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Compare over 50s life insurance plans.
The table below allows you to see the differences between our three Over 50s Plans, so you can decide which one is best suited to your own needs.
| Product | Fixed Plan | Increasing Plan | Insured Funeral Plan |
|---|---|---|---|
| Fixed monthly premiums |  |  | |
| Fixed benefit – if you die at least two years after starting the plan | | | |
| Benefit reviewed each year in line with RPI | | | |
| Monthly premiums reviewed each year | | | |
| Provides a traditional cremation funeral – if you die at least two years after starting the plan | | | * |
| Benefit on death paid to your estate – unless assigned or placed in trust | | | ** |
| Inflation may reduce the value of the benefit of the plan | | | |
| Help towards your funeral expenses and at the same time have an extra amount allocated at no extra cost*** | | | |
*The Funeral Plan can also be used as a contribution towards the cost of a burial. Read more about The Insured Funeral Plan
** Benefit is used to pay Dignity for a funeral service provided by the Insured Funeral Plan, unless you remove the 'legal charge'.
***This facility is available if you choose the Funeral Benefit Option with the Fixed or Increasing Plans.
What is RPI?
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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The Fixed Plan
Designed for those on a budget as the premiums and cash sum are fixed and will never increase once the plan starts. Premiums from just £5 a month.
The Increasing Plan
Designed to protect your cash sum against inflation, as the plan is reviewed each year in line with the Retail Prices Index. Premiums from just £5 a month.
Insured Funeral Plan
Designed for those who want to cover funeral expenses. The Insured Funeral Plan is also reviewed each year in line with the Retail Prices Index.
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