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Insurance To Protect Your Loans

The Guaranteed Over 50’s Plan is designed for those who would like to leave a lump sum of money on death. This could help to pay towards funeral expenses or any outstanding debts or to leave as a legacy.

  • No medical or health checks required – you can get cover that starts today.

  • Your acceptance is guaranteed provided you are a Maltese resident aged between 50 and 80 and can confirm two simple medical questions.

  • Guaranteed cash lump sum paid out to your loved ones when you die.

  • Premiums are guaranteed never to increase.

  • The money is paid tax free under current legislation.

  • You may also select who you would like to receive the cash lump sum.

Plan Description

  • The Guaranteed Over 50s Plan is a regular premium, whole of life plan that lasts for the rest of your life. It is designed to pay a guaranteed cash lump sum on your death, whenever that occurs.

  • If you die during the first two years of your plan we will provide a full return of your premiums. After the second year, the guaranteed fixed amount of life insurance will be payable.

Your Commitments

You agree to pay a fixed regular premium until your 90th birthday.

Risk Factors

  • The Plan only pays on death and you cannot get back the premia you have paid.

  • If you die during the first two years we will refund your premia instead of paying out the guaranteed life insurance. 

  • If you stop paying the premia your cover would stop 30 days after the payment was missed.

  • Your circumstances may change, affecting your ability to continue paying the premia. 


ROCS Company Limited is an enrolled Tied Insurance Intermediary under the Insurance Distribution Act, Cap 487 of the Laws of Malta for MAPFRE MSV Life p.l.c.. MAPFRE MSV Life p.l.c.(C-15722) is authorised under the Insurance Business Act, Cap 403 of the Laws of Malta. Both entities are regulated by the MFSA.

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