Key Features of the Term Assurance (with options) For use in business protection planning

Transcription

1 Key Features of the Term Assurance (with options) For use in business protection panning

2 Term Assurance (with options) Key features The Financia Conduct Authority is a financia services reguator. It requires us, Aviva, to give you this important information to hep you to decide whether our Term Assurance (with options) is right for you. You shoud read this document carefuy so that you understand what you are buying, and then keep it safe for future reference. This Key Features document has been written on the basis that the Poicyhoder and the Life Assured are the same person. However, it is possibe for the Poicyhoder to take out cover on another person. Its aims To provide the type of cover that you choose. Your pan wi provide you with ife cover and for an additiona premium you can aso choose to incude Critica Iness cover. Life cover pays out a ump sum if you die during the pan term. Life and Critica Iness cover pays out a ump sum if you either die or are diagnosed with a critica iness that meets our pan definition and then survive for at east 14 days. We ony cover the critica inesses we define in our pan and no others. Aternativey, the pan wi pay out if you are diagnosed as suffering from a termina iness, within the pan term, with a ife expectancy of ess than 12 months. The pan ends if we pay out the cash sum on death, termina or critica iness. It continues if we pay out under additiona critica iness benefit or chidren s benefit. To provide cover for the period of time that you choose, subject to your age and the options incuded in the pan. At the end of the term the pan wi end and you wi get nothing back. Your commitment To ensure you answer a the questions on your appication fuy, truthfuy and accuratey to the best of your knowedge. Faiure to do so may mean that we need to reconsider the terms that have been offered, cance the poicy or might not pay a caim. To te us if any of the medica or other information you give us changes in the time between when you sign the appication and the start of your pan. Faiure to do so may resut in the cover you receive being inappropriate for your revised needs and may mean that we need to reconsider the terms that have been offered, cance the poicy or might not pay a caim. When you make a caim under Critica Iness cover the occupation that you are foowing at the time wi be taken into consideration when assessing your caim. To pay reguar monthy or yeary premiums over the pan s term. If you choose reviewabe critica iness premiums your premium may change every five years. Further detais can be found in the section entited More about Critica Iness cover ater in this document. If you stop paying your premium, your cover wi end after 30 days from the date your ast premium was due. To te us if you move outside the UK, Channe Isands and Ise of Man as some options of your pan may not be avaiabe, and wi depend on where you move to and for how ong. You shoud reguary review your pan to ensure that it is sti adequate for your needs. As your needs change, the eve of cover you require may aso change. Therefore, if you do not reguary review your pan, you may have too itte cover for your needs or be paying too much for the cover that you aready have. Further detais can be found in the section entited How fexibe is it? ater in this document.

3 Risks If you don t pay your premiums, your pan and your cover wi end 30 days after the payment was due. You get nothing back. This pan has no cash-in vaue at any time. If you choose Critica Iness cover, we ony pay out if you re diagnosed with a critica iness that meets our pan definition and then survive for at east 14 days. A of the conditions that we cover are described in the Pan Conditions and our Guide to Critica Iness Cover booket. If you ve chosen reviewabe Critica Iness cover we review your premiums every five years: we may increase your premiums. We te you if we re going to do this there is no maximum amount that your premium can be increased by. Pans with onger terms have a greater risk of premium increases as they have more reviews and are more ikey to be affected by the factors that we take into consideration when reviewing the premium if you decide to cance the pan due to increased premiums you won t get any money back. Further detais can be found under the heading More about Critica Iness cover. It is vita that you answer a the questions on your appication fuy, truthfuy and accuratey and that you te us about your medica history in fu. Faiure to mention something coud resut in your pan being inappropriate for your protection needs and may mean that we need to reconsider the terms that have been offered, cance the poicy or might not pay a caim. If you don t provide the information we ask for when making a caim, we won t pay out under the pan. There are some excusions which we appy to the pan. For more information about these excusions pease see the section When wi the pan not pay out? Questions and answers What is a Term Assurance pan? It s an insurance pan that provides you with ife cover and for an additiona premium you can aso choose to incude Critica Iness cover. Life cover pays out a ump sum if you die during the pan term Life and Critica Iness cover pays out a ump sum if you either die or are diagnosed with a critica iness that meets our pan definition and then survive for at east 14 days. We ony cover the critica inesses we define in our pan and no others. Aternativey, the pan wi pay out if you are diagnosed as suffering from a termina iness, within the pan term, with a ife expectancy of ess than 12 months. You can take out the pan on your own or with someone ese. The cash sum is payabe on the first caim ony. The pan can cover you or you and another person. The pan pays out on the first successfu caim, whether that is in respect of critica iness, termina iness or death with the exception of a payment for Chidren s benefit, or Additiona Critica Iness; in which case the pan wi continue. The panhoder can be you or you and another person, such as a business partner. The pan is avaiabe for a term of your choice, subject to, any options you may choose and any age restrictions of the pan. At the end of the term the pan wi end and you wi get nothing back. You can set up the pan with someone ese as the person covered by it. For further detais pease refer to the Pan Conditions. The person covered by the pan must be aged between 16 and 89 at the start of the pan. If you choose Critica Iness cover, ony the chidren of the person(s) covered by the poicy wi aso be covered under the chidren s critica iness benefit. Chidren are covered whist they are between the ages of 30 days and 18 years, or 21 if in fu time education, on the date of diagnosis and as ong as the pan is in force. If you choose Critica Iness cover then the ife assured wi aso be automaticay covered under the Additiona Critica Iness Benefit. How fexibe is it? This pan is not designed to be fexibe. You can t ater the pan once it s started, other than under the terms of the Conversion and Renewa options if seected at the start.

