AIG Life. Business Protection Term Assurance. Key Facts

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1 AIG Life Business Protection Term Assurance Key Facts

2 Contents Page Welcome to AIG 3 Section A: About Business Protection A1 What is Business Protection? 4 A2 Business Protection aims 4 A3 How does Business Protection - Term Assurance work? 4 A4 Your commitment 5 A5 Risk factors 5 Section B: The cover and the benefit B1 When will we pay a claim? 6 B2 How much will we pay? 6 B3 Waiver of Premium 6 Section C: Questions about your insurance C1 Frequently asked questions 7 C2 Other information 11 This document is available in other formats. If you would like a Braille, large print or audio version, please contact us: Customer Services, AIG Life Limited, PO Box 12010, Harlow CM20 9LG Telephone: (calls are charged at standard rates from a BT landline but may cost more via mobiles and other networks). If calling from outside the UK, please call We are open Monday to Thursday, 8.30am to 8pm and Friday, 8.30am to 5.30pm, except bank holidays. Please note these opening hours are UK local time. We may record or monitor calls to make sure we have an accurate record of the instructions we are given, for training purposes, to improve the quality of our service and to prevent and detect fraud. AIG Business Protection Term Assurance Key Facts 2

3 Welcome to AIG American International Group, Inc. (AIG) is a leading international insurance organisation serving customers in more than 130 countries and jurisdictions. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. AIG Life Limited is the life insurance arm of AIG in the UK, Channel Islands, Isle of Man and Gibraltar. We provide financial and practical support for individuals, families and businesses when illness or injury threatens their life, lifestyle or livelihood. We recognise the value in the Financial Conduct Authority initiative of Treating Customers Fairly. We believe that if we treat you, our customer, fairly at all stages, then this will enhance our core values and lead to better service. Therefore we are committed to ensuring that we embed the principles of Treating Customers Fairly within every aspect of our business. About this Key Facts document If you re thinking about taking out AIG Business Protection - Term Assurance, this booklet should be able to answer any questions you might have. But if there s anything that isn t clear or you have any questions, please speak to your financial adviser or call us on (calls are charged at standard rates from a BT landline but may cost more via mobiles and other networks). If calling from outside the UK, please call This Key Facts document is a brief guide to the cover we offer and does not set out the full terms and conditions of AIG Business Protection - Term Assurance - these are available in the Cover Details from your financial adviser or by calling us on (if calling from outside the UK, please call ) or ing us at This document is based on our understanding of current law and tax rules in the UK (different rules may apply in the Channel Islands, Isle of Man or Gibraltar). Regardless of where you currently live, if you re thinking of taking out an insurance policy, it s a good idea to get expert advice from a financial adviser who can look at your personal circumstances and help you make the decision that s right for you. Contacting us by telephone Whenever you call us for any reason we may record or monitor phone calls in order to make sure we have an accurate record of the instructions we are given. We may also record or monitor phone calls for training purposes, to improve the quality of our service and to prevent and detect fraud. Who provides Business Protection - Term Assurance? Business Protection - Term Assurance is provided by AIG Life Limited. We specialise protection insurance - such as life insurance, critical illness cover and income protection. Who can take out Business Protection - Term Assurance? AIG Business Protection - Term Assurance is only available to businesses registered in the United Kingdom, Channel Islands, Isle of Man and Gibraltar and can only provide cover in respect of people resident in the United Kingdom, Channel Islands, Isle of Man or Gibraltar, aged 17 up to 86. AIG Business Protection Term Assurance Key Facts 3

