Risks and Important things to know

• Your cover is fixed when your plan starts and doesn't change. This means it won't keep up with inflation and will buy less in the future. It is important to review the cover you have selected regularly to make sure that it is enough to offset any rises in the cost of living.


• You need to keep making payments until you are age 90. If you stop before then, cover will stop and you will not get anything back.


• If you were to die in the first 12 months of your plan starting, it may only pay out what you have paid in.
• Please note that this protection plan has no cash in value at any time.
• Depending on how long you live, the total amount of payments may amount to more than the cash sum payable on death

If you are unclear about what this plan provides and whether it suits your needs, you should seek financial advice. Standard Life Direct can provide you with advice about this plan, products from subsidiaries of Standard Life plc and some external providers.

If you are happy to proceed without receiving advice, remember that your decision will be based solely on your own interpretation of the information provided. We have not taken into account your individual needs and circumstances. The 50 Plus Plan is for UK residents aged 50-80 and offers a cash payout in the event of death. If you are in any doubt about the suitability of the plan you should seek financial advice.