Great value

Bigger payouts

Funerals are expensive. So you want to get as much as you can for your family. It’s worth comparing payouts before you buy. 95% of the time, we pay out more than SunLife.*

Fairer cover

It may come as a surprise, but if you’re with another provider and stop your payments, your family will get no money at all. With us, if you need to stop paying, they could still get some money when you pass away.

Flexible payments

If you stop paying you could lose all your cover. With us, you can reduce it to bring your payments down. You just have to keep paying at least £3.95 a month.

Full cover after just 1 year

You only have to be with us for 1 year before you’re fully covered. If you pass away while you are covered after the first year, we will pay out the full payout amount. Some providers will make you wait 2 years.

Accidental death cover, at no extra cost

Take out an Over 50s Life Cover policy and you’ll be immediately covered for accidental death†. If you were to die as the result of an accident in the first year, we will pay the full payout amount. It’s extra peace of mind, at no extra cost.

All from just 13p a day

You can start a policy from just £3.95 a month – that’s just 13p a day! And you can make a bigger monthly payment for a bigger payout for your family. Talk to one of our UK experts to work out a monthly payment that suits you.

How can we do all this?

As a mutual, we have no shareholders to pay. So we can put more of our profits into making our products great for our customers. 

*Where monthly payment and age of applicant were comparable, on 20 March 2017

†Accidental death

If you die within the first year of this policy as a result of an accident, we’ll pay the full Payout. When we say ‘accident’, we mean an event that causes physical injury which could not have been predicted and was not intentional.

If you commit suicide, within the first year, this wouldn’t be counted as an accidental death and we’ll return all the payments you have made up to that point.

Non-accidental death

If you die during the first year of your policy and it wasn’t because of an accident, we’ll return all the monthly payments you’ve made up to that point.

For example, if your monthly payments were £20 and you made six payments before you died, we’d refund the £120 you’d paid us.