4 When does the pan pay out? We pay out a guaranteed cash sum if you: die during the pan term or are diagnosed as suffering from a termina iness within the pan term and you aren t ikey to ive more than 12 months or are diagnosed, during the pan term, as having a critica iness that meets our pan definition and then survive at east 14 days (if this option is seected at the start of the pan). caim and meet our definition for Arteriovenous Maformation (AVM) of the Brain, Badder Remova, Carcinoma in Situ of the Breast, Carcinoma in Situ of the Cervix, Carcinoma in Situ of the Testice, Crohn s Disease treated with intestina resection, Low Grade Prostate Cancer, Non-Maignant Pituitary Tumour, Remova of an Eyeba or Significant Visua Impairment. These 11 conditions are in addition to the main pan (if Critica Iness cover is seected at the start of the pan). The amount payabe wi be 20,000 or 20% of the critica iness amount, whichever is ower. caim for an eigibe chid under the chidren s benefit. We pay out 50% of the critica iness amount up to a maximum of 25,000 if the chid is diagnosed with a critica iness or additiona critica iness we cover (excuding Tota Permanent Disabiity). If the chid dies we pay 5,000. Cover wi start from when the chid is 30 days od and end on their 18th birthday or 21st birthday if they are in fu time education as ong as the pan is in force. The pan ony pays out once so if we do pay out after you make a caim for termina or critica iness, your pan wi end with the exception of a payment for Chidren s benefit, or Additiona Critica Iness; in which case the pan wi continue. More about Critica Iness cover To incude this cover: you must be aged between 16 and 59 at the start of the pan if you choose guaranteed premiums, the pan must end before your 76th birthday and the maximum term of the pan can be 40 years if you choose reviewabe premiums, the pan must end before your 91st birthday and the maximum term of the pan can be 50 years. 2,000,000 is the maximum tota critica iness cover avaiabe with Aviva incuding existing cover aready in force with Aviva. 3,000,000 is the maximum tota critica iness cover avaiabe in the market incuding existing cover aready in force with Aviva or any other provider. We wi pay you the cash sum if you are diagnosed as having one of the specified critica inesses covered by the pan, during the pan term, if you choose this cover. Fu detais of the inesses covered by the pan are avaiabe within the Guide to Critica Iness Cover. Pease ask your financia adviser for a copy. If the cash sum is paid on diagnosis of a critica iness, no further benefit is payabe on termina iness or death and the pan wi end. This is with the exception of a payment for Chidren s benefit, or Additiona Critica Iness; in which case the pan wi continue. What are the Critica Iness premium options? Critica iness premiums can be on a guaranteed or reviewabe basis. Your financia adviser wi be abe to hep you decide the best option for your circumstances. If you choose the guaranteed basis, this means your premiums wi stay the same throughout the term of your pan. You may wish however to choose the reviewabe premium basis. This means that your premium is very ikey to change over the term of your pan. How wi the Critica Iness premium be reviewed? If you choose a critica iness pan on a reviewabe basis it means that: we wi review the part of the premium reating to this benefit prior to the fifth anniversary of the incusion of critica iness in the pan. We wi then review the premium every five years thereafter. your premium wi not be changed in between reviews premiums wi be reviewed in a fair and reasonabe way and as a resut of the review your premium may increase, decrease or remain unchanged there is no imit to the change in premium that coud be appied to your pan at review we wi inform you of the outcome of the review at east 60 days before we make any change to your premium. We wi review your premium based on a range of factors incuding: The possibe impact of further medica advances Caims experience and the experience of the rest of the industry Expectation of future caims Investment returns Changes in taxation, egisation and reguation The eary canceation of our pans which incude Critica Iness cover.

