Guaranteed Life Insurance

What is Sorted Guaranteed Life Insurance?

If you live in the UK and are aged 30 to 79, Sorted Guaranteed no medical Life Insurance can give you peace of mind, and your family a helping hand if you're no longer around. Choose a cash sum of £2,000 to £15,000 depending on your age, which can help your family pay for your funeral costs. Perhaps you could even leave a little for the grandkids.

You’re guaranteed to be accepted without any questions about your health, your lifestyle or any medical conditions that you have. You’ll be covered immediately for accidental death and just 12 months later, you’ll be fully covered for death by any cause. And you'll be covered 24/7 anywhere in the world. It's good to know you've got it Sorted!

Go on, get it Sorted, receive a guaranteed life insurance quote today.

Benefits

  • Cash sum from £2,000 to £15,000 depending on your age
  • Cover just £6.26 a month in the first year for £2,000 of benefit amount*
  • For people who live in the UK aged 30-79
  • Guaranteed acceptance – no health questions, blood tests or GP visits
  • Immediate cover for accidental death
  • After 12 months you are covered for death by any cause
  • Get 3 times your chosen cash sum if you suffer an accidental death – up to £45,000
  • Flexible Policy you can change whenever you want

Things to think about

  • There is no cash-in value at any time
  • Inflation may reduce the value of your cash sum
  • Depending on how long you live, you may pay more than you get back

*For a 54 year old, on an individual age-based policy. Premiums increase annually based on age and benefit amount. Ts and Cs apply.

Sorted Guaranteed Life Insurance could mean peace of mind for you and a helping hand for your loved ones.

You can leave a cash sum from £2,000 to £15,000 (depending on your age) to help them cope with funeral costs and any final expenses. You could even leave a little something for the grandkids.

Check the maximum amount you can choose below:

Sorted GLife graph

Choose between a Single or Family Policy and, if you’re aged up to 69, you can add Accidental Serious Injury cover to your Policy.

We know that people have different needs, which is why we offer two flexible Policy types to choose from; age based or level premium. Both types can be kept for the rest of your life (known as 'whole of life') and you'll be able to make changes if your circumstances change.

 

Age based - how does it work?

With an age based Policy, the premium is based on the age of the eldest life insured. That could be you, or if you take out a Family Plan, it could be your partner. The premium is recalculated each year at your Policy anniversary; gradually increasing in line with the eldest person getting older. Once that person reaches age 80, there won’t be any more age based increases to the premium. After the eldest person insured reaches 90, you won’t pay any more but you’ll still be covered! With an age based Policy, your monthly premium will start lower compared to its equivalent on a level Policy type, so this might appeal to you if you’re on a tight budget during the early years of holding the Policy.

Automatic cash sum increases: the age based Policy features a 5% automatic annual increase to your chosen cash sum for your Guaranteed Life Insurance and any optional cover you have. It’s added automatically to your Policy each year, for 10 consecutive years or until the eldest person insured reaches age 74, whichever is sooner.

Example: If you have chosen a £2,000 cash sum, the next year you’ll be covered for £2,100. At the end of 10 years, as long as you don’t opt out of the increase, your cash sum would be £3,000.

If you’re planning to leave your cash sum to pay for funeral expenses, this gradual increase in your cover could help protect from the effects of funeral cost inflation. If you want to opt out of the automatic increase, just let us know. You can still opt back into it during the first 10 years; whatever suits you best.

 

Level - how does it work?

The level Policy may appeal if you want certainty, knowing that your monthly premium won’t be affected by your increasing age – it will stay the same each year unless you ask us to make changes to your Policy. You’ll be covered for the whole of your life and after the eldest person insured reaches age 90, you won’t have to pay anymore, but you’ll still be covered.

The 5% automatic cash sum increase is not available on a level Policy, so your chosen cash sum will stay the same. With the level premium option, it’s important to note that the value of your chosen cash sum might not keep up with inflation.

For even greater peace of mind, you can add Accidental Serious Injury cover to your Sorted Guaranteed Life Insurance Policy for an additional premium.

