At the West Brom, we feel that life cover shouldn't be a hassle. That’s why the Guaranteed Over 50 Plan makes it easy for you to leave a cash sum for your loved ones when you die. Something which can then be used as a cash gift or to help towards funeral costs. Premiums start from as little as £6 a month - that's just 20p a day! Provided you're aged 50-85 you're guaranteed to be accepted! And applying could not be easier.

To find out more about the Guaranteed Over 50 Plan, and to help you to decide whether this Plan is right for you, please read all the information, especially the Terms and Conditions including the Policy Summary and Key Facts about our Insurance Services, before getting a quote. You can apply online or you can call Sun Life Direct on 0800 904 7673 for instant guaranteed acceptance quoting reference 13564.

*As at 21st April 2011. **Most popular whole of life guaranteed acceptance plan bought directly. ABI statistics, Q1-Q4 2010.

Why choose the Guaranteed Over 50 Plan?

• Guaranteed acceptance with no medical – as long as you’re a UK resident aged 50-85 you’re guaranteed to be accepted, with no health questions.
• Fixed cash sum – as long as you keep paying your monthly premiums for life, a fixed cash sum is guaranteed on your death provided you’ve held the Plan for at least two years. If you were to die during the first two years, all the premiums paid will be returned, plus half as much again. But please bear in mind that as the cash sum is fixed, inflation will reduce its value over time.
• Affordable monthly premiums – from £6 a month, that’s just 20p a day. You can choose any premium from £6 to £74 a month, as long as the fixed cash sum is no more than £20,000. Depending on how long you live you could pay more in premiums than the cash sum paid out.
• Peace of mind – your premiums will never go up, and your cover will never go down. You just need to make sure you choose a premium you feel comfortable with, as if you stop paying for any reason your cover will end and you won’t get anything back.
• Triple travel accident death benefit – from day one if you were to die as a result of a travel accident, or die within 90 days of the accident from injuries sustained in it, three times the cash sum would be paid out to your estate.

Is this Plan right for you?

This website contains information on how the Guaranteed Over 50 Plan works. The website does not contain advice so you need to be satisfied this type of Plan meets your needs. If you need financial advice, please contact one of The West Brom’s financial planning managers at your local branch, or by calling 0845 33 00 647. They can only advise on a range of products and services made available through AXA Wealth Services Ltd. Please call Sun life Direct on 0800 904 7673 if you have any questions about this Plan.

How to get a quote and apply

To apply for a Guaranteed Over 50 Plan, just follow these simple steps:

• Make sure you’ve read all the information, especially the Terms and Conditions including the Policy Summary and Key Facts about our Insurance Services, and are happy that this Plan is right for you.
• Get your personal quote by clicking on the Quote and Apply button. You will be re-directed to the Sun Life Direct Quote and Apply pages and these will open in a new window.
• If you’re happy with your quote just follow the instructions to apply online. You will need to have your bank details to hand.

PLUS

• First month's premium free – you won't have to pay a penny in the first month as the first month’s premium is free!
• Welcome gift – As a thank you for taking out a Plan, you can choose from a selection of 5 welcome gifts†.

†Terms and Conditions apply.

Other ways to apply

Alternatively, to get a quote and apply over the phone, or if you’d like any further information, simply call Sun Life Direct’s helpline on 0800 904 7673 quoting reference 13564.

Lines are open Monday-Friday from 8.00am-6.00pm. As part of Sun Life Direct’s commitment to quality service, telephone calls will be recorded.

AXA Wealth Ltd is the provider of your policy and trades as Sun Life Direct. AXA Wealth Ltd is a company limited by shares and the registered office is at 5 Old Broad Street, London EC2N 1AD (registered in England, No. 01225468). AXA Wealth Ltd is authorised and regulated by the Financial Services Authority and is entered on the Financial Services Authority's register (registration No.119201).