Guaranteed Life Assurance Plan

Choose our Guaranteed Life cover so you can relax, knowing your loved ones will receive a lump sum payment if you were to pass away.  

Affordable premiums

Help your family towards funeral costs or debts.

Simple application process

Cover can be in place quickly.

From £xx /month

Affordable premiums
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Guaranteed Life Assurance Plan

Choose our Guaranteed Life cover so you can relax, knowing your loved ones will receive a lump sum payment if you were to pass away.

Affordable premiums

Help your family towards funeral costs or debts.

Simple application process

Cover can be in place quickly.

From £xx /month

Affordable premiums.
Buy online
Contact me
Buy online
Contact me
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Product Details

This Policy is introduced to you by the Introducer and issued by Stubben Edge (Risk) Limited (company number 09073942) which is authorised and regulated by the Financial Conduct Authority (‘FCA’) reference number 943286. The Policy is underwritten by National Friendly which is a trading name of National Deposit Friendly Society Limited, which is incorporated in England and Wales no: 369F and whose registered office is at 11-12 Queen Square, Bristol BS1 4NT.  

Leaving behind a guaranteed lump sum could make a big difference to your loved ones. It could go towards covering the cost of the funeral, paying other outstanding debts, or you could leave a cash gift. 


What you need to know

We won’t hide this in the T&Cs – we want to make sure you know exactly what you’re covered for, and any important exclusions that apply to your policy.


For more details, here are some key documents:

Policy Conditions

Policy Summary

Target Market Information

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Insurer:

National Friendly

Residency Requirements:

UK Only

Policy Term:

For the remainder of your life provided you continue to pay your premiums when they are due 

Age:

Between 50-80 if you are a non-smoker, or 

Between 50-75 if you are a smoker

Policy Target Market Suitability:

This product may be suitable for you if you: 

Want a simple product with a guaranteed pay-out on your death 

Do not want to answer lots of medical questions 

Want the certainty of fixed premiums 

Want a simple application process that will put cover in place quickly 

Policy Likely Unsuitable for:

This product may be unsuitable for you if you: 

Cannot afford to maintain the premium payments 

Require the certainty of your funeral costs being paid for 

Require a sum that increases with inflation 

Would prefer to answer more detailed medical questions on a fully underwritten policy to try to get better value from the combination of premium cost and sum paid out 

Want to change the premium or cover on your policy once it has started 

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Insurer:

National Friendly

Residency Requirements:

UK Only

Policy Term:

For the remainder of your life provided you continue to pay your premiums when they are due 

Age:

Between 50-80 if you are a non-smoker, or 

Between 50-75 if you are a smoker

Policy Target Market Suitability:

This product may be suitable for you if you: 

Want a simple product with a guaranteed pay-out on your death 

Do not want to answer lots of medical questions 

Want the certainty of fixed premiums 

Want a simple application process that will put cover in place quickly 

Policy Likely Unsuitable for:

This product may be unsuitable for you if you: 

Cannot afford to maintain the premium payments 

Require the certainty of your funeral costs being paid for 

Require a sum that increases with inflation 

Would prefer to answer more detailed medical questions on a fully underwritten policy to try to get better value from the combination of premium cost and sum paid out 

Want to change the premium or cover on your policy once it has started 

Policy Benefits:

Guaranteed sum paid out upon accidental death at any time after taking out the policy or 

Upon non-accidental death after a qualifying period of six months or two years depending on medical underwriting 

Become a member of National Friendly and access member benefits including legal advice from the Co-Op and funeral plan discounts through the Co-Op 

Policy Exclusions:

The following are not considered causes of accidental death: 

Suicide or intentional self-harm 

Alcohol or drug misuse 

Death as a result of participating in flying where you are not a fare-paying passenger, parachuting, skydiving, hang-gliding, motor sport, powerboat racing, diving, mountaineering or the armed forces  

Policy Benefits:

Guaranteed sum paid out upon accidental death at any time after taking out the policy or 

Upon non-accidental death after a qualifying period of six months or two years depending on medical underwriting 

Become a member of National Friendly and access member benefits including legal advice from the Co-Op and funeral plan discounts through the Co-Op 

Policy Exclusions:

The following are not considered causes of accidental death: 

Suicide or intentional self-harm 

Alcohol or drug misuse 

Death as a result of participating in flying where you are not a fare-paying passenger, parachuting, skydiving, hang-gliding, motor sport, powerboat racing, diving, mountaineering or the armed forces  

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