Accidental Serious Injury cover

Accidental Serious Injury cover provides an extra cash sum benefit if you were to suffer one of the following serious injuries as a direct result of an accident; blindness, deafness or total and permanent loss of use of two limbs.

The cash sum for this cover is 3 times your chosen Sorted Guaranteed Life Insurance Policy cash sum (so if your chosen cash sum is £15,000, your Accidental Serious Injury cover would be £45,000).

  • You must be aged 30-69 if on an Aged Based Policy or 50-69 if on a Level Policy
  • Accidental Serious Injury cover will end after the eldest life insured reaches 74

Our optional cover can only be taken as part of the Sorted Guaranteed Life Insurance policy and not individually.

 

Download the Sorted Guaranteed Life Insurance Key Facts and Terms & Conditions document for more information on inclusions and limitations to the optional cover above.

Sorted Will Pack

Receive a Will Pack with your Policy

When you take out a Sorted Insurance Policy, you will automatically receive a Will Pack from us for added peace of mind.

A will is a legal document that transfers assets following a death. It is essential if you want to make sure that your assets/estate, including your life insurance is handled as you wish and given to the right people.

Why is a will essential?

  • Acts as a legal document
  • Distribution of personal effects – including sentimental/intrinsic value items. Sometimes even close families find it difficult to share items such as heirlooms, antiques or jewellery
  • Distribution of property - including estate and finance
  • Appointing personal representatives – to administer your will and ensure your wishes are fulfilled
  • Appointing guardians for minor children – whether the estate is big or small you will want to ensure that if both parents pass away, your minor children will be looked after by someone you have personally selected
  • Providing information of your wishes upon death – whether you want to be cremated or buried for example.

Please note that if your financial or family situation is complicated, you should run your will past a legal or tax professional to ensure that you have filled in correctly

A few other things to consider before and after filling in your will:

  • Store your will in a safe place where it can easily be accessed upon your death
  • Must be competent and not under the influence when filling in
  • If you need to make changes to your will at a later date, you must sign it, have a witness present to sign and attach to original will. If the changes are major, you must start a new will
  • Update every three to four years to include any changed circumstances such as new births or new appointed guardians

Sorted Guaranteed Life Insurance Key Facts front cover

The Sorted Guaranteed Life Insurance Key Facts and Terms & Conditions document has important information about the Guaranteed Life Insurance and the optional cover that you can add to your Policy. It includes features, benefits, exclusions and limitations.

It’s very important that you read the Sorted Guaranteed Life Insurance Key Facts and Terms & Conditions document so that you have all the information you need to make an informed decision.

 

 

Things to think about

  • There is no cash-in value at any time
  • Inflation may reduce the value of your cash sum
  • Depending on how long you live, you may pay more than you get back

Sorted Guaranteed Life Insurance is a product which guarantees cover to you with no medical or similar questions. It pays a lump sum from £2,000 to £15,000 (depending on your age) in the event of your death. This can help ease the financial burden of your funeral and other final expenses for your family and loved ones when you pass away.

Nobody wants to think about getting older but when a loved one dies, there’s already so much to think about – the funeral, the family, the paperwork, lots of things that suddenly have to be dealt with. The last thing you want is for your family to be worrying about how they’ll cope with funeral costs and any other final expenses.

Knowing that there’s a little extra money coming to them when you pass away could help take the strain off them at an emotional time and that could be a weight off your mind too. Or, you could think of it as a financial gift to your kids or grandkids, after you’ve gone.

With Sorted Guaranteed Life Insurance, you are covered immediately for accidental death, and we’ll pay 3 times your chosen cash sum if this happens (up to £45,000). After just 12 months, you’re fully covered for death by any cause.

During the first 12 months of the Policy, the cash sum will only be paid if you die as a result of an accident.

For more details about exclusions, please read the Sorted Guaranteed Life Insurance Key Facts and Terms & Conditions document.

If you are a UK resident and are aged 30 to 79, you’ll be guaranteed to be accepted. You can choose a cash sum benefit between £2,000 and £15,000 depending on the age of the eldest life insured when you take out the Policy.