4 Section A: About Business Protection A1 What is Business Protection? Business Protection covers you or your business against the financial impact of death or terminal illness, in one insurance plan. It provides you with the flexibility to choose different types of cover for different amounts and terms within the same policy. The plan can be adapted to meet your future business needs. Business Protection can be taken out to protect Key Person in your business; or for Shareholder or Partnership protection; or for Business Loan protection. If the sum paid out under Business Protection - Term Assurance forms part of your estate, it may not be free of inheritance tax. Cover held by the trustees of a trust should not normally form part of the estate for Inheritance Tax purposes. There is a potential Inheritance Tax charge when benefits are paid out of a trust (known as exit charges ) or on every tenth anniversary(s) of the creation of the trust (known as periodic charges ). Benefits payable to businesses may be subject to corporation tax depending on the purpose of the cover and the person it is paid to. We cannot advise whether a trust is suitable in any particular circumstances or give tax advice in relation to the use of trusts and would recommend that you take professional advice before. A2 Business Protection - Term Assurance aims To pay a lump sum if the person covered: dies; or suffers a terminal illness - where life expectancy is less than 12 months. A3 How Business Protection - Term Assurance work? The amount of cover When you take out Business Protection - Term Assurance, you decide how much cover you want. This amount is called the sum assured. This is the amount we pay if the person covered dies or is diagnosed with a terminal illness. You decide whether you want the sum assured to stay at the same level for the term of your cover, increase each year, or decrease each month. Increasing it each year could help to protect the sum assured against the effects of inflation. Your premium will increase to pay for the extra cover. A decreasing sum assured is sometimes chosen by people who want to cover the amount outstanding on a business loan. If you choose a decreasing sum assured, your premium will remain level. The term of the cover The term of the cover is how long the cover lasts. You choose the term of the cover. The Waiver of Premium option may end sooner than the term of the cover. Covering yourself or another person in your business You can take out Business Protection Term Assurance to cover yourself or another person within the business - known as the person covered. If you are taking out cover on another person, additional conditions apply. Please see the Cover Details for more information. You or your in this document means the owner of the cover or, where appropriate, their legal successors - unless a different meaning is given. Please see the Cover Details for more information. Covering one person or covering two people AIG Business Protection - Term Assurance is designed to pay out a lump sum when the personcovered dies or is diagnosed with a terminal illness (where life expectancy is less than 12 months) during the term of the cover. Cover for one person is called single life. AIG Business Protection Term Assurance Key Facts 4

5 It is possible to protect two people by choosing joint life cover. While either person covered can claim under joint life cover, benefit is only payable once. After we have paid the benefit for one of the people covered, joint life cover stops. For a full explanation of the effect of each decision on the cover, please see the Cover Details. A4 Your commitment When you apply for Business Protection - Term Assurance, you commit to: pay regular monthly or yearly premiums throughout the term of your cover; give us accurate, complete and true information when you apply for cover; give us any medical or other evidence that we ask for; tell us if you, the business or the person covered changes a name, address or bank account; tell us immediately if any of the information in the Cover Summary or Application Details we send you or the person covered is wrong. A5 Risk factors Business Protection - Term Assurance only protects you against events that happen to the person covered during the term of your cover. If something happens to the person covered outside the term, they won t be covered. Your Cover Summary shows what is covered and for how long. If you don t regularly review the cover in line with the needs of the business, you may have more or less cover than you need. Over time, inflation will reduce the spending power of the sum assured. To help protect your cover against this effect, you can choose to set it up with a sum assured that increases by 5% each year. If the cover has an increasing sum assured, the premium will be reviewed annually and will increase by a higher percentage than that of the sum assured, because the amount of the increase of the premium will depend on the age of the person covered and the remaining term of the cover at that time. If you have a business loan and you choose decreasing Business Protection - Term Assurance and you choose an interest rate that does not meet or exceed the rate you are paying on your loan, the sum assured we will pay for a successful claim may not meet the outstanding amount of the loan. If the first premium is not paid, the cover won t start and the person covered won t be insured. If a subsequent premium is missed and it remains unpaid for more than 30 days from the date it was due to be collected, we will cancel your cover and the person covered will no longer be insured. A claim for terminal illness can only be made where the person covered has been diagnosed with one year or less to live. If the consultant cannot determine this, or expects death to occur more than one year after diagnosis, then we will not pay the claim. For joint life cover, if one person covered makes a successful claim for the sum assured, Business Protection - Term Assurance will stop. The other person will therefore no longer have Business Protection - Term Assurance cover. There are other circumstances in which we won t pay a claim. There s more information on these in section C of this booklet and in the Cover Details. Your cover will not have a surrender value at any time. AIG Business Protection Term Assurance Key Facts 5

