Updated October 21, 2026 · SumCue Editorial Team
Nationale-Nederlanden life PL vs Scottish Friendly
Nationale-Nederlanden life PL
Scottish Friendly
Higher score in this comparison
What sets them apart
| Compare | Nationale-Nederlanden life PLReviewSee alternativesSee alternatives | Scottish FriendlyReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | PLN 39 | £0.23 |
| Insurance types | Life, Health, Critical illness, Income protection, Home, Renters, TravelCovers more | Life |
| Cover limit | up to over PLN 1,000,000 | £20,000 |
| Claims channels | Online claim form, Customer zone Moje NN, Advisor or branch, Infoline, E delivery | Post |
| Age range | 3 months to 71 years | 50-74 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Scottish Friendly scores higher overall: 9.4 vs 9.2.
- Founded is lower at Scottish Friendly: 1862 vs 1994.
- Insurance types: only Nationale-Nederlanden life PL offers Health, Critical illness, Income protection.
- Claims channels: only Nationale-Nederlanden life PL offers Online claim form, Customer zone Moje NN, Advisor or branch.
- Claims channels: only Scottish Friendly offers Post.
- Support channels: only Scottish Friendly offers Email.
Our verdict on each
Nationale-Nederlanden life PL
Nationale-Nederlanden life PL suits Polish households who want life, health and property cover alongside IKE and IKZE retirement saving from one insurer, with monthly payments and life sums insured reaching up to over PLN 1,000,000. The variable, fund-based return and a starting premium of PLN 39 suit savers who can accept market risk.
Scottish Friendly
Scottish Friendly suits seniors seeking simple guaranteed life cover from a mutual society dating to 1862, with monthly payments that help household budgeting. Cover is focused and modest, so check limits and terms suit your family plans. Support is available by email and phone plus the help centre.
Score breakdown
| Area | Nationale-Nederlanden life PL | Scottish Friendly |
|---|---|---|
| Cost | 9.1Premium of PLN 39 against a site median of €8.31, plus a minimum deposit of PLN 150 on the retirement accounts. | 9.5HigherPremiums are £0.23 with monthly payments offered |
| Offer | 9.3Higher | 8.5Cover of £20,000 for life cover aimed at seniors |
| Trust | 9.4 | 9.8HigherAuthorised under 110002 as an insurer |
Choosing between them
Pick Nationale-Nederlanden life PL if offer and insurance types matter most.
Pick Scottish Friendly if cost and trust matter most.
How they place
| Ranking | Nationale-Nederlanden life PL | Scottish Friendly |
|---|---|---|
| Savings | 299 of 1492 | 178 of 1492 |
| Insurance | 189 of 627 | 107 of 627 |
| Life insurance | 89 of 238 | 51 of 238 |
| Cash ISAs | 4 of 11 | 1 of 11 |
Where these facts come from
Nationale-Nederlanden life PL
- nn.pl: 12 facts, checked September 26, 2026
Scottish Friendly
- scottishfriendly.co.uk: 13 facts, checked September 28, 2026
Every fact side by side
| Fact | Nationale-Nederlanden life PL | Scottish Friendly |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Nationale-Nederlanden Towarzystwo Ubezpieczen na Zycie S.A. | Scottish Friendly Assurance Society Limited |
| Headquarters | Poland | United Kingdom |
| Founded | 1994 | 1862Lower |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Savings
| Fact | Nationale-Nederlanden life PL | Scottish Friendly |
|---|---|---|
| Rate type | Variable | Not confirmed |
| Minimum deposit | PLN 150 | £100 |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | IKE and IKZE opened fully online; deposits by bank transfer or card; savings invested in the Nationale-Nederlanden DFE fund | Stop, restart, increase or decrease payments anytime |
| Account kind | ISA | ISA |
Pros and cons
Nationale-Nederlanden life PL
Pros
- A claim can be started through online claim form, customer zone Moje NN and advisor or branch, so a payout does not depend on reaching a branch.
- The provider sells life, health and critical illness, letting one household place life, health, income and property risk with the same insurer.
- Life sums insured reach up to over PLN 1,000,000, and entry ages run 3 months to 71 years, so cover can start early and rise later.
Cons
- Ranked 138 of 251 brands on starting premium, the entry price is above most of the list.
- Support runs on phone and help centre only, with no chat or email listed for routine questions.
- The retirement return is variable, so a weak year reduces the balance instead of leaving it fixed.
Scottish Friendly
Pros
- Monthly payments are offered, which helps you budget for life cover across the year
- Support is available through email, phone and help centre, giving you phone and email choice plus self serve help
- The Easy Choice account allows Stop, restart, increase or decrease payments anytime, which suits you if your budget changes
Cons
- Cover is limited to insurance types of life, so you will need another provider for home or travel needs
- Age band is 50-74, which excludes younger adults seeking family cover
- Claims run on post only, which may feel slow if you prefer online or phone claims
Who each suits
Nationale-Nederlanden life PL
Who it suits
- Polish households who want life, health and property cover quoted by one insurer rather than several.
- Savers building a retirement account who can fund a minimum deposit of PLN 150 and accept a market-linked balance.
- People who prefer premiums spread across the year, since monthly payments are available.
Who should look elsewhere
- Anyone shopping purely on entry price: bunq lists €0 and bunq Spain €0 as their starting premium, against PLN 39 here.
- Buyers after a lower euro entry price, since linxea lists €25.
Scottish Friendly
Who it suits
- Seniors wanting a simple life payout to help with funeral costs
- People who prefer monthly payments direct from an insurer
- Savers who also like flexible ISA payments alongside cover
Who should look elsewhere
- You need car or home cover rather than life cover, so die Bayerische may fit better for device led needs
- You want a savings led contract with very low entry payments, so Linxea may fit better than a senior life plan
Country by country
| Country | Nationale-Nederlanden life PL | Scottish Friendly |
|---|---|---|
| Poland | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Nationale-Nederlanden life PL
What does the cover cost to start?+
Starting premium is PLN 39, and the listed payment model is monthly, so the yearly figure can be spread across the year. On price alone this is not the cheapest entry point among the listings: it sits above the site median of €8.31 and above linxea at €25.
How much do I need to put into the retirement accounts?+
The minimum deposit is PLN 150 on the isa retirement accounts here, so a small monthly transfer is enough to open one. Deposits go in by bank transfer or card, and the IKE and IKZE accounts are opened fully online, with no branch visit needed.
Scottish Friendly
What will life cover cost each month?+
Premiums are £0.23 for the guaranteed plan, and monthly payments are offered to help you spread the cost. The exact amount you pay depends on your age and the level of cover you choose. Check the quote carefully before you commit.
Who regulates Scottish Friendly?+
Scottish Friendly is authorised under 110002 by the Financial Conduct Authority and Prudential Regulation Authority. That means it must meet UK conduct and prudential standards. You should still read the policy documents with care.
Other options to compare
Nationale-Nederlanden life PL
Scottish Friendly