Guaranteed acceptance – if you’re aged 50 to 80 years
Premiums are guaranteed never to rise – you choose the monthly amount from between £7 and £50 per month
No medical or health checks required – get covered today
Guaranteed cash lump sum paid out to your loved ones when you die
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During the first two years
If you die of natural causes depending on who you choose to provide your life cover your loved ones will receive a pay out upto 150% of the premiums paid. If you die as a result of an accident we will pay out three times the life cover up to a maximum pay out of £48,000 to your loved ones.
After the first two years
Depending on the cover selected the pay out will be the sum assured, less any serious illness benefit.
Serious and terminal illness benefit
After you have had your policy for two years, the insurer may pay out if you’re diagnosed with a serious or terminal illness.
The cash lump sum on death normally counts as part of your estate and so may be subject to inheritance tax. You could pay more in premiums that the plan pays out.
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