What does the Over 50's Guaranteed Protection Plan offer?

The Scottish Friendly Over 50's Guaranteed Protection Plan provides guaranteed life assurance for the over 50's. It's a simple, affordable way to prepare for the future. You can feel reassured that from just 27p a day you could get guaranteed life insurance, which is designed to pay your family a cash lump sum or help pay for funeral expenses.

• No intrusive questions about your health
• No medical required
• Guaranteed cash lump sum payable on death

The Scottish Friendly Over 50's Guaranteed Protection Plan can help you take care of what's important and, once you have, it means you can get on with enjoying life.

Cover for life

Once you're accepted, you remain fully covered for as long as you continue to pay your premiums. Full life insurance begins after your second year. If you die of natural causes during your first 2 years, we will return your premiums in full. However, should you die of accidental causes during this time, we will pay out your life insurance in full.

What's more, once you reach the age of 85, you will no longer be required to pay any monthly premiums into your plan, but your level of life insurance will remain the same and your loved ones will receive the same payout. Depending on how long you live, the total premiums paid in may be more than the amount payable on death. If you stop paying the premiums, the plan will lapse with no value.

How much does it cost?

We all know how quickly the cost of living rises these days. That's why we offer a full range of guaranteed premiums for you to choose from. You can pay anything from £8 up to the maximum of £50 a month, so there's no need for you to feel stretched. Once you choose a premium, we guarantee it will never go up - and your level of cover will never go down!

Of course, the more you pay each month, the more your loved ones will receive when the plan pays out. The plan will have no cash-in value at any time. When choosing the amount of life cover you need you should bear in mind that inflation will, over time, reduce the value of the cash sum payable on death.

Your cover is dependent on your age, sex and smoker status when you take out a plan. Here are some examples of the life cover you could get for your monthly premium:

Monthly Premium	Female Smoker	Female Non-Smoker	Male Smoker	Male Non-Smoker
£8	£1,322	£2,138	£942	£1,655
£20	£3,588	£5,803	£2,557	£4,493
£30	£5,476	£8,857	£3,902	£6,858

^{Rates based on someone aged 60 after paying a monthly premium for two years.}

Get an extra £200 of funeral benefits with Golden Charter

If you'd like your Scottish Friendly Over 50's Guaranteed Protection Plan payout to be used towards paying for your funeral, why not nominate your payout to Golden Charter, the UK's leading independent funeral plan provider. Not only will you have the peace of mind of knowing they'll take care of arrangements for you, you'll even have an extra £200 of funeral benefits added to your payout.

Choosing the Golden Charter option couldn't be easier. To receive an extra £200 of funeral benefits when your plan pays out, just tick the Golden Charter box on your application form.

To find out more about Golden Charter click here

Request a Quote

Get a personalised quote and if you're happy with it, you can complete and submit our online application today.

Rates for this product differ for men and women. More information on this is available here.

_{*Applicable only if you choose the Golden Charter option.}