The Increasing Plan.

A simple way to give your family a helping hand

From as little as £5 a month, our Increasing Plan is a simple way to give your family a helping hand. The cash sum pay out can be used towards funeral expenses, unpaid bills or even as a gift to your family. It offers reassurance if rising costs are a concern. So if you want a plan that keeps up with the cost of inflation, this could be just what you're looking for.

The Increasing Plan offers:

• Guaranteed acceptance with no medical or health assessment when you apply
• Premiums start from just £5 per month (your cash sum depends on your chosen premium)
• 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

• Your cash sum is reviewed each year in line with the Retail Prices Index (RPI). Your premium will increase by 1.5% for every 1% increase in your cash sum. What is RPI and how does the annual review work?
• 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.
• Depending on how long you live the total premiums paid could be greater than the cash sum paid out on death.