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. 

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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.