Guaranteed acceptance - Other than your smoker status, you won’t be asked any medical questions
Affordable cover - Premiums start from just £7 a month depending on your age
Fixed monthly cost - Choose the level of cover you need from £2,000 to £20,000 for a fixed price
Guaranteed Cash Benefit after 2 years - Immediate cover for Accidental Death
You might be able to stop paying early
Most Over 50s plans have a fixed end date e.g. age 90/95. Our new approach means that some of your premium participates in the Scottish Friendly With-Profits fund, meaning growth in the fund could result in us letting you know you can stop paying before age 90 safe in the knowledge that your cover is fully secure.
You can still get some cover even if you can’t pay all your premiums
Similarly, with most other plans, if you can no longer afford to pay your monthly premium, your loved ones won’t get anything back when you pass away. With Scottish Friendly, if you’ve paid a minimum of 5 years’ worth of premiums, they’ll get a proportion of your cover amount back (based on what you’ve already paid and how long until your 90th birthday).