5 What are the options foowing a review? If, foowing a review, your premium needs to change, we wi advise you of the proposed change at east 60 days prior to the five year anniversary date uness the reason for the change is beyond our contro and means ony a shorter notice period is possibe. If your premium needs to increase there are some options avaiabe to you. You can: Accept the higher premium and maintain your eve of cover Reduce the amount covered on the pan to keep your existing premium Remove the Critica Iness cover you wi not get back any premiums you have aready paid Cance the pan and stop paying premiums you wi not get back any premiums you have aready paid. If you do not wish to accept the higher premiums, you must confirm your chosen option to Aviva at east 14 days prior to the five year anniversary date. Otherwise, we wi assume you wish to pay the higher premium. What critica iness conditions are covered? The compete ist of the conditions we cover is set out beow. These headings are ony a guide to what is covered. The fu definitions of the inesses covered and the circumstances in which you can caim are given in the pan conditions. These typicay use medica terms to describe the inesses but in some cases the cover may be imited. For exampe: Some types of cancer are not covered To make a caim for some inesses, you need to have permanent symptoms. Pease ask your financia adviser for a copy of the pan conditions. The definitions are aso avaiabe in our Guide to Critica Iness Cover booket. Azheimers s Disease or Pre-Senie Dementia before age 65 resuting in permanent symptoms Aorta Graft Surgery for disease or trauma Apastic Anaemia Arteriovenous Maformation (AVM) of the Brain with specified treatment Incuded as a separate benefit to the main pan the critica iness cover, whichever is ower. See Additiona Critica Iness Benefit section beow for further detais. Bacteria Meningitis Benign Brain Tumour resuting in permanent symptoms or requiring invasive surgery. Benign Spina Cord Tumour Badder Remova Incuded as a separate benefit to the main pan the critica iness cover, whichever is ower. See Additiona Critica Iness Benefit section beow for further detais. Bindness permanent and irreversibe Cancer excuding ess advanced cases Carcinoma in Situ of the Breast requiring surgery to remove the tumour Incuded as a separate benefit to the main pan the critica iness cover, whichever is ower. See Additiona Critica Iness Benefit section beow for further detais. Carcinoma in situ of the Cervix requiring treatment with hysterectomy Incuded as a separate benefit to the main pan the critica iness cover, whichever is ower. See Additiona Critica Iness Benefit section beow for further detais. Carcinoma in situ of the Testice requiring surgica remova of one or both testices Incuded as a separate benefit to the main pan the critica iness cover, whichever is ower. See Additiona Critica Iness Benefit section beow for further detais. Cardiac Arrest with insertion of a cardiac defibriator Cardiomyopathy of specified severity Cerebra Aneurysm with specified treatment Incuded as a separate benefit to the main pan the critica iness cover, whichever is ower. See Additiona Critica Iness Benefit section beow for further detais. Coma with associated permanent symptoms Coronary Artery By-Pass Grafts Creutzfedt-Jakob Disease Crohn s Disease treated with intestina resection Incuded as a separate benefit to the main pan the critica iness cover, whichever is ower. See Additiona Critica Iness Benefit section beow for further detais. Deafness permanent and irreversibe Devic s Disease with persisting cinica symptoms Encephaitis Heart Attack

