The Fixed Plan.

Grandad and grandson

Nobody knows what the future holds, but it makes sense to plan ahead and give your family a helping hand when they need it most. 

The Fixed Plan pays out a cash sum if you die after one year of taking out the plan. The monthly premiums are fixed, so you'll always know how much you're paying. The money could be used as a gift to your loved ones or even to contribute towards funeral costs. 

The Fixed Plan offers

  • Guaranteed acceptance for 50 to 80 year old UK residents
  • No medical or health assessment
  • Your loved ones could get a cash sum after just one year, see how we compare.
  • Fixed premiums starting from £8 month depending on your age
  • An extra £250 contribution towards your funeral costs with the Funeral Benefit Option

Our minimum cash sum of £1000 means your loved ones will receive a cash sum that could make a difference when they need it most, even if you choose our lowest monthly premium.

Important things you need to know

Cash sum The cash sum is fixed, so inflation will reduce its buying power in the future.
What happens in year one? If you pass away within one year of starting the plan we will pay back all premiums paid. However, if you die as the result of an accident then the full cash sum will be paid instead.
Cash value Please remember that this is not a savings or investment plan and has no cash value unless a valid claim is made.
Premiums Depending on how long you live, total premiums paid to us may be greater than the cash sum payable on death.

Premiums will stop on your 90th birthday but your cover will continue for the rest of your life. If you stop paying your premiums when due your plan will be cancelled and you won't get anything back.

You can take out more than one plan, but the total premiums can't exceed £50.
Funeral costs The Fixed Plan is not designed to meet the full costs of a funeral, and does not guarantee to do so.
You can place the plan in Trust to help ensure the cash sum from the plan goes to those you wish to benefit from it.

Please read the Policy Summary (PDF: 64KB) before you apply.

Ready to apply?

Or call us now on
0800 316 8435

8am to 8pm Monday to Friday
9am to 5pm on Saturday

We may record and monitor calls.

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Placing your life insurance policy in trust can also help protect against Inheritance Tax. Visit our Trust Hub for more information.

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