Guaranteed Life Assurance

Choose the monthly premiums you want to pay.

Depending on the amount you wish to leave behind and the monthly premiums you want to pay.

If you are a UK resident and either a non-smoker aged between 50-80 years old or a smoker aged between 50-75 years old, you are guaranteed to be accepted.

You can proceed without answering any medical questions for a standard premium, sum assured and a two-year qualifying period. You also have the option to answer two medical questions to see if you qualify for a discounted premium/increased sum assured and a six-month qualifying period.

If you die following an accident during the first two years of your policy and death is within 90 days of the accident as a result of your injuries, we will pay out the cash lump sum. Please see the Policy Summary for full details.

We will pay a cash lump sum on your death once you’ve had the policy for at least two years. If you die within the first two years other than the result of an accident, we will pay back 150% of the premiums you have paid to date.

You can nominate a beneficiary (or beneficiaries) to receive up to £5,000 upon death, or the policy can be placed in trust.

A sympathetic approach from our helpful staff.

Your claimant will complete and return a form to us together with any additional information we need. Once approved, we will pay the cash lump sum without further ado.