6 Section B: The cover and the benefit Business Protection - Term Assurance pays a lump sum if the person covered dies or is diagnosed with a terminal illness during the term of the cover. B1 When will we pay a claim? When we will pay a claim depends on the cover shown in the Business Protection - Term Assurance Cover Summary. What s shown in the Business Protection - Term Assurance Cover Summary Single Life Joint life When we will pay a claim We will pay the sum assured if, during the term of the cover, the person covered: dies; or is diagnosed with an illness which meets our definition of terminal illness. After we have paid one claim, the cover stops. We will pay the sum assured if, during the term of the cover, the person covered: dies; or is diagnosed with an illness which meets our definition of terminal illness. After we have paid one claim, the cover stops. B2 How much will we pay? We will pay the current sum assured as a lump sum. Once we have paid the sum assured, the cover stops. B3 Waiver of Premium If you include Waiver of Premium in the cover, we will waive the Business Protection - Term Assurance premiums if the person covered is incapacitated for longer than 26 weeks. The remainder of this section only applies where Waiver of Premium is included in the Cover Summary. How we define incapacitated depends on whether the person covered is in paid work, and what kind of work they do. For a full definition of incapacitated, please see the Cover Details. For joint life cover, you can choose Waiver of Premium for one or both of the people covered. How long will we waive your premium for? We will stop waiving your premium when the earliest of the following happens: the person covered no longer meets the definition of incapacitated that applied when they first claimed; or they die; or we have paid the benefit for terminal illness; or the cover ends or the Waiver of Premium end date as shown in the Cover Summary is reached if this is earlier. While we are waiving a premium, we can ask the person covered to see a doctor or health specialist of our choice, to help us confirm whether they still meet the definition of incapacitated that applies to them. We will only continue to pay the benefit beyond 26 weeks of the person covered becoming incapacitated if they are resident in the UK, Channel Islands, Isle of Man or Gibraltar. AIG Business Protection Term Assurance Key Facts 6

7 Section C: Questions about your insurance C1 Frequently asked questions Q. How much cover can I apply for? A. There is no maximum sum assured but we may require further information before we agree to cover large amounts. You also need to demonstrate that the amount of the cover is relevant to your insurable interest in the person covered. Q. When will the cover not pay out? A. There are specific circumstances in which we won t pay a claim. We will not pay a claim if: you, the person covered or their personal legal representatives do not give us medical or other evidence that we ask for; or the diagnosis of the person covered does not meet our definition of being incapacitated or having a terminal illness, or for terminal illness the diagnosis is not made by a consultant or is not expected to lead to death within 12 months; or we find the person covered, owner of the cover or any representative of the business has given us inaccurate, incomplete or false information which would have affected our decision to offer this cover, or would have led us to offer it with different conditions; or the cover is no longer active; or the claim is caused by something that we have specifically excluded from this cover - this will be shown on the Cover Summary. Q. How flexible is AIG Business Protection - Term Assurance cover? A. Under AIG Business Protection - Term Assurance cover, you can choose: the sum assured; whether the sum assured stays at the same level throughout the term of your cover, increases by 5% of the current sum assured each year, or decreases in line with the capital outstanding on a loan; the term of the cover; whether to take out single life cover, for one person, or joint life cover, for two people with the claim payable once; and whether to include Waiver of Premium. Q. What if I change my mind and want to cancel my cover? A. When your cover starts, we will send you information about your right to change your mind and cancel your cover. You have 30 days from the date you receive this information to cancel your cover. If you cancel your cover in this time we will refund any premiums you ve paid to us, unless we have paid you a benefit before you cancel. You can stop your cover at any other time. Once you tell us, your cover will end on the day before your next monthly premium is due. If you are paying annual premiums, your cover will end on the day before the next monthly anniversary of the cover. We will retain the cost of any full (or partial) months of cover up to the date of cancellation and will refund any balance of the annual premium. Q. Once my cover starts, can I change it? A. There are many ways that you can change your cover to make sure that it is still meeting your needs. These are fully explained in the Cover Details. The options that increase the sum assured are not available to everyone. This could be because, for example, someone has a particular medical condition when they apply for cover. If the option isn t available, it doesn t mean that you can t ask us to make the increase, it just means that we won t automatically say yes. We might have to find out some more about the person covered before we can make a decision. The Cover Summary will show whether these options are available. AIG Business Protection Term Assurance Key Facts 7

