Making a change

After we have accepted your application, you have 30 days to change your mind. If you cancel within this time we will refund any premiums paid.

Once you’ve received your Policy Schedule, you have 30 days to change your mind. After that period, you can still cancel your plan at any time by contacting us. If you cancel your plan after the cancellation period, or if you stop paying your premiums when due, your cover will end 60 days after the first missed premium and you won't get any money back.     

Yes, our Over 50s Fixed Life Insurance can be placed in Trust. This will help to ensure that the correct people receive the cash sum from your plan. Find out more about Trusts.

You may be able to reduce your monthly premium as long as you have held your plan for at least a year. If you reduce your premium your cash sum will also be reduced. Minimum premium applies.                 

While you can't increase your monthly premium, you can have more than one Over 50s Life Insurance plan with us, so long as the cash sum value for all your plans when added together is not greater than £10,000. If you have a plan taken out on or before 25 November 2017, please refer to your Policy Terms & Conditions for your total cash sum.

You cannot increase your amount of cover, but you can have more than one Over 50s Life Insurance plan with us, so long as the total cash sum value for all your plans when added together is not greater than £10,000. If you have a plan taken out on or before 25 November 2017, please refer to your Policy Terms & Conditions for your total cash sum.