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0333 014 6244

Guaranteed Life Assurance

Please note there are other variants of this policy available. If you have been referred to this policy by an intermediary, please ask them for more information. If you are enquiring about an existing policy, please see our existing customers page.

The policy offers life cover to anyone who is:

  • a resident in the UK; and
  • a non-smoker between the ages of 50-80 years old; or
  • a smoker between the ages of 50-75 years old.

Acceptance is guaranteed – 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.

It is a ‘whole of life’ policy which pays out a cash lump sum when you die providing you’ve had the policy for at least the qualifying period.

If you die following an accident during the qualifying period 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.

If you die within the qualifying period not following an accident, we will pay back 150% of the premiums you have paid to date.

We have a wide range of premiums and cover levels available.

  • Choice of monthly premiums – choose the monthly premiums you want to pay;
  • Choice of cash lump sum - depending on the amount you wish to leave behind and the monthly premiums you want to pay:
  • Guaranteed acceptance - 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;
  • Optional medical questions – 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.
  • Accidental death - 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;
  • Non-accidental death - 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;
  • Beneficiary options - you can nominate a beneficiary (or beneficiaries) to receive up to £5,000 upon death, or the policy can be placed in trust;
  • Excellent customer service - a sympathetic approach from our helpful staff;
  • Simple claims process - 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.

Important Information: 

  • Inflation will mean any payout will have less buying power in the future.
  • Depending on how long you live you could pay more in premiums than the value of the cash lump sum.
  • If you cancel your policy you will get nothing back.
  • This is not a funeral plan and does not guarantee to pay the full costs of your funeral. Instead, it pays out a cash lump sum that can be put towards it.

Next Steps

It’s quick and straightforward to receive a no obligation quotation
here and now, and to find out more about Guaranteed Life
Assurance Plan.

To find out more
Please contact our friendly Bristol
based team by:

Calling 0333 014 6244
We’re open from 8.00am to 6.00pm,
Monday to Friday excluding bank holidays.

Email us at:
info@nationalfriendly.co.uk

Or write to us at
National Friendly
11-12 Queen Square
Bristol
BS1 4NT

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Quote and apply

Get a quick personalised quote, find out more and apply for Guaranteed Life Assurance.

Quote and apply
This policy could help those who need a sum of money after your death. Leaving behind a lump sum could make a big difference to your loved ones by:

Helping pay towards your funeral costs

The average cost of a funeral in the UK has risen from £2,168 to £4,271 in the past twelve years – a rise of 97%.*

This is not a funeral plan and does not guarantee to pay the full costs of your funeral. Instead, it pays out a cash lump sum that can be put towards it. 

Helping to pay towards outstanding bills or credit cards

A survey carried out by comparethemarket.com in 2017 found that the average person in the UK owes £8,000 – on top of any mortgage debt.**

This plan does not guarantee to pay the full costs of any bills or debt. Instead, it pays out a cash lump sum that can be put towards them. 

Leaving a cash legacy

You can specify how much of the policy’s proceeds you would like to go to a specific person, e.g. family member(s), by using our form of nomination.

*Source: Sun Life Cost of Dying Report 2018
**Source: comparethemarket.com UK Debt Survey 2017