Prices from a month. For a 50yr old with 2,000 cover. Peace of mind for you and your loved ones. Over 50s life insurance information pack

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1 Peace of mind for you and your loved ones Over 50s life insurance information pack Prices from 5.80 a month For a 50yr old with 2,000 cover

2 Introducing British Seniors At British Seniors we know your loved ones come first. Our over 50s life insurance policies offer you peace of mind knowing you ve protected your loved ones financially when the time comes for them to pay for your funeral or any other final expenses. Plus, if you choose our exclusive Over 50s Life Insurance with the Lifetime Payback Guarantee policy, you can buy with the confidence of knowing that your family will never receive less than you ve paid in. Our products are provided by Scottish Friendly Assurance Society Ltd, one of Scotland s longest standing life insurers of over 150 years. Call our award-winning UK-based call centre on and protect your family today If you are a UK resident aged 50 to 80, you are guaranteed to be accepted. 2. Scottish Friendly were established in

3 Choose the right over 50s life insurance policy for you... 4 What does this policy offer? Will I be accepted? What are the benefit amounts? When does cover start? How long can I keep the policy? Over 50s Life Insurance This is a traditional and straightforward over 50s life insurance, it s easy to set up and comes with competitive premiums. It can give you peace of mind, by providing your family with a helping hand, when the worst happens to you and they need it most. Taking out Over 50s Life Insurance helps your family with your funeral costs; final expenses such as outstanding bills, loans or credit cards; or even leave them a financial gift. It s sensible to enable your family to go on living just as you d want them to without worrying about day-to-day expenses. You are guaranteed to be accepted if you are a UK resident aged 50 to 80 and we won t ask you any questions about your health. From 2,000 up to 20,000 depending on your age. Immediate cover for accidental, plus by any cause after just. Over 50s Life Insurance with Lifetime Payback Guarantee This policy offers everything you get with our Over 50s Life Insurance policy plus, for a little bit extra each month, you will have the added protection of the Lifetime Payback Guarantee. This means your loved ones will get back at least every penny you have paid in. They will receive your cover amount or the total premiums you have paid whichever is more you can t lose. We are the only life insurance provider in the UK to offer the Lifetime Payback Guarantee. Give yourself some peace of mind, by protecting your family today. You are guaranteed to be accepted if you are a UK resident aged 50 to 80 and we won t ask you any questions about your health. From 2,000 up to 20,000 depending on your age. Immediate cover for accidental, plus by any cause after just. Keep your policy for life, plus FREE cover after age 95. Keep your policy for life, plus FREE cover after age 95. Can I add my partner? Single or joint policy options are available. Single or joint policy options are available. See page 6 See page 10 FREE WILL KIT worth 150 * with every policy purchased * Source: The Money Advice Service For more reasons to choose British Seniors turn to page 14 Things to think about There is no cash-in value at any time Ensure you choose enough benefit amount, as inflation may reduce its buying power over time You may pay in more than we pay out, unless you have chosen Over 50s Life Insurance with Lifetime Payback Guarantee The protection of the Lifetime Payback Guarantee applies if you continue your policy for life and will only reduce in value if you reduce your benefit amount 5

4 Over 50s Life Insurance Our customers love our great customer service! Why life insurance is so important You want the best for your loved ones, and to make things as easy as possible for them when you die. By taking out our traditional and straightforward Over 50s Life Insurance, you could help towards your funeral costs; final expenses such as outstanding bills, loans or credit cards; or even leave them a cash gift. The average price of a funeral is around 4,000*, plus if you add cars, flowers, food, service sheets, catering, newspapers notices etc., the final bill can be much more. Then there are legal fees, loans or hire purchase costs. It all adds up and can prove very time consuming and highly stressful. Plus, it s never easy to get that sort of money at short notice. Now is the perfect time to tick life insurance off your to do list and start protecting your family s future. Relax and enjoy life, knowing you re in control and you ve done the right thing by providing for your loved ones. No health questions and easy sign-up British Seniors offers life insurance designed with you in mind: it s quick and easy to set up; there s no medical and no questions about your health; and you re guaranteed to be accepted as long as you re a UK resident aged 50 to 80. Fast payout We re able to approve payment within days of receiving a claim, so you can have peace of mind knowing that we ll be there when your loved ones need us. Look how much we offer you Guaranteed acceptance for UK residents aged 50 to 80 No medical or health questions Choose your benefit amount from 2,000 up to 20,000 depending on your age 3 times your benefit amount up to 60,000 if is due to an accident Immediate cover for accidental and cover for by any cause after just Premiums returned if you die from non-accidental causes in the first Flexible policy apply to make changes for free Guaranteed no increases fixed monthly premiums let you plan for the future knowing the cost will never increase Get a quote FREE cover after age 95 from the policy anniversary following your 95th birthday premiums are no longer payable and your cover continues for life Add a partner you can each apply for individual benefit amounts Feefo 2017 Gold Trusted Service from our UK-based call centre FREE Will Kit worth 150** with every policy to help get your affairs in order Worldwide cover you are covered anywhere in the world Things to think about There is no cash-in value at any time Ensure you choose enough benefit amount, as inflation may reduce its buying power over time Depending on how long you live, you may pay in more than we pay out * The Grave Reality of Dying Report, British Seniors, **Source: The Money Advice Service. 6 BritishSeniors.co.uk Call to buy FREE

