WE ASKED OUR POLICYHOLDERS OVER 50
why they ch Seniorplan. Now you, too, can have this exclusive life insurance because Lloyd's Life guarantees your acceptance if you are aged 50 to 80 and act before 23 March'81 Because of the popularity of Seniorplan, the enrolment period has been extended.
Lloyd's Life wanted to know why more than 25,000 men and women, aged 50 and over, purchased Seniorplan life insurance. So, in a recent survey, we asked our policyholders which features of Seniorplan prompted them to buy. This is what they told us (percentages add up to more than 100%, because malty individuals gave several reasons for their purchase)...
69% appreciated not having to take any medical exam or answer any health questions If _ ou have ever had to undergo a physical exam or answer a long series of personal questions to get life insurance, you'll also welcome Seniorplan's easy enrolment procedure. You simply cannot be refused Seniorplan protection-if you apply during this Special Enrolment Period. So, we never bother you or your doctor with any questions about your health „.never require any kind of medical exam...and never check up on you in any way.
68% wanted cover designed exclusively for the needs of mature people People in their 50's, 60's, or 70's are often shocked to discover that they have inadequate life insurance cover-because inflation has silently eaten away the "protection power" of policies purchased years ago. Lloyd's Life created Seniorplan for one important purpose: to filifill the special insurance needs of people aged 50 and over. At a time in life when it can be difficult to obtain life insurance Seniorplan guarantees you the amount of cover you require at a permanently low cost.
55% liked the wide choice of benefits and premiums Only you know best how much life insurance you need and can afford. That's why Seniorplan offers you a choice of six different benefit sums and premium costs. Whether you're looking for a high level of protection or really low cost...whether you want to establish a legacy for someone special or provide for your final expensesSeniorplan has just the right cover for your needs and your budget.
62% were attracted by the permanently low premiums With today's ever-increasing costs, many policyholders were most impressed by our
guarantee that their Seniorplan gross premiums can never increase, for any reason whatsoever You know exactly what your Seniorplan cover will cost, now and for the rest of your life. As you grow older and as inflation soars even higher, your gross premiums will remain at the low monthly cost shown in the table to the right. And you pay only the net amount shown-because your Seniorplan premiums qualify for immediate tax relief, whether or not you pay income tax!
65% valued benefits that can never be reduced or cancelled Seniorplan gives our policyholders the security of lifetime protection that cannot be reduced in value or taken away from them. Your Seniorplan benefits are based on your age at enrolment, as shown in the table to the right. After the Benefit Builder period described, your benefits cannot be decreased for any reason at all. And, just as important, your cover cannot be cancelled by the company-no matter how long you live or how ill you may become-as long as you pay your premiums when due.
75% preferred cover backed by Uoyd's Life An overwhelming number of policyholders surveyed,purchased Seniorplan because it is offered by Lloyd's Life, a company they know and trust. Lloyd's Life Assurance Limited is the insurance company formed by Lloyd's of London, probably the best-known insurance institution in the world. We developed Seniorplan with leading brokers C. E. Heath Urquhart (Life and Pensions) Ltd., after extensive investigation into the special problems that older people face when trying to buy life insurance. Previously, Seniorplan was offered exclusively to members of the Over Fifty Club which has now made it available to all `over-50's' for a limited time, so that everyone eligible can take advantage of one of the Club's most important and valued benefits.
68% enjoyed the convenience of buying by post Now you can see for yourself how simple it is to secure your own Seniorplan policywithout risking a penny and without even leaving the comfort and privacy of your home. Just complete the brief Application and post it promptly, along with your LI Registration Fee. The information given in this advertisement is based on 15', tax relief and on Lloyd's Life's understanding of present law and Inland Revenue practice.
YOU PAY ONLY £1 FOR YOUR FIRST MONTH'S COVER Send only a £1 Registration Fee with your Application and your first month's cover is "paid in full"-no matter how much cover you select. That saves you over £22 for the first month if you choose Plan F! You'll receive your Seniorplan policy by return post, with your first month's cover already "paid in full!' If you're not 100% satisfied with your policy, just notify us within 10 days for a prompt refund of your LI. If you decide to continue your cover, simply forward a Direct Debiting Mandate starting with your second month's premium (or a cheque, if you prefer to pay annually).
The Benefit Builder makes it all possible This special feature enables Lloyd's Life to guarantee you Seniorplan protection, without health questions or medical investigation. Your beneficiary receives all the premiums you paid in-phis100/a annual interestif deaf h results From natural causes during th e first two years of cover. Your beneficiary receives the full benefit amount if death results from an accident during that period. After the two-year Benefit Builder period, the full benefit sum is paid for death from any cause.
Here are the reasons they gave us... acceptance guaranteed without any medical exam or health questions. designed exclusively for mature men and women. low easy-to-budget gross premiums that never increase. protection can never be cancelled by the company,prov ided premiums are paid. "buy-at-home"convenience through the privacy of the post. Lloyd's Life stands behind every Seniorplan policy. f
THE MORE COVER YOU CHOOSE, THE MORE MONEY YOU SAVE One unit costs only £2.96 a month lneh...and two units doubles your cover for less than twice the cost! You make similar savings each month if you choose the higher benefits of Plan C, D, E, or F. This is a permanent saving-because, once you enroll, your gross premium cannot increase and your benefit cannot decrease for any reason whatsoever.
