may be inspected at our Bristol offices giving 24 hours’ prior notice. The photograph is posed by a model to protect the privacy of the customer involved.