We are Secured

You can't lose with the Lifetime Payback Guarantee®

Your loved ones will never get back less than you pay in.

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The Lifetime Payback Guarantee®

Unlike other providers, the lump sum your loved ones receive will either be your benefit amount, or the total premiums you have paid, whichever is more. 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. We also provide Over 50s Life Insurance without the Lifetime Payback Guarantee®. This policy offers affordable and competitive premiums but comes with the risk that you may pay in more than we pay out.