PLAN E PLAN D PLAN F PLAN 8 PLAN C (7 units) (10 units) (2 units) (5 units) (3 units) £6.21 mthly E8 94 mthly £14.40mthly 219.86 mthly 228 05mthly L5.28"net £7.60' net £12.24'net 116.8rnet £23.84'net of tax relief of tax relief of tax relief of tax relief of tax relief Men Women GUARANTEED LIFETIME SUM ASSURED N /A .. N /A.. 50 858 4,290 £ 1.716 2 2,574 N /A N/A 812 4,060 51 1,624 2.436 N/A N/A 50 52 768 3.840 1.536 2.304 N/A 726 N/A 51 53 3,630 1,452 2.178 N/A 687 N/A 52 54 1,374 2,061 3.435 N/A 648 1,944 N/A 1 296 3,240 53 55 N /A 1,226 N/A 56 54 613 1.839 3,065 1 158 N/A N/A 57 579 1,737 2,895 55 N/A 1,092 1.638 58 N/A 546 2,730 56 N /A 1.028 59 514 1,542 2.570 N /A 57 N/A 484 1 452 N/A 968 2.420 60 58 N/A 912 59 61 456 1,368 2.280 N/A N/A 1.290 2.150 N /A 430 62 860 60 414 N/A 1,242 '828 2,070 C2.898 61 63 N/A 398 796 1,194 1.990 62 64 2.786 1,146 1,910 N/A 764 2.674 382 63 65 N/A 367 734 1,101 1,835 66 2.569 64 1,755 351 702 1,053 N/A 67 2.457 65 329 658 987 1.645 66 68 2.303 £3290 1.545 67 309 618 927 2.163 3.090 69 1,445 70 289 578 867 2.890 68 2.023 270 1,890 1.350 71 540 810 2,700 69 1,757 502 1255 251 70 72 753 2.510 1.165 1.631 23,3 466 71 73 699 2330 1075 74 2t5 430 645 1.505 2.150 72 1,386 73 198 990 1,980 75 396 594 183 74 366 549 915 1,281 1830 76 168 1.176 75 77 336 504 840 1.680 155 310 76 78 465 775 1.085 1,550 1.430 143 715 1 001 77 286 429 79 78 917 1.310 80 131 262 393 655 121 847 1.210 79 242 363 605 80 222 333 777 1.110 555 "The net premiums above show tan relief at15% veuch becomes effective from Avenge". Age Last Birthday
t
"This plan not available (N.A.) to these age groups. No policyholder may have more than the maximum units indicated above. in one or more Seniorplan policies (whenever issued).
APPLICATION
Seri
YOUR ACCEPTANCE IS GUARANTEED
enclosed my £1 Registration Fee as payment in full for my first month's cover. If I am not completely satisfied with my policy-I will notify you within 10 days for a refund of my £1. Or. I can continue my cover by sending my second month's premium. I understand that no medical exam is required. no health questions are asked, and no salesman will call, BLOCK CAPITALS PLEASE Mr 4 Mrs (First Names) (Surname) 1. Miss Address
HOW TO APPLY 1 . Fill in the requested information. 3.
Sign and date your Application. If your spouse would also like a Seniorplan policy to review, please provide information requested under Item 4.
5.
Post the Application with your £1 Registration Fee to the address below. If you are requesting a policy for your spouse, please enclose an additionatil. Send cash, or cheque/ P.O. made payable to 'Seniorplan Administrator!
2 . 1,
46
Day /rIontry /Year
Age
yrs Sex
PLAN A
...fseertekcoonvee; o f
I1
It unit) PLAN (5 units)
1 PLAN B I (2 units) PLAN E I (7 units)
Male I Female
II
PLAN C 13 units) PLAN F (10 units)
Date 3 . Signature . Complete this section only It your spouse wants this cover, too 6*. SpouSe'S / (Fast Names)-I Name (Surname) Date of Birth
X‘ono/ ye.,
Age Hi
- ! Male yrs Sex Female
Circle Plan required:
A 1 I PLAN Bi I PLAN CI I PLAN 1)] I PLAN E] E PLAN F I
I PLAN Spouses Signature
Senio Ill12 Lloyd's Life Seniorplan Administrator, Catherine House, Guildford Road, Lightwater, Surrey, GU 18 5SU.
County
Town Date of Birth
Tick the number of units you require.
4.
TT2G
YES, send me my Seniorplan policy for the plan indicated below. I have
if you are between the ages of 50 and 80 and you apply before the close of enrolments.
2.
PLAN A (1 unit) £3 48 manly £.2.96"net of tax relief
L
X
Address your envelope and post with El to: SAI FREEPOST Lightwater. Surrey.GU18 5BR. (Attn: Seniorplan Administrator). (No stamp required),
Date Available to UK residents only .
Seniorplan