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 you're accepted, you remain fully covered for as long as you continue to pay your premiums. Full life insurance begins after your first year. If you die of 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.

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 one year.}

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 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.

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.}