5 Over 50s Life Insurance The agent was very friendly, professional and knowledgeable. Fixed monthly premiums With British Seniors Over 50s Life Insurance monthly premiums are fixed. Fixed monthly premiums give you the certainty of knowing that your increasing age will not affect the amount you pay. Plus, you ll get FREE cover from the policy anniversary following your 95th birthday and your cover continues for life. Cover for you and your partner You can take out a single policy on your own life, or you can choose a joint policy to include your partner. Our joint policy allows you to choose different benefit amounts for you and your partner to suit your needs. This means that both benefit amounts could be paid out to your loved ones. Keep your policy for life You can keep your policy for the whole of your life and you ll be covered anywhere in the world. If your health or lifestyle changes, your cover will not be affected. Benefit amount You can choose a benefit amount that suits your needs and budget, from 2,000 up to 20,000. Depending on your age the maximum benefit amount you can select is: Age at start date Maximum benefit amount , , , , , ,000 What we will pay When you pass away, we will provide a payout to your loved ones as shown below: When Event Amount we will pay Within the first After the first Get a quote Accidental Non-accidental Accidental Non-accidental 3 times your benefit amount, up to 60,000 The total of all premiums paid towards your cover 3 times your benefit amount, up to 60,000 The benefit amount, up to 20,000 8 BritishSeniors.co.uk Call to buy FREE

6 Over 50s Life Insurance with Lifetime Payback Guarantee Why life insurance is so important You want the best for your loved ones, and to make things as easy as possible for them when you die. By taking out Over 50s Life Insurance with the Lifetime Payback Guarantee you could help towards your funeral costs; final expenses such as outstanding bills, loans or credit cards; or even leave them a cash gift after all, you wouldn t want your loved ones to have added financial worry at a difficult and emotional time. The exclusive Lifetime Payback Guarantee We are the only life insurance provider in the UK to offer the Lifetime Payback Guarantee. This gives you peace of mind, knowing that, the benefit your loved ones receive will always be your cover amount or the total premiums you have paid whichever is more you can t lose. No health questions and easy sign-up British Seniors offers life insurance designed with you in mind: it s quick and easy to set up; there s no medical and no questions about your health; and you re guaranteed to be accepted as long as you re a UK resident aged 50 to 80. Fast payout We re able to approve payment within days of receiving a claim, so you can have peace of mind knowing that we ll be there when your loved ones need us. Look how much we offer you Guaranteed acceptance for UK residents aged 50 to 80 The Lifetime Payback Guarantee with this exclusive benefit, you ll never pay in more than your loved ones receive No medical or health questions Choose your benefit amount from 2,000 up to 20,000 depending on your age 3 times your benefit amount up to 60,000 if is due to an accident Immediate cover for accidental and cover for by any cause after just Premiums returned if you die from non-accidental causes in the first Flexible policy apply to make changes for free Guaranteed no increases fixed monthly premiums let you plan for the future knowing the cost will never increase Add a partner you can each apply for individual benefit amounts Don t forget, you can t lose with the Lifetime Payback Guarantee! FREE cover after age 95 from the policy anniversary following your 95th birthday premiums are no longer payable and your cover continues for life Feefo 2017 Gold Trusted Service from our UK-based call centre FREE Will Kit worth 150* with every policy to help get your affairs in order Worldwide cover you are covered anywhere in the world Things to think about There is no cash-in value at any time Ensure you choose enough benefit amount, as inflation may reduce its buying power over time The protection of the Lifetime Payback Guarantee applies if you continue your policy for life and will only reduce in value if you reduce your benefit amount *Source: The Money Advice Service. 10 BritishSeniors.co.uk Call to buy FREE

