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

The Scottish Friendly Over 50's Guaranteed Protection Plan provides guaranteed life insurance for the over 50s. It pays your family a cash sum in the event of your death.

• No intrusive questions about your health
• No medical required
• Guaranteed acceptance - we simply ask if you are generally in good health*; if you are, and you're aged 50-75, you will be automatically accepted.

From just 27p a day, the Scottish Friendly Over 50's Guaranteed Protection Plan is an affordable way for you to prepare for the future and feel reassured that things are taken care of - without the worry.

*This means that you should not be diagnosed as having a terminal illness and you should not have reason to believe you life expectancy will be reduced by a known illness. For instance you should be able to go about day-to-day life without help or hinderance and have no pre-existing conditions such as cancer, heart or lung conditions, and have not had, or are due to have, major surgery such as any heart operation.

Cover for life

Once accepted, you remain fully covered for as long as you continue to pay your premiums. If you choose to cancel your plan, there is no cash-in value.

Full life insurance begins after your first year. If you die by natural causes during your first year, 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.

Once you reach the age of 85, you will no longer be required to pay any monthly premiums into your plan. But your life insurance cover remains 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 policy will lapse with no value.

How much does it cost?

You choose how much you want to pay. We offer a full range of guaranteed premiums for you to choose from. You can pay anything from £8 up to the maximum £50 per month.

And 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 cover you need you should bear in mind that inflation will, overtime, 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 one year.}

Request a Quote

Get a personalised quote and information pack sent to you in the post, or call us on 0800 585 625.

And if you're happy with it, there's an Application form included in the pack for you to apply straight away.