8 In addition, you can chose to: reduce the sum assured; increase the term of the cover; reduce the term of the cover; stop and restart annual increases; change your premiums from annual to monthly and vice versa. How these changes affect what you pay If the sum assured or term of a cover increases, the premium of the cover will increase. If you set up a cover with an increasing sum assured, the amount you pay will increase each year to pay for the extra cover. If you then change to a level sum assured, the premium will remain at the level it was when you made the change. If you restart the annual increase, the premium will increase again. If the sum assured or term of a cover reduces, it may reduce the premium. How these changes affect the terms and conditions If you change the amount or the term of the cover, it may affect the terms and conditions of your cover. Q. How much will my cover cost? A. The amount of your monthly or yearly premium will be shown on the Business Protection - Term Assurance Cover Summary we send you when your cover starts. Q. What if I stop paying? A. If the first premium is not paid, the cover will not start and the person covered won t be insured. If a subsequent premium is missed, we will write to you to let you know. If it remains unpaid for more than 30 days from the date it was due to be collected, we will cancel your cover and you will no longer be covered. If we cancel the cover because a premium was not paid, you can ask us to restart it up to six months after the date of the first missed premium. We will have no obligation to restart a cover and if you ask us to do this, we will decide at our discretion if we are willing to restart the cover. If we are, we will tell you what we need in order to restart the cover and you must clear any premium arrears. There may be circumstances when we reserve the right not to restart a cover. If this happens, we will explain our decision. Q. Can the premium change in the future? A. The premium that you pay will only change if: you ask for a change to the cover; or we have accepted a Waiver of Premium claim - in which case the person paying the premium will pay less or nothing; or Waiver of Premium cover ends; or you or the person covered has misstated their age; or you have chosen an increasing sum assured - in which case your premium will increase annually. The amount of the increase will be by a higher percentage than that of the sum assured, because the amount of the increase of the premium will depend on the age of the person covered and the remaining term of the cover at that time. We will write to tell you what the additional premium will be. You can tell us that you do not want the increase. If you do this, we will keep the sum assured at its current level. AIG Business Protection Term Assurance Key Facts 8

9 Q. How do I, the business or my legal representatives make a claim? A. Please tell us as soon as you or your legal representatives think you need to make a claim. You or your legal representatives can: call us on (calls are charged at standard rates from a BT landline but may cost more via mobiles and other networks). If calling from outside the UK, please call , or us at or write to us at Claims Team, AIG Life Limited, PO Box 12010, Harlow CM20 9LG. We are open Monday to Friday, from 9.00am to 5.00pm, except for bank holidays. Please note these opening hours are UK local time. A claims adviser will explain the process and what information we ll need. There is more information about claiming your benefit in the Cover Details. Q. Who will you pay? A. We will pay the sum assured to the person or the business legally entitled to receive it. Who this will be depends on the nature of the claim, the circumstances at the time and whether the cover has been assigned or put under trust. Under key person protection, we will pay the owner of the cover which may be a company, limited liability partnership (LLP), a partner or sole trader. Under partnership protection, a partner could take out an own life plan and place it in trust for the other partners. If so, we will pay the trustees. Under share protection, the plan may be written in trust. If so, we will pay the trustees. For business loan protection, we will pay the owner of the cover which may be a company, limited liability partnership (LLP), a partner or sole trader. Normally we will pay the owner of the cover or their legal representatives, if the owner of the cover has died. Legal representatives need to send us the original Grant of Representation, Letters of Administration or Confirmation before we can pay a claim. If the owner of the cover has instructed us to pay someone else by a deed of assignment, we will pay this assignee. Assignees need to send us the original deed of assignment before we can pay a claim to them. If the cover is under trust, we will pay the Trustees. When a plan is subject to a trust, Trustees need to send us the original Trust Deed and any deeds altering the trust before we can pay a claim. We will return these when we pay the claim. Q. How can I contact you? A. You can: phone us on (calls are charged at standard rates from a BT landline but may cost more via mobiles and other networks). If calling from outside the UK, please call , or us at or write to us at AIG Life Limited, PO Box 12010, Harlow CM20 9LG. We are open Monday to Thursday, 8.30am to 8.00pm, and Friday 8.30am 5.30pm, except bank holidays. Please note these opening hours are UK local time. AIG Business Protection Term Assurance Key Facts 9