With Sorted Guaranteed Life Insurance, you are GUARANTEED to be accepted as long as you are aged 30 to 79 and living in the UK – there are no health questions, blood tests or GP visits.

Sorted Guaranteed Life Insurance can be a Single Policy covering one life, or you can choose a Family Policy that can include your partner and any children financially dependent until they reach age 21, as long as they are UK residents. There is no limit to the number of dependent children that can be covered.

The minimum cash sum benefit with a Sorted Guaranteed Life Insurance Policy is £2,000 up to the maximums shown below:

Sorted GLife graph

 Guaranteed Policy graph

Under a Family Plan, all lives insured are covered for the same cash sum.

If you die as a result of an accident, an amount equal to 3 times the cash sum you selected will be paid. 

The Guaranteed Life Insurance quote which Sorted Insurance gives you will depend on:

  • the cash sum you choose
  • whether or not you include optional Accidental Serious Injury cover
  • whether you select a Single or Family plan
  • the Policy type you choose
  • the age of the eldest life insured on the Policy

For even greater peace of mind, you can add Accidental Serious Injury cover to your Sorted Guaranteed Life Insurance Policy for an additional premium.

Accidental Serious Injury cover provides a cash sum if you were to suffer one of the following serious injuries as a direct result of an accident; blindness, deafness or total and permanent loss of use of two limbs. The cash sum for this cover is equivalent to 3 times your chosen Sorted Guaranteed Life Insurance Policy cash sum (so if your chosen cash sum is £15,000, your Accidental Serious Injury cover would be £45,000).

With an age based Policy, the premium is based on the age of the eldest life insured. That could be you, or if you take out a Family Plan, it could be your partner. The premium is recalculated each year at your Policy anniversary; gradually increasing in line with the eldest person getting older. Once that person reaches age 80, there won’t be any more age based increases to the premium. After the eldest person insured reaches 90, you won’t pay any more but you’ll still be covered! With an age based Policy, your monthly premium will start lower compared to its equivalent on a level Policy type, so this might appeal to you if you’re on a tight budget during the early years of holding the Policy.

The age based Policy features a 5% automatic annual increase to your chosen cash sum for your Life Insurance and any optional covers you have. It’s added automatically to your Policy each year, for 10 consecutive years or until the eldest person insured reaches age 74, whichever is sooner. 

If you’re planning to leave your cash sum to pay for funeral expenses, this gradual increase in your cover could help protect from the effects of funeral cost inflation. If you want to opt out of the automatic increase, just let us know. You can still opt back into it during the first 10 years; whatever suits you best.

The level Policy may appeal if you want certainty, knowing that your monthly premium won’t be affected by your increasing age – it will stay the same each year unless you ask us to make changes to your Policy. You’ll be covered for the whole of your life and after the eldest person insured reaches age 90, you won’t have to pay anymore, but you’ll still be covered.

The 5% automatic cash sum increase is not available on a level Policy, so your chosen cash sum will stay the same. With the level premium option, it’s important to note that the value of your chosen cash sum might not keep up with inflation.

The age based Policy features a 5% automatic annual increase to your chosen cash sum for your Guaranteed Life Insurance and any optional cover you have. It’s added automatically to your Policy each year, for 10 consecutive years or until the eldest person insured reaches age 74, whichever is sooner.

Example: If you have chosen a £2,000 cash sum, the next year you’ll be covered for £2,100. At the end of 10 years, as long as you don’t opt out of the increase, your cash sum would be £3,000.

If you’re planning to leave your cash sum to pay for funeral expenses, this gradual increase in your cover could help protect from the effects of funeral cost inflation. If you want to opt out of the automatic increase, just let us know. You can still opt back into it during the first 10 years; whatever suits you best.

The 5% automatic cash sum increase is not available on a level Policy, so your chosen cash sum will stay the same. With the level premium option, it’s important to note that the value of your chosen cash sum might not keep up with inflation.

