Scottish Friendly has announced an increase in the policyholders' bonus applicable the start of this month.
Payouts for plans maturing from 1 April 1999 will increase for all policy holders.
For a male aged 30 at the start of a policy, investing £50 a month on a 25 year endowment, the payout would be £95,294 up from £90,301 in 1998. For a 20 year-return, the payout is £50,332 up from £48,278 last year.
Scottish Friendly chief executive Bob Thomson says: "Our with profits bonuses follow exceptional sales growth from independent financial advisers and direct marketing in 1998 when our total new business increase was 105 per cent."