Setting up my plan was straightforward; the only regret I have is not taking it out earlier
The table below allows you to see the differences between the Fixed Plan and the Increasing Plan, so you can decide which one is best suited to your own needs.
|Product||Fixed Plan||Increasing Plan|
|Fixed monthly premiums|
|Fixed cash sum – if you die after one year of the plan starting|
|Cash sum reviewed each year in line with the change in RPI|
|Monthly premiums reviewed each year|
|Cash sum paid on death to your estate – unless assigned or placed in trust|
|Inflation will reduce the buying power of the cash sum|
|Help towards your funeral expenses and at the same time have an extra amount allocated at no extra cost*|
*This facility is available if you choose the Funeral Benefit Option with the Fixed or Increasing Plans.
The Retail Prices Index (RPI) is used as a measure of inflation. It measures the changing prices of everyday household goods and services like food and energy bills, and shows how the cost of living rises over the years.
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Designed for those on a budget as the premiums and cash sum are fixed and will never increase once the plan starts. Premiums start from £8 a month, depending on age.
Designed to help protect your cash sum against inflation. The plan is reviewed each year in line with the change in the Retail Prices Index. Premiums from £8 a month depending on age.