Product profile
Description
Pays out a guaranteed cash sum when you die or are diagnosed as suffering from a terminal illness.
Age
18 to 64 (68 if level benefit basis)
Maximum amount payable
£5 million
Period of cover
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Minimum - no minimum
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Maximum - no maximum
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Cover ends on death
Benefits
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You choose the amount
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Death
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Guaranteed increase options on certain life events
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At age 90 cover continues but premiums cease
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Premium reviewable every five years
Warning
The insurer carries out random checks of recently started policies so if your policy is chosen, you'll be required within 30 days to undergo a medical examination. If you decline to be examined or, as a result of this examination, insurers find out that you've failed to tell them about a piece of material information, they can change or even cancel your policy.
Options
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Premium protection
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Level benefit
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Increasing benefit
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Decreasing benefit
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Indexation
Want to know more?
www.scottishwidows.co.uk/protection/choosing_your_cover.html
Get a quote
www.scottishwidows.co.uk/protection/get_a_quote.html
Last updated: 7 August 2008
