Over 50's Guaranteed Life Plan

Peace of mind for you and security for those you love.

If you are between 50 and 75 years of age, the Over 50's Guaranteed Life Plan offers a guaranteed lump sum to give your loved ones a helping hand when you're no longer there for them.

There is no medical examination or health questionnaire required, you do not have to make any statement about your health and we will not contact your GP.

From as little as £10 per month, the plan provides a convenient way to ensure there is money available to help cover any bills, expenses or simply as a legacy for your grandchildren following your death.

The plan comes with these important guarantees:

• Guaranteed Cash Sum for the ones you love, following your death
• Guaranteed Acceptance with no medical questions asked
• Guaranteed Premiums that will never increase, regardless of changes in your health, age or occupation
• Guaranteed Lifelong Cover unless you choose to cancel
• Guaranteed no more payments after age 90 though cover will continue for the rest of your life

The cash lump sum is guaranteed as long as you continue paying premiums until you reach age 90, or until you die, which ever occurs first. Depending on how long your cover remains in force, your total premiums paid may eventually be greater than the amount payable on death. Take a look at the premium options available. The sum insured depends on your monthly payment, age and gender, use the chart to see what you could receive.

Payment of the sum insured is made following your death. If you die within the first 2 years of the plan, we will pay back all the premiums paid unless your death is accidental in which case you may receive the full cash sum. The plan has no cash in value and inflation could reduce the final value received. Please see the Key Features and Plan Conditions for full details.

To find out more information take a look at the Common Enquiries page.

We have given no advice on this product. If you feel you need advice as to whether this plan meets your needs, you should contact an Independent Financial Adviser who may charge you for advice. Bank of Scotland offers Halifax Investment products.

Before you apply you should read the following pages:

• Key Features and Plan Conditions of the Over 50's Guaranteed Life Plan
• Information about our services document