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.

Comparison Table
ProductFixed PlanIncreasing Plan
Fixed monthly premiums  Yes    No  
Fixed cash sum – if you die after one year of the plan starting  Yes    No  
Cash sum reviewed each year in line with the change in RPI  No    Yes  
Monthly premiums reviewed each year  No     Yes  
Cash sum paid on death to your estate – unless assigned or placed in trust  Yes    Yes  
Inflation will reduce the buying power of the cash sum  Yes    No  
Help towards your funeral expenses and at the same time have an extra amount allocated at no extra cost*  Yes    Yes  

*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 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.

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