Important Information

• The plan has no cash-in value at any time.
• To apply you need to be a permanent UK resident aged 50-80.
• Clicking ‘Get a quote’ on this page will take you to a website managed by LV=, the provider of the Life Insurance Product.
• Once your plan starts, the amount of cover doesn't change. This means it won't keep up with inflation, and will buy less in the future.
• You should review your cover regularly to make sure it’s enough to offset any rise in the cost of living.
• If you stop paying premiums before age 90, your cover stops and you won’t get anything back.
• If you die within 12 months of starting your plan, it may only pay out what you’ve paid in.
• Depending on how long you live, you may pay more in premiums than the cash sum payable on death.

This insurance product available through Standard Life Direct is provided by LV=, part of the Liverpool Victoria Group.

For more details you should read through (and download/store) the Policy Summary and Key Facts documents.

If you’re unclear about what this plan provides and whether it suits your needs, you should seek financial advice. Please note there may be a cost for this.

Standard Life Direct is provided by Standard Life Client Management, which arranges, and can advise you about this plan and products from subsidiaries of Standard Life plc and some external providers.

LV= will pay Standard Life Client Management commission if you buy an LV= Over 50s Life Insurance plan through us. The amount paid is based on how much you pay,

Example of commission

The term of the policy cannot be determined at the start date, therefore the example shows the maximum commission payable on a policy for a 50 year old on a plan with a premium of £15 a month over 43 months. The commission figure is not paid directly by you - you only pay the monthly premium quoted and this covers the cost of commission.

• Payment each month £15
• Commission £527.37

For details of the actual amount of commission that would be payable on your plan, please contact Standard Life Direct on 0845 278 5636.