Guaranteed Five Year Savings Plan

The Guaranteed Five Year Savings Plan has low minimum premiums, a short fixed term and a guaranteed return. After just five years your plan matures with a guaranteed payout.

This plan is very simple. Save a regular amount for five years and get a return that’s guaranteed.

  • minimum premium of just £20 a month
  • easy deduction from salary or by direct debit
  • you know exactly what you’ll get back after five years (or if you have to cash in early)
  • ‘Rolling Plan’ gives you a pay-out every year (after the first five years)

Watch this video for a quick summary of the Metfriendly Guaranteed Five Year Savings Plan.

NOTE: The terms for 2017 are different to the 2014-2016 terms – see “What will I get back?” for details.

Rolling Plan

Many of our members also choose to start new plans every year. This is known as the Rolling Five Year Savings Plan and means that after five years you will start receiving a pay-out every single year – ideal for regular annual events like Christmas, school fees or holidays. See the Rolling Plan FAQ below for full details.


Member Referral Scheme: Please note that as of 15/10/2021 our Member Referral Offer is not available where the referred party is applying only for a Metfriendly Guaranteed 5 Year Savings Plan. Read the full offer terms and conditions here.

What will I get back?

As an example, under this plan a regular premium of £50 per month (£600 per year, £3,000 in total) will be guaranteed a return of £3,050 after five years.

This is effectively your total premiums paid PLUS a month’s premiums.

NOTE: For all plans that began before January 1st 2017 the guaranteed return in the example above will be £3,100.

You can see in the graphic below an illustration of the returns.

Total amount saved £3,000
Returns over 5 years for new plan £3,050

Annualised return over 5 years to 1 March 2016

The table shows what you would get back if you had to cash your plan in early.

The early years

At the end
of year
Total premium
paid in to date
What you would
get back
1 £600 £500
2 £1,200 £1,150
3 £1,800 £1,750
4 £2,400 £2,400
When can I take money out?

When the Guaranteed Five Year Savings Plan reaches the end of the five year period we will contact you to make arrangements for you to receive the maturity value. You can cash in the Guaranteed Five Year Savings Plan completely at any time for a ‘surrender value’ but you may get back less than you paid in. We will not permit partial surrenders.

On taking money out of the plan there may be tax implications.

How to take your money out

To surrender/cash-in a plan please call us on 01689 891454 to discuss the options available to you. You can also email us and we will contact you.

What if I change my mind or decide to cancel?
  • You can cancel for a full refund within 30 days of receiving your policy documents.  Simply contact our Member Services team on 01689 891454 or email [email protected] 
  • If you wish to stop or cancel your plan after this, remember this type of plan is fixed and penalties may apply. Our friendly Member Services team will be able to discuss your options.
How much will it cost for advice?
  • we do not offer or give financial advice.
  • we do not make any form of commission.
  • the cost of providing verbal or written information about this product is included in our overall expenses.
How do I contact you?

Metfriendly, Central Court, Knoll Rise, Orpington, BR6 0JA

Phone: 01689 891454 

Email: [email protected]

What is the Rolling Five Year Savings Plan?
  • a new plan automatically begins each year
  • after five years your plans begin to pay out every year
  • ideal for regular yearly expenses such as their annual holiday, Christmas or the start of the school year.
  • you can opt out of the Rolling Plan at any time.

Rolling Plan Example

This example shows how you may set up a Rolling Plan to get a pay-out every January to help with Christmas credit card bill.

  • you begin a Rolling Five Year Plan in January at £20 per month.
  • each subsequent year you begin another plan at £20 per month.
  • after five years you will have five plans running for a total premium of £100 per month.


  • after five years your first plan will mature paying you a GUARANTEED £1,220 in good time to help you with the Christmas credit card bill.
  • early the following January your second plan will mature paying you another GUARANTEED £1,220 – Christmas sorted again!
  • and every January thereafter you will receive a pay-out for as long as you wish to carry the Rolling Five Year Savings Plan on.

To take out a Rolling Plan tick the relevant box in the application form.

Taking one out means that we will send you a new policy schedule each year, along with a cancellation notice giving you the option not to proceed with any further plans.

‘I’ve used Metfriendly for the last 5 years and recently the money has gone towards a deposit for our house which we are moving into next month. I will be signing back up next month to help save towards my kids future.’


Amanda Cooper (Met CC, Bow)

Great opportunity for family members to be offered the same offers as members.

Miss A McLeary, ESB

Very happy with the service. I have a number of policies for myself and my children.

Police Sergeant S Drysdale, DPS Borough Support

‘I would recommend Metfriendly to everyone.’

Mrs V Thompson, Dagenham

Good service – always very helpful and informative.

Miss J Coward, South Norwood, London

‘I have always been pleased with the returns from my Metfriendly policies.’

Mr P Payne, Bordon

‘I’ve used Metfriendly for the last 5 years and recently the money has gone towards a deposit for our house. I will be signing back up next year to help save towards my kids future.’

Mrs A Cooper, Met CC, Bow

‘Very pleased with the service I’ve received to help me save money direct from my salary.’

DC Chris W, SO15

‘Hassle-free savings that are started every year on my behalf, without me having to call up.’


D.C. R McLaren, Hackney Borough Stations