Product profile
Description
Up to £25,000 life cover to help with things like funeral expenses when you are no longer around.
Age
50 to 80
Benefits
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Amount of cover depends on age and sex
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Death
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Level benefit basis
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Guaranteed acceptance
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Premium fixed for period of policy
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Accidental death cover only for first 12 months
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No medical or health questions
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Premiums returned if die naturally within 12 months
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Cover continues for free when you become 90
Options
Notes
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Your cover amount is fixed when your plan starts and does not change
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It won't keep up with inflation and will buy less in the future
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Premiums paid might be more than the cash sum paid when you die
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Payment normally goes to your estate, so inheritance tax could apply
Last updated: 5 October 2010