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What are the benefits and risks?

Over 50s life insurance from just £1.15 per week2

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What is included in the Over 50s Life Insurance Promis?

Organising your Over 50s Life Insurance Promis is straightforward really. The first thing to do is choose a level of cover that best suits your needs – anything from £1,000 up to £20,000.

Cover amount from £1,000 to £20,000

Cover is available from £1,000 up to £20,000 per person. You can always change your level of cover at a later date, upwards or downwards, within the above limits, provided you are aged 50 to 79.

Any increase in cover will have a new Accidental Death Period applied to the additional incremental amount. Regardless of how many Promis Life guaranteed acceptance products you take out, the total cover amount for each life insured cannot exceed £20,000 (not including Inflation Fighter increases).

Cover your whole family

You can cover yourself and/or any family member between 50-79 years old for whom it is reasonable to assume you are likely to be responsible for their final expenses. And if your circumstances or requirements change, you can add new people or amend your level of cover at any time. What’s more, you will receive a 5% discount if you take cover for more than one person at the same time. Amount of discount correct as at 01/05/2020.

Flexible premiums

Cover can cost the equivalent of £1.15 a week, that’s less than 16p a day 2. We have two great premium options for you to choose from: Level Premium and Increasing Premium.

Level Premium

This may be a suitable option if you want to lock in your rate from the start. The premiums are a little higher than the Increasing Premium option at the start of your policy, but they are guaranteed NEVER TO INCREASE as you get older unless you choose to add the Inflation Fighter option.

Increasing Premiums

This allows you to start your policy at the lowest possible premium. Premiums are lower than the Level Premium option at outset but they will increase by 3% each year as you get older. We will provide you with details of the expected premiums for the life of the cover.

Premiums must be paid when due or your plan may be cancelled, and you will no longer be covered. Premiums are payable to age 90, after which cover continues but there is no more to pay. Premiums paid may be more than your cover amount depending on how long you live.

48 hour Claim Promis or an extra £250

When your family does need to make a claim, we’ll make sure they receive the funds as quickly as possible.

In fact, we guarantee that once all correctly completed documentation is back with us and we agree the claim is valid, the payment will be made within 48 hours (2 business days).

If for any reason this doesn’t happen, your loved ones will receive an extra £250 on top of the claim.

Will Kit at no extra cost Included with your policy

Sadly, far too many people die without leaving a Will which can lead to huge amounts of stress and problems for those they love. When you take out an Over 50s Life Insurance Promis we’ll send you a DIY Will Kit at no extra cost to ensure your last wishes are reflected. It’s just another way to express how much you love them, and best of all, it’s at no extra cost!

Guaranteed acceptance for UK residents aged 50 to 79

All UK residents aged 50 to 79 can be covered. There are no medical tests or health questions – acceptance is guaranteed.

Cover for the initial 12 or 24 months (it’s your choice) is for Accidental Death

During the Accidental Death Period you are only covered for Accidental Death. After the Accidental Death Period you are then covered for any cause of death including death by accident, illness or natural causes.

You have a choice of either a 12 month or 24 month Accidental Death Period. The 12 month Accidental Death Period costs a little more than 24 months because cover for any cause of death starts sooner.

30 day money back guarantee

We’re completely confident you’ll be comfortable with your Plan, but understand you’ll need time to read it carefully and may want to call us with any questions. You have 30 days after receiving your Plan documents to cancel your Plan (as long as you have not made a claim) and get a full refund of any premiums paid. If you cancel your plan you will no longer be covered.

If you cancel your Plan more than 30 days after receiving your documents, you will not be entitled to any refund of premiums.

To cancel your Plan call us on 0800 907 0798 or write to us at; FREEPOST CUSTOMER CARE PROMIS LIFE (no other address details needed and no stamp required).

Inflation Fighter

Over time, the cost of things rise due to inflation, and funerals are no different. That's why we offer an optional “Inflation Fighter” feature to help protect your cover amount against the rising cost of funerals.

If selected, Inflation Fighter increases your amount of cover by 3% each year. If you have chosen Level Premiums your premium will increase by 4.5% each year because you are getting more cover each year. If you choose Increasing Premiums and Inflation Fighter, your Premiums will go up by 7.5% each year. Please note the cover amount you choose, even with Inflation Fighter, might not meet the cost of a funeral in the future.

Double your cover amount paid for Accidental Death

Should you die in an accident, the shock would be enormous to those you leave behind. There’s no time to prepare emotionally, and financial pressures can be really hard to cope with. With the Over 50s Life Insurance Promis, if anyone covered by the Plan dies in an accident at any time, we’ll pay out double their amount of cover.

Important information

Premiums are payable until age 90 and may be more than your cover amount depending on how long you live. If you cancel your Plan after 30 days any premiums already paid will not be refunded. In the future your cover amount may not be enough as funeral costs increase due to inflation.

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What makes Promis Life different?

Promis Life know better than most how complex life insurance can be. We’re mums, dads, brothers and sisters, like you. That’s why we prefer to keep things simple.

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