7 More about the exclusive Lifetime Payback Guarantee We are the only life insurance provider in the UK to offer this guarantee! What you get with the Lifetime Payback Guarantee British Seniors are the only life insurance provider in the UK to offer the Lifetime Payback Guarantee. When you choose Over 50s Life Insurance with the Lifetime Payback Guarantee you ll have everything you get with our Over 50s Life Insurance. Plus, you ll have the reassurance of knowing that, when a claim is made, your loved ones will get back at least every penny you have paid in over your lifetime. You can t lose. Leave your family every penny you ve paid in We would all like to live a long and happy life, and the longer you live, the more you ll pay into your life insurance policy. This means you can pay in more than your policy will pay out. With the Lifetime Payback Guarantee, you ll have the peace of mind of knowing that, the benefit your loved ones receive will always be your cover amount or the total premiums you have paid whichever is more. That s the Lifetime Payback Guarantee. Here s how the Lifetime Payback Guarantee works This example shows you just how much extra you could give your family with the Lifetime Payback Guarantee : John*, aged 55, has a benefit amount of 10,000 His monthly premium is If John passes away aged 87, he will have paid more in premiums than his benefit amount. So, his loved ones would receive 15,747.84, instead of the original benefit amount of 10,000 *John is a fictional character used for product explanation purposes only. Pricing is accurate at time of print and based on John s age and benefit amount, and Lifetime Payback Guarantee amount based on 32 years premiums paid. See how we compare against our competitors Does the policy offer the Lifetime Payback Guarantee? Can you apply to increase or decrease your monthly premium as often as you like? Are you covered for 3x your benefit amount for accidental? Can you add a partner to your policy? What we will pay When you pass away, we will provide a payout to your loved ones as shown below: When Event Amount we will pay Within the first After the first Get a quote Accidental Non-accidental Accidental Non-accidental 3 times your benefit amount, up to 60,000 The total of all premiums paid towards your cover 3 times your benefit amount, up to 60,000 or the Lifetime Payback Guarantee amount, whichever is more Up to 20,000 or the Lifetime Payback Guarantee amount, whichever is more The Lifetime Payback Guarantee amount is the total of all premiums paid towards a life insured s policy. Comparison information collected in September BritishSeniors.co.uk Call to buy FREE

8 10 Reasons why our customers choose us... 1 Feefo 2017 Gold Trusted Service from our UK-based call centre Call our friendly and experienced agents on We are open 9am 8pm Mon to Fri and 9am 5pm on Sat. 7 FREE cover after age 95 From the policy anniversary following your 95th birthday premiums are no longer payable and your cover continues for life. 2 No medicals We make it easy no medical or health questions and there are no complicated forms to fill in. 8 Immediate cover for accidental You re immediately covered for accidental, plus by any cause after. 3 Add a partner You can choose a joint policy to include your partner. When you apply with your partner you can each apply for individual benefit amounts. + 9 FREE Will Kit worth 150* With every policy purchased we will send you a FREE Will Kit. Sorting your Will out is important and it will be one less thing to worry about. 4 Flexibility without the fees Because your circumstances can change, unlike some other life insurers, with us you can apply to increase or decrease your monthly premium amount for free. 10 Worldwide cover You re covered anywhere in the world Security for over 150 years British Seniors products are provided by Scottish Friendly Assurance Society Limited, one of Scotland s longest standing Life Insurers of over 150 years. Guaranteed acceptance As long as you re a UK resident, aged 50 to 80, you are guaranteed to be accepted. *Source: The Money Advice Service. Here s what our customers say... British Seniors spent time explaining the policy, and were very polite and patient. Impressed with the service and policy will recommend. Catherine, British Seniors customer, August 2017 Quick and easy to set up. Everything was explained and seems to do what I want it to do at a price that suits me. Mary, British Seniors customer, August 2017 Everything was done within minutes. Fast and effective. Highly recommended service. Chris, British Seniors customer, August 2017 Friendly and very informative, not at all pushy, a pleasure to do business with. Jill, British Seniors customer, June BritishSeniors.co.uk Call to buy FREE

9 Lines are open 9am to 8pm Monday to Friday and 9am to 5pm on Saturdays (excluding Bank Holidays). Calls may be recorded and monitored for training and quality purposes. Customers with Disabilities This document and other associated documentation are also available in other formats. If you require an alternative format, please contact British Seniors Insurance Agency. Terms and conditions apply, full details on Premium and benefit amount depend on individual circumstances. British Seniors Insurance Agency is a trading name of Neilson Financial Services Limited who is authorised and regulated by the Financial Conduct Authority and entered on the Financial Services register under reference Neilson Financial Services Limited. Registered in England and Wales. Number Registered Office: Landmark Place, Windsor Road, Slough, Berkshire SL1 1JL. All products are arranged by British Seniors Insurance Agency and issued, underwritten and administered by Scottish Friendly Assurance Society Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under reference , with permission to effect and carry out contracts of insurance. BSIA SBR13 10/17