The Fixed Plan.

Planning ahead could help those you leave behind.

From as little as £5 a month, our Fixed Plan is a simple way to give your family a helping hand. It's designed for those on a budget, as the monthly premiums are fixed so you'll always know how much you're paying. The cash sum pay out is also fixed (according to your chosen premium) and can be used towards funeral expenses, unpaid bills or even as a gift to your family.

The Fixed Plan offers

• Guaranteed acceptance with no medical or health assessment when you apply
• Premiums start from just £5 a month and will never go up once you've taken out cover
• Get an extra £250 towards your funeral costs with the Funeral Benefit Option
• £50 M&S voucher if you apply before 30 June 2012

How it works

• We will pay your cash sum if you die two or more years after your plan starts.
• If you die within the first two years we will refund any premiums paid, unless you die as the result of an accident, when we will pay your cash sum. Terms and conditions apply. Please refer to the section 'What exactly does accidental death benefit mean' in the Policy Summary PDF for more details.
• When deciding on the amount of cash sum you'd like, please consider that inflation may reduce it's value.       
• Depending on how long you live the total premiums paid could be greater than the cash sum paid out on death.