Planning for the future can give you extra peace of mind and could help your loved ones when they need it most. 

The Increasing Plan pays a cash sum if you die after one year of starting the plan and is designed to help protect your cash sum against inflation. The money could be used as a nest egg for your family or to help with unpaid bills when you're gone.

The Increasing 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.
  • Premiums starting from £8 a month depending on age
  • Get an extra £300 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.


Cash value Please remember that this is not a savings or investment product and has no cash value until a valid claim is made.
What happens in year one? In the first year, if you die from natural causes we will refund your premiums. If you die as the result of an accident, we will pay your cash sum.
Premiums and cash sum

Depending on how long you live, total premiums paid to us may be greater than the cash sum payable on death.

We will pay your cash sum if you die after one year from the start of your plan regardless of the cause of death.

Premiums stop on your 90th Birthday, but your cash sum will continue to be reviewed every year in line with the change in the Retail Price Index (RPI).

If you stop paying premiums, you will lose your cover and will get nothing back.

You can take out more than one plan, but the total premiums can't exceed £50.

Annual review

Your cash sum is reviewed each year in line with the change in the Retail Prices Index (RPI). Your premium is also reviewed and will increase by the change in RPI multiplied by 1.5. To keep pace with inflation you need to make sure you can afford the future premium increases.

You can decline the annual review and your cash sum and premium will remain fixed. If you decline, inflation will reduce the buying power of the cash sum in future. You won't be able to increase your cash sum or premium in future years.

Read more about the annual review

Premium and cash sum increases

If RPI rises above 10%, the maximum increase in your cash sum will be 10% and the maximum increase in your premium will be 15%. If RPI is less than or equal to 0% there will be no increase in the cash sum or premium.

Funeral costs The Increasing Plan is not designed to meet the full costs of a funeral, and does not guarantee to do so.