Frequently Asked Questions

This is a whole of life protection policy.

This valuable cover protects you for the rest of your life provided you keep up with your monthly premiums, and guarantees to pay a lump sum when you die. You choose the amount based on what you can comfortably afford, and your loved ones can choose how to use this lump sum.

As you’d expect, there are some simple conditions: while we’ve included immediate accidental death cover, to qualify for the full benefit in the event of non-accidental death you must have made at least 24 monthly premiums and continue to pay premiums until you reach the anniversary of your policy after your 90th birthday, pass away or we write to tell you that you can stop paying premiums (whichever is sooner).

What you pay will depend on 3 things: your age, the lump sum chosen and whether you are a smoker or not. For example here is a table showing the monthly premiums for £5,000 cover, based on whether you are a smoker or non-smoker,

Please call us on 0808 501 7077 for a personalised quote based on your personal circumstances.

NO. The Pure Life Over 50s Insurance premiums are completely fixed and won’t change over the term of the policy.

Please be aware that the policy value is fixed and is not inflation-protected. Inflation may, over time, reduce the value of the policy cash benefits. This means it may be worth less in real terms, when you die.

Your loved ones should call Scottish Friendly on 0333 323 5433 or email [email protected] to notify them. A simple form will be sent to your loved ones so they can complete and return it along with the supporting documentation that will be needed. Once approved, the qualifying lump sum will be paid, and because it’s the right thing to do any premiums received between the date of your death and the date the claim was accepted will be refunded.