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Compare over 50s life insurance plans.
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 at least two years after starting the plan | | |
| 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 value of the cash sum of the plan | | |
| 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.
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 start from £8 a month, depending on age.
The Increasing Plan
Designed to 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 to £15 a month depending on age.