10 Q. How do I make a complaint? A. If you have a complaint, please contact Customer Services at the following address: AIG Life Limited, PO Box 12010, Harlow CM20 9LG. Telephone: (calls are charged at standard rates from a BT landline but may cost more via mobiles and other networks). If calling from outside the UK, please call We are open Monday to Thursday, 8.30am to 8.00pm, and Friday 8.30am 5.30pm, except bank holidays. Please note these opening hours are UK local time. We will try to resolve complaints as quickly as possible. If we can t deal with your complaint promptly, we will send you a letter to acknowledge it and then give you regular updates until it is resolved. We are committed to resolving complaints through our own complaints procedures. However, if a matter cannot be resolved satisfactorily, you may be able to refer your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service helps settle disputes between consumers and financial firms. Their service is independent and does not cost you anything. They can decide if we have acted wrongly and if you have lost out as a result. If this is the case they will tell us how to put things right and whether we have to pay you compensation. Some businesses may not be eligible to complain to the Financial Ombudsman Service if they exceed a certain number of employees or have an annual turnover in excess of the Ombudsman s limits. If a complaint is made, we will send a leaflet explaining more about the Financial Ombudsman Service which includes information on the current eligibility requirements. The leaflet is also available at any time on request. Alternatively, the Ombudsman can be contacted at the following address: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9SR. Telephone: (calls to this number are normally free for people ringing from a fixed line phone but charges may apply if you call from a mobile phone) or (calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs). If calling from outside the UK, please call Website: If you make a complaint, it will not affect your right to take legal proceedings. AIG Business Protection Term Assurance Key Facts 10

11 C2 Other information The Law The Law of England and Wales will apply to this cover. Language All our communications with you now, and throughout the term of the Plan, will be in English. Financial Services Compensation Scheme The Financial Services Compensation Scheme (FSCS) is designed to pay compensation if a firm is unable to pay claims, because it has stopped trading or been declared in default. Before looking to pay compensation, the FSCS will first see if they can arrange for your current policy to be maintained. They may arrange for your policy to be transferred to another insurer or provide a new policy. If this is not possible, the FSCS aims to provide compensation. Most of our customers, including most individuals and small businesses, are covered by the FSCS. Whether or not you can claim, and the amount you could claim, will depend on the specific circumstances of your claim. The FSCS will pay 100% of the value of the claim. There is no upper financial limit on the amount of the payment. You can find out more about the FSCS, including eligibility to claim, by visiting its website Alternatively, you can contact the Financial Services Compensation Scheme at the following address: Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU Telephone: or If calling from outside the UK, please call Please be aware that the rules of the FSCS may change in the future, or FSCS may take a different approach on their application of the above, depending on the circumstances. Personal information we collect Personal information we may collect about the owner of the cover or the person covered and their dependants includes: General identification and contact information; Family details; Sensitive information such as health and lifestyle details; Other sensitive information such as racial / ethnic origin, religious or other beliefs, sexual life, criminal proceedings outcomes and sentences, offences / alleged offences; and Financial details: bank account details and other financial information. How we use your personal information We may use the personal information provided to us to: Make decisions about whether to provide insurance and to provide insurance and assistance services (such as claim assessment, claim processing and claim settlement); Administer the policy, assess and pay claims, and general customer service activities (including complaint resolution and claims disputes); Detect, prevent and investigate financial crime activities; Carry out market research and analysis; Comply with applicable laws and regulatory obligations (including those outside your country of residence); and Market products and services of the AIG Group, unless you have specifically asked us not to in the application. We will retain this personal information for the period necessary to fulfil the purposes outlined above unless a longer retention period is required or permitted by law. AIG Business Protection Term Assurance Key Facts 11

12 Where we may get personal information from We may get personal information about the person covered or the owner of the cover from them, their financial adviser, or from other sources - for instance their doctor. We may ask their doctor for information before we offer cover. We may also get a report from their doctor or telephone them for more information after the cover has started. If we find that we have been given incomplete, inaccurate or false information, we do not receive the report from their doctor or they are unavailable for interview, we reserve the right to cancel the cover within 13 weeks. Who we will share personal information with We may share personal information about the person covered or owner of the cover solely for the purposes listed above in How we use your personal information with certain named third parties. These third parties are: AIG Group companies: AIG Life Limited is a member company of American International Group, Inc. As such, we have group companies throughout the world, both inside and outside Europe (for example, in the USA); Our reinsurers (a list of these reinsurers can be provided on request); Our external third party service providers; Their financial adviser; Their own doctor and other medical consultants; Legal and regulatory bodies; Law enforcement and fraud prevention agencies; and Other insurance companies or organisations. Giving us information about another person If you or the person covered gives us information about another person, you confirm the other person has consented to the processing of their personal data. You and the person covered also confirm you have informed the other person of our identity and the purposes for which we will use their personal data. If the person covered or the owner of the cover would like more information about how we will use their personal information or they would like to choose how they get marketing communications from us, they can contact us as detailed on page two. AIG Business Protection Term Assurance Key Facts 12

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16 AIG Life Limited. Telephone If calling from outside the UK, please call Registered in England and Wales. Number Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. AIG Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The registration number is EDCO

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