6 Heart Vave repacement or repair HIV Infection caught in the European Union, North America, Austraia or New Zeaand from a bood transfusion, a physica assaut or at work Intensive Care requiring mechanica ventiation for 30 consecutive days Kidney Faiure requiring permanent diaysis Liver Faiure Loss of Hand or Foot permanent physica severance Loss of Independent Existence Loss of Speech tota, permanent and irreversibe Low Grade Prostate Cancer with specified treatment Incuded as a separate benefit to the main pan the critica iness cover, whichever is ower. See Additiona Critica Iness Benefit section beow for further detais. Major Organ Transpant from another donor Motor Neurone Disease resuting in permanent symptoms Mutipe Scerosis with current symptoms Mutipe System Atrophy Non-Maignant Pituitary Tumour with specified treatment Incuded as a separate benefit to the main pan the critica iness cover, whichever is ower. See Additiona Critica Iness Benefit section beow for further detais. Paraysis of a Limb tota and irreversibe Parkinson s Disease before age 65 resuting in permanent symptoms Primary Pumonary Hypertension of specified severity Progressive Supranucear Pasy Pneumonectomy remova of a compete ung Pumonary Artery Surgery Remova of an Eyeba Incuded as a separate benefit to the main pan the critica iness cover, whichever is ower. See Additiona Critica Iness Benefit section beow for further detais. Rheumatoid Arthritis of specified severity Severe Lung Disease of specified severity Significant Visua Impairment Incuded as a separate benefit to the main pan the critica iness cover, whichever is ower. See Additiona Critica Iness Benefit section beow for further detais. Spina Stroke resuting in permanent symptoms Stroke Structura Heart Surgery Systemic Lupus Erythematosus of specified severity Third Degree Burns covering at east 20% of the body s surface area or covering at east 20% of the surface area of the face or head Tota Permanent Disabiity before attaining age 65 Traumatic Brain Injury resuting in permanent symptoms Tota Permanent Disabiity pays out if you become totay and permanenty disabed, before age 65, because of sickness or accident. The definition of disabiity we use wi depend on your occupation and wi not change uness you are not in gainfu empoyment immediatey before the caim. You can find fu descriptions of our definitions in the pan conditions and our Guide to Critica Iness Cover booket. Pease ask your financia adviser for a copy. What ese is incuded? Additiona Critica Iness Benefit Arteriovenous Maformation (AVM) of the Brain, Badder Remova, Carcinoma in Situ of the Breast, Carcinoma in Situ of the Cervix, Carcinoma in Situ of the Testice, Crohn s Disease treated with intestina resection, Low Grade Prostate Cancer, Non-Maignant Pituitary Tumour, Remova of an Eyeba and Significant Visua Impairment are incuded as extra cover to the main pan. We wi pay the maximum of 20,000 or 20% of the critica iness cover, whichever is ower. Ony one caim can be made for each of these benefits per ife assured. Caims paid wi not affect the amount that can ater be caimed under Critica Iness Cover. This means that your insured amount remains in pace in case you suffer from a critica iness defined in the pan in the future. Chidren s Benefit When you purchase Critica Iness cover from Aviva, any natura, step or egay adopted chidren and any future chidren of the ife insured are aso covered under chidren s benefit. We pay out 50% of the critica iness amount

7 up to a maximum of 25,000 if the chid is diagnosed with a critica iness or additiona critica iness we cover (excuding Tota Permanent Disabiity). If the chid dies we pay 5,000. Cover wi start from when the chid is 30 days od and end on their 18th birthday or 21st birthday if they are in fu time education as ong as the pan is in force. By fu time education we mean attendance at a fu time course at a schoo, coege or university. This incudes pacements that are part of a fu time course, but excudes breaks from education, for exampe a gap year. The benefit is payabe once for each chid and the pan wi continue after the payment has been made so your own cover or the cover of any other chidren is not affected. What other benefits can I choose? For an extra cost the foowing options are avaiabe: Conversion Option This option aows you to change part or a of your ife insurance into another Term Assurance or Whoe of Life pan without having to provide more evidence of your heath. If you ony change part of your ife insurance, your origina pan wi continue with a reduced amount of ife insurance and a cheaper premium. Renewa option This option ets you take out a new pan when this pan ends without having to provide more evidence of your heath. To incude Conversion or Renewa options the person covered must be aged between 16 and 63 at the start of the pan and the pan must end before their 65th birthday. The Renewa option isn t avaiabe if you have chosen Critica Iness cover on a guaranteed premium basis. The Conversion option isn t avaiabe if you have chosen Critica Iness cover, either on a guaranteed or reviewabe premium basis. You wi be abe to renew your Critica Iness cover under the terms avaiabe at that time. If you don t choose to have Critica Iness cover you can choose the Conversion and/or the Renewa options. When wi the pan not pay out? We won t pay any benefit: if you fai to provide the documents and evidence to support your caim if the date of birth of any person covered by the pan has been incorrecty stated and we woud not have offered cover had we known the correct date of birth at the time of appication We might not pay any benefit: If you did not te us about an iness or condition at the appication stage, which woud have had an effect on the underwriting decision we made at the start of your pan. if you die or are diagnosed with a termina iness or critica iness after the pan has ended. if you have stopped paying your premiums and it is more than 30 days from the date your ast premium was due. We won t pay out the ife insurance amount: if a caim for termina iness benefit or critica iness benefit has aready been accepted under the pan. if you die as a resut of intentiona sef-inficted injury or committing suicide within the first 12 months of taking out your pan. We won t pay the termina iness benefit if diagnosis of termina iness occurs after the pan has ended or if you are expected to ive onger than 12 months. We won t pay a critica iness caim: if the diagnosis isn t for one of our described inesses or conditions in respect of Tota Permanent Disabiity uness we receive notice of disabiity within 13 weeks of the commencement of Tota and Permanent Disabiity if the cause of the caim is specificay excuded by any specific terms we appy to the pan when we accept the appication. If appicabe, we wi show these in the acceptance etter and pan schedue uness you are sti aive 14 days after being diagnosed as suffering from a critica iness covered by the pan. We won t pay out if a caim resuts from crimina acts or sef-inficted injury where the caim is for: Bindness Coma Deafness Loss of Hand or Foot Loss of Independent Existence Loss of Speech Paraysis of a Limb Third Degree Burns Tota Permanent Disabiity before age 65 Traumatic Brain Injury Fu detais of the excusions can be found in the Pan Conditions. We won t pay out under the Additiona Critica Iness Benefit: if the diagnosis isn t for one of our described inesses or conditions uness you are sti aive 14 days after being diagnosed as suffering from one or more of the inesses or conditions covered by the pan

