Terms and Conditions

These terms and conditions contain all the details of your Pure Life Over 50’s Life Insurance, provided by Scottish Friendly Assurance Society Limited (‘Scottish Friendly’).

Wherever we say ‘you’ or ‘your’ in these terms and conditions, we mean the policy holder. And wherever we say ‘we’, ‘us’ or ‘our’, we mean Scottish Friendly Assurance Society Limited, which we’ll refer to just as ‘Scottish Friendly’.

Your policy is arranged by Pure Life Financial Services, referred in this document as ‘Pure Life’.

Your policy schedule, the application summary, the key facts and the terms and conditions make up your legal agreement with Scottish Friendly.

Your policy schedule contains the details of your cover, such as the start date, the monthly payments and the amount of your payout. It is sent to you at the start of your policy and if your policy is amended.

Your commitment

Demands and Needs

Pure Life can only give you facts, not personalised advice. You need to use this information to decide if this Policy is right for you. Pure Life Over 50s Insurance meets the demands and needs of someone aged between 50 and 74 years old who is a UK resident and wants to leave a lump sum on death for their next of kin.

If you are not sure if this is the right policy for you, please speak to a Financial Adviser.

Please Make Sure We have the Right Details

You need to check your policy schedule when you receive it to make sure that all the information, we hold about you is correct. If you need to make any changes, or have questions about your policy, you can call Pure Life on 0800 501 6266 or Scottish Friendly on 0333 323 5433.

Eligibility Criteria

For your application to be accepted you must be aged between 50 – 74 and a UK resident at the start of the policy.

If you provide us with an incorrect date of birth or any other incorrect information, Scottish Friendly maybe unable to pay a claim and may cancel your policy.

If because of your age we would have offered you a policy for a different amount, we’ll change the amount your policy will pay out, to reflect your correct age. If you’d paid too much for your cover because of the error, we’d also refund any overpayments.

1. How does my policy work?

Pure Life Over 50s Insurance is a regular premium whole of life protection policy. You pay a fixed Monthly Premium during the Payment Term and the policy pays out a guaranteed Cash Benefit on your death after 24 months.

A fixed Cash Benefit may be paid on death. You can find the value of the Cash Benefit on your Policy Schedule, which is sent to you after your application is accepted.

If you die within the first two years

If you die within 24 months from the start date of the plan and:

If you die after two years

After 2 years of Monthly Premiums the Policy will pay out a full Cash Benefit at the point of Claim provided the Monthly Premiums are made during the Payment Term.

If you stop making payments within 5 years

If Monthly Premiums stop before 5 years’ worth of Monthly Premiums have been made to the Policy, then the Policy will be cancelled, no Cash Benefit will be payable, and no Monthly Premiums will be refunded.

What happens if you stop making payments after 5 years

If Monthly Premium stop after 5 years’ worth of Monthly Premiums have been made to the Policy, then the Policy will continue but will pay out at the point of Claim a Reduced Cash Benefit.

Your Policy will cease after the payment of the Cash Benefit, a Reduced Cash Benefit or a return of Monthly Premiums.

How long will you pay for?

Your policy will stay in place until you die unless it is cancelled, or you miss premium payments. To ensure you get your full Cash Benefit, you must keep up your Monthly Premiums during the Payment Term.

Your Payment term will be from your Policy Start Date until the earlier of:

What happens if you miss 2 or more payments?

If 2 or more Monthly Premiums are not collected, your policy will come to an end and you will receive no Cash Benefit on your death, unless you have paid more than 5 years’ worth of premiums in which case you will receive a Reduced Cash Benefit.

How do you make changes to your monthly premium

Your Monthly Premium is fixed and cannot be changed. However, you can change the date the monthly premiums are collected by contacting Scottish Friendly on 0333 323 5433.

2. How do you make a claim:

If the policy holder has died, than please contact Scottish Friendly on:

Scottish Friendly Assurance Society Limited Scottish Friendly House 16 Blythswood Square Glasgow G2 4HJ

Alternatively, you can contact them by telephone on: 0333 323 5433

What documents will be required?

Scottish Friendly will send your loved one a claim form, which should be completed and sent back to Scottish Friendly on the address given above.

Scottish Friendly have the right to request medical records to verify a Claim if required.

Scottish Friendly may also request documentation to allow them to verify the identity of the claimant; this may include searching for their details with a credit rating agency or requesting documentation, such as bank statements from them. No Cash Benefits will be payable under the Policy until they have been able to verify the claimant’s identity.

Once the Claim has been accepted, Scottish Friendly will pay the Cash Benefit, Reduced Cash Benefit or return of premiums to the Claimant.

3. What to do if you have changed your mind?

Cancelling within 30 days

You have 30 days from the receipt of your policy schedule in which you may cancel. Your Welcome Pack will contain instructions on how to cancel. Alternative you can contact Scottish Friendly on the details provided above. Any premiums paid will be refunded to you, and you will be sent a letter of confirmation.

Cancelling after 30 days

If you wish to cancel after 30 days, you can do so by contacting Scottish Friendly. If you do cancel after 30 days you will not receive any refunds to the premiums paid.

If 2 or more Monthly Premiums are not collected, your policy will come to an end and you will receive no Cash Benefit on your death, unless you have paid more than 5 years’ worth of premiums in which case you will receive a Reduced Cash Benefit.

Scottish Friendly may cancel the policy in any of the following circumstances:

4. How to Complain

We, at Pure Life and Scottish Friendly, hope you never have a reason to complain, but if you do we will do our best to work with you to resolve it.

If your complaint is about any aspect of the service you have received, please contact Pure Life in respect of the sale of this policy or the ongoing customer service:

If your complain is about your Policy or the claim, please contact Scottish Friendly on:

Please supply your policy number so that your complaint can be dealt with promptly.

If your complaint cannot be resolved immediately, an acknowledgement letter will be sent to your within five working days of receipt of your complaint.

Your complaint will continue to be investigated and if Scottish Friendly are unable to respond with four weeks of receipt of your complaint, you will receive written confirmation that your complaint is still being investigated.

Within eight weeks of receiving your complaint you will either be sent the full and final response or it will be confirmed to you that the investigation is still on-going.

If you are not satisfied with the response to your complaint, you can contact the Financial Ombudsman Service at:

5. Financial Services Compensation Scheme (FSCS)

Scottish Friendly are covered by the FSCS. In the event you buy a Policy and Scottish Friendly are unable to pay the full amount due, you may be entitled to compensation under the Financial Services Compensation Scheme. You can find out more by visiting www.fscs.org.uk

You can get further information from the Financial Services Compensation Scheme at: 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU Tel: 0800 678 1100. www.fscs.org.uk

Pure Life Financial Services Ltd is part of the Pure Cremation Group Ltd.

Pure Life Financial Services Ltd. Company number 13149243. Registered Office: Eagle House, Joule Rd, Andover, SP10 3UX. Pure Life Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. Your policy is issued, underwritten and administered by Scottish Friendly Assurance Society Limited. Scottish Friendly Assurance Society Limited is a friendly society incorporated and registered under the Friendly Societies Act whose registered office is at Galbraith House, 16 Blythswood Square, Glasgow G2 4HJ. They are authorised by Prudential Regulation Authority and regulated by Financial Conduct Authority and Prudential Regulation Authority. Registration number 110002.