Yes, if you choose an age based Sorted Guaranteed Life Insurance Policy, and you choose to add Accidental Serious Injury cover to your Policy, then the cash sum for this optional cover will also increase by 5%.

We know that everyone has different needs, so we offer two Policy types – two different ways of getting Sorted Guaranteed Life Insurance. Both Policy types are flexible. Whether you choose an age based or level Policy, you’ll be able to make changes at any time, as your circumstances change. And you can keep either of the Policy types for the rest of your life (‘whole of life’).

One advantage of an age based Policy is the lower initial premium. So if you have a tight budget, an age based Policy may be right for you, but you will need to consider that as you grow older, you will pay a higher premium each year. An age based Policy can be a good way to keep the premiums low in the early years. It also comes with an automatic 5% cash sum increase which can be a good way of increasing your cash sum gradually over time to help protect against the effects of inflation, e.g. funeral costs.

In contrast, a level Policy may appeal if you want the certainty of a fixed monthly premium that won’t go up. With fixed premiums, you will know how much you are going to pay in the future and you won’t need to worry about it going up, unless you decide to make changes to your Policy.

For both Policy types, it is important to note that depending on how long you live, it is possible that you (or whoever pays the premiums) may pay in more than the cash sum.

YES - Our age based and level Policies both allow you to increase or decrease your cash sum at a later date, at which point your new monthly premium will be calculated for you.

 

Accidental death means death which occurs as a direct result of an accident, and where death occurs within 90 days of the accident.

Accident means an event resulting in bodily injury occurring whilst the Policy is in force, where the injury is directly and solely caused by accidental, violent and external means and where the injury is not self-inflicted.

Whether you choose Sorted Guaranteed Life Insurance with an age based or a level Policy, you can keep it for the rest of your life (‘whole of life’) as long as you’re paying your monthly premium. What’s more, when the oldest person insured on your Policy reaches age 90, all premiums are waived and no further payments are required, but you’ll still be covered.

With Sorted Guaranteed Life Insurance, you’re covered immediately for accidental death, and after just 12 months, you’re fully covered for death by any cause.

There are 3 ways for your family to make a claim in the event of your death:

  • Call us FREE on 0800 093 2854
  • E-mail us at service@Sortedinsurance.co.uk
  • Write to us at: Customer Services, Sorted Insurance, PO Box 4555, Slough, SL1 0TT

We will send out a claim form to be completed, signed and returned to us.

Note: If the claim is accepted, the insurer will pay the cash sum to the person who is legally entitled to it and they will refund any premiums paid between the date of death or confirmation of terminal illness, and the date the claim is paid.

Yes - you're covered immediately for accidental death anywhere in the world, 24/7, and after 12 months, you’ll be covered for death by any cause wherever you are!

You have 30 days from the receipt of your Policy documents, during which time you can cancel your Policy by writing to us or giving us a call. You can still cancel your Policy after 30 days, but you will not get anything back.

You can put your Sorted Guaranteed Life Insurance policy into trust after you take out the policy. If you are thinking about putting your policy into trust, download a Trust form or you can seek independent legal advice. We are unable to give you any advice or recommendation on the suitability of Trusts.

When you take out a Sorted Guaranteed Life Insurance Policy, you will automatically receive a Will Pack from us. A will is a legal document that contains your instructions on how you want your property (including assets such as your home, car, cash, etc.) to be distributed after you have died.

Please see the Will Pack tab on this page for more information.

Life is unpredictable and we never know what lies around the corner. The reality is that accidents and illnesses can strike at any age, with devastating consequences. 

Sorted Guaranteed Life Insurance can mean peace of mind for you and a helping hand for your loved ones. Once you have your Policy in place, you can keep it for life, and we guarantee to renew your Policy, providing you continue to pay your premiums when due.

The Sorted Guaranteed Life Insurance product is provided by Scottish Friendly Assurance Society Limited, one of Scotland’s longest standing Life Insurers, who have over 150 years of experience, so you can be sure your Policy is in the right hands.

Dave and deb 2

"We wanted to make sure we’re prepared for funeral costs and other bills"

Read more >