8 if we have aready accepted a caim for termina iness benefit or integrated critica iness cover under the pan if the cause of the caim is specificay excuded by any specific terms we appy to the pan when we accept the appication (if appicabe we wi show these in the acceptance terms and pan schedue) We won t pay out if a caim resuts from crimina acts or sef-inficted injury where the caim is for: Remova of an Eyeba You can find fu detais of the excusions in the pan conditions We won t pay out under the Chidren s Benefit in respect of critica iness: if the diagnosis isn t for one of our described inesses uness the chid is sti aive 14 days after being diagnosed as suffering from a critica iness covered by the pan if there is a successfu caim on the main benefit within 14 days of diagnosis of the chid s critica iness if the iness resuts from a condition the chid had before he/she became covered by the pan. We won t pay out under the Chidren s Benefit in respect of a death caim: if there is a successfu caim on the main benefit prior to the chid s death We won t pay out if a caim for chidren s critica iness resuts from crimina acts or sef-inficted injury where the caim is for: Bindness Coma Deafness Loss of Hand or Foot Loss of Independent Existence Loss of Speech Paraysis of a Limb Remova of an Eyeba Third Degree Burns Traumatic Brain Injury Fu detais of the excusions can be found in the Pan Conditions. Fu detais of what is covered, and any imits to the cover, are given in the Guide to Critica Iness Cover booket. Pease ask your financia adviser for a copy. 2,000,000 is the maximum tota critica iness cover avaiabe with Aviva incuding existing cover aready in force with Aviva. 3,000,000 is the maximum tota critica iness cover avaiabe in the market incuding existing cover aready in force with Aviva or any other provider. What wi my premiums be? Your iustration shows an indication of the premium you need to pay for your chosen amount of ife insurance and critica iness cover (if chosen). This amount may change foowing competion of the underwriting process. Your premiums are based on the cover you choose and your persona circumstances. Your premiums can be paid monthy by direct debit or yeary by cheque or direct debit. Remember if you choose critica iness on a reviewabe premium basis your premium may increase. Pease see the What are the Critica Iness premium options section for more information about how this may affect you. What are the charges? We make a charge for managing the pan. The charges cover your ife insurance, any extra benefits you ve chosen and our expenses. We incude these in your premium. What if I stop paying? The pan and cover wi end 30 days after the ast payment was due. You won t get back any premiums you ve paid. What about tax? The cash sum paid on death, termina iness and critica iness is currenty free from Income and Capita Gains Tax. Death, termina iness and critica iness benefits may be subject to Inheritance Tax uness you put the pan in a suitabe trust. Pease ask us for detais on our trusts and for a copy of an expanatory booket. Tax rues may change. Your financia adviser can give you more detais about your tax position. Can I change my mind? You can change your mind within 30 days from the ater of: the day you are advised that the contract is concuded the day you receive the contract. Your pan wi continue if we don t receive your canceation notice within the 30 days. If you change your mind and cance your pan within 30 days we give you your money back. The canceation notice wi incude the address you must send it to if you change your mind about your pan. Aternativey, you can contact us at the address given overeaf.

