Over 50 Guaranteed Life Plan

If you are between 50 and 75 years of age, the Over 50 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.

Take a look at our simple rate chart (PDF New Window)

• Provides a guaranteed sum for the ones you love, following your death (PDF New Window)
• The cash lump sum is gauranteed as long as you continue paying premiums until you reach age 90, or until you die, which ever occurs first.   
• Monthly payment starting from £10
• Your payments will never increase. Depending on how long your cover remains in force, you total payments may eventually be greater than the amount payable on death. 
• You won't have to make any more payments after your the age of 90, though cover will continue for the rest of your life. 
• If you die within the first 2 years of the plan, we will only refund payments unless your death is accidental in which case you may recieve the full cash sum. 
• Guaranteed lifelong cover unless you choose to cancel.
• The plan has no cash in value and inflation could reduce the final value recieved.

Please see the Key Documents for full details

Useful Links

Common Over 50 Guaranteed Life Plan Enquiries

Before you apply you should read the following pages:

Key Features of the Over 50 Guaranteed Life Plan (PDF New Window)

Plan Conditions of the Over 50 Guaranteed Life Plan (PDF New Window)

Information about our services and costs (PDF New Window)

If you have read the Key Features document you are now ready to complete your Over 50 Guaranteed Life Plan application.

Applying online is very simple, totally secure.

What's more, you can use your existing Bank of Scotland online bank account.

You will need the following details:

• Your bank account details

If you would rather apply by telephone, call us on 0845 602 4782. If you feel you need advice as to whether this plan meets your needs, you could contact an Independent Financial Adviser who may charge for this advice.