how um...apropriate?

we got a letter from Alliance and Leicester through the post today.

Dear Mr Dale

No one likes to talk about the inevitable - It's hardly a pleasant thought. But suppose you were to die unexpectedly, how would your family or loved ones manage without you?

We have identified a simple way to allow you to leave something that could go to your family or loved ones should the inevitable happen. The guarunteed Over 50 Plan, provided by AXA Sun Life plc is a whole of life policy which is designed to pay out a cash sum of money on your death, in return for you paying fixed monthly premiums for the rest of your life.

full cover starts after you have paid your premiums for two years. If you die in the first two years, AXA Sun Life will not pay the fixed cash sum. However, AXA Sun Life will pay one and a half times the premiums you have paid in. Depending on how long you live, the total amount of premiums you pay may be greater than the cash sum payable on death. You will need to continue paying your premiums in order to maintain your life cover.

three times the fixed cash sum will be paied should you die as a result of an accident (or die within three months from injuries sustained in the accident) whilst travelling as a fare paying passenger by road, rail, sea or air, or if you are killed in a motor accident while travelling as a driver or passenger. this even applies during the first two years.