9 How to contact us Remember, that your financia adviser wi normay be your first point of contact. They wi have provided you with information that contains their contact detais. If you have any questions at any time, you can phone, e-mai or write to us. Ca us on Monday to Friday 08:30am 5:30pm Saturday 8:30am 2pm Outside of these hours, you can use the same number and eave a message on our answerphone. We may monitor/record cas to improve our service. E-mai hepdesk@aviva.co.uk Office address: Aviva PO Box 520 Norwich NR1 3WG How to make a caim To make a caim, pease contact Aviva Life Caims Department on Aternativey, a caim can be made by caing Outside of the UK, the number woud be Other information How to compain If you ever need to compain, you can contact us at: Aviva Customer Reations PO Box 3182 Norwich NR1 3XE Te: Emai: hepdesk@aviva.co.uk If you are not satisfied with our response, you may be abe to take your compaint to the Financia Ombudsman Service. The Financia Ombudsman Service can ook at most compaints and is free to use. You do not have to accept their decision and wi sti have the right to take ega action. Their contact detais are: The Financia Ombudsman Service Exchange Tower London E14 9SR Te: Emai: compaint.info@financia-ombudsman.org.uk Website: If you are a sma business, charity or trust you may be abe to refer a compaint to the Ombudsman. Pease note that not a compaints can be deat with by the Financia Ombudsman Service. To find out more pease contact them directy.

10 Terms and conditions This Key Features document ony gives a summary of Aviva s Term Assurance (with options). You shoud aso see the fu pan conditions. You may aready have a copy or you can get one from your adviser, or you can contact us direct. Aternativey, if you are buying onine, you can obtain a copy from the website. Uness otherwise stated, your iustration assumes that we accept your proposa at our norma rates. We won t be iabe to pay any benefit unti: you ve competed a proposa form we ve issued acceptance terms and we ve received your first premium or an acceptabe method of coecting it. Pease note Law This Key Features of the Term Assurance (with options) document compies with the Association of British Insurers (ABI) Statement of Best Practice for Critica Iness cover. It is a guide to our Term Assurance Pan and is based on our understanding of current aws and tax rues. Further detais are given in the pan schedue and the pan conditions. If you d ike a copy of the ABI Guide to Critica Iness cover which provides genera information about Critica Iness cover, pease write to The Association of British Insurers, 51 Gresham Street, London EC2V 7HQ. The aw of Engand wi appy in ega disputes and your contract wi be written in Engish. We aways write and speak to you in Engish. We re reguated by the Financia Conduct Authority: The Financia Conduct Authority 25 The North Coonnade Canary Wharf London E14 5HS Cient cassification The Financia Conduct Authority has defined three categories of customer. You ve been cassed as a retai cient, which means that you be provided with the highest eve of protection provided by the Financia Conduct Authority rues and guidance. Potentia Conficts of Interest Occasions can arise where Aviva pc group Companies, or their appointed officers, wi have some form of interest in business which is being transacted. If this happens, or the Aviva Group becomes aware that its interests, or those of its officers, confict with your interests, we wi take a reasonabe steps to manage that confict of interest, in whatever manner is considered appropriate in the circumstance. This wi be done in a way which ensures a customers are treated fairy and in accordance with proper standards of business. Compensation Quaified advisers wi recommend that you buy products suitabe for your needs. You ve ega rights to compensation if at any time it s decided that you ve bought a pan that wasn t suitabe for your needs at that time. The Financia Services Compensation Scheme covers your pan. If Aviva becomes insovent and we are unabe to meet our obigations under this pan, the scheme wi normay cover you for 100% of the tota amount of an existing caim. For further information, see or teephone or We re aso reguated by the Prudentia Reguation Authority: The Prudentia Reguation Authority 20 Moorgate London EC2R 6DA

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12 Braie, arge font, audio materia You can order our iterature in Braie, arge font or audio. Just ca or emai and te us: the format you want your name and address the name or code of the document. The code is usuay in the bottom eft hand corner on the back of most documents. Aviva Life & Pensions UK Limited. Registered in Engand No Rougier Street, York, YO90 1UU. Authorised by the Prudentia Reguation Authority and reguated by the Financia Conduct Authority and the Prudentia Reguation Authority. Firm Reference Number Member of the Association of British Insurers. aviva.co.uk PT /2015 Aviva pc