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1 Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life and Critical Illness Insurance Inside you ll find full details about Tesco Life Insurance.

2 Key features of Tesco Bank Life and Critical Illness Insurance Tesco Bank Life and Critical Illness Insurance is provided by Aviva Life & Pensions UK Limited. Any references to we, us or our refer to Aviva unless stated otherwise. You can use this policy to cover up to two people usually yourself and your partner, spouse or civil partner. Once you ve taken out your policy, we will send you a policy schedule which shows what is included and who is covered. Choice of cover You can choose from two types of Tesco Bank Life and Critical Illness Insurance: Level cover This cover is often used to help pay off an interest only mortgage. It can also be used to help protect your family. The cash lump sum we ll pay stays the same throughout your policy term. Mortgage decreasing cover This cover is used to help pay off a repayment mortgage. The cash lump sum we ll pay decreases each month broadly in line with the amount outstanding on a capital and interest mortgage. It reduces by a fixed monthly interest rate. The cash lump sum can be used to help protect your family and/or your mortgage: If you want to protect your family, the cash lump sum we pay can be used to help your loved ones maintain their lifestyle. Alternatively, if you make a claim on diagnosis of a critical illness, the cash lump sum could be used to help ease money worries and allow you to concentrate on looking after yourself and enjoying time with your loved ones. If you want to protect your mortgage, the cash lump sum can be used to help pay off some, or all, of your outstanding mortgage. If this is how you want to use your policy, please make sure you read the extra information in the mortgage cover section later in the document. Its aims To pay out a cash lump sum if you die before your policy ends; or To pay out a cash lump sum if you re diagnosed with a terminal illness before the last 12 months of your policy, and you re not expected to live more than 12 months; or To pay out a cash lump sum if you are diagnosed with one of the critical illnesses we cover before your policy ends. Your commitment To answer the questions on your application correctly to the best of your knowledge. To pay us your regular premiums for a set number of years, or until you die or are diagnosed with a terminal illness or critical illness, if earlier. To tell us if any of the information you give us changes in the time between you completing your application and when we confirm that your cover will start. Risks If you don t pay your premiums, your policy and your cover will end 30 days after your last premium was due. If your policy ends because you haven t paid your premiums, you won t get any money back. If you don t give us all the information we ve asked for, or if you give us incorrect information on your application, we may not be able to pay out when you make a claim and your cover may be cancelled or amended. If you decide to end your policy, you won t get any money back as the policy has no cash-in value. Inflation will reduce what the cash lump sum can buy in the future. You should review your cover to ensure that it remains adequate over time. Key features The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information to help you to decide whether our Tesco Bank Life and Critical Illness Insurance is right for you. You should read this document carefully so that you understand what you are buying, and then keep it safe for future reference.

3 Questions and answers What is Tesco Bank Life and Critical Illness Insurance? It s an insurance policy that provides you with life and critical illness cover. Life and critical illness cover pays out a cash lump sum if you either die or are diagnosed with a critical illness that meets our policy definition and then survive for at least 14 days. We only cover the critical illnesses we define in our policy, and no others. Alternatively, we could pay out a cash lump sum if you re diagnosed with a terminal illness before the last 12 months of your policy, and you re not expected to live more than 12 months. We ll also include: Additional critical illness benefit This means you are also covered for a limited benefit if you are diagnosed with one of the specified additional critical illnesses we define in our policy. Children s critical illness benefit This means your children are covered for a limited benefit if they are diagnosed with one of the specified critical illnesses or additional critical illnesses we define in our policy. Who can take out the policy? Protection Promise (Underwriting Cover) We also include up to 90 days free life cover from the date we receive your application to when we make a decision: We ll cover you for up to 1,000,000, across all Aviva applications, or the amount of life insurance you ve asked for on your application, whichever is lower. This means that where two people have applied for life insurance, each life insured is covered for the lower of 1,000,000, or the amount being applied for. Your underwriting cover ends on the earliest of: 90 days from the date we received your application, or 10 days after we confirm our decision to accept you, or the day we postpone or decline your application. Underwriting cover is intended to provide security and protection against the unexpected. This means it doesn t provide cover if your death results from a suicide or any medical condition that you had when you applied for your policy. In addition it does not cover any critical illness. Your underwriting cover and policy will be invalid if you have not provided us with complete and accurate information on your application. It s also really important to keep us informed of any changes in your health or medical history prior to your application being accepted or Aviva providing you with our decision or starting cover. When you start your policy you must be aged between 18 and 59 and a UK resident, this excludes the Channel Islands and the Isle of Man. The policy can last between five and 40 years, but it has to stop before you reach age 76 The maximum amount of cover you can have is 2,000,000. This includes other policies with Aviva which include critical illness cover. What s included? We include life cover for you, and any other person insured on the policy. We include terminal illness benefit for you, and any other person insured on the policy. In addition, you and any other person insured on the policy are also covered for a list of specified critical illnesses defined in our policy terms and conditions. We ll automatically include children s critical illness benefit and additional critical illness benefit.

4 What critical illnesses are covered? The complete list of conditions we cover is set out below. These headings are only a guide to what is covered. The full definitions of the illnesses covered and the circumstances in which you can claim are given in the policy terms and conditions. These typically use medical terms to describe the illnesses but in some cases the cover may be limited. For example: Some types of cancer are not covered. To make a claim for some illnesses, you need to have permanent symptoms. It s important to familiarise yourself with the full definitions so that you understand them. These are included in appendix A and B in the policy terms and conditions. Critical illnesses at a glance Alzheimer s disease or pre-senile dementia before age 65 resulting in permanent symptoms Aorta graft surgery for disease or trauma Aplastic anaemia Bacterial meningitis Benign brain tumour resulting in permanent symptoms or requiring invasive surgery Benign spinal cord tumour Blindness permanent and irreversible Cancer excluding less advanced cases Cardiomyopathy of specified severity Coma with associated permanent symptoms Coronary artery by-pass grafts Creutzfeldt-Jakob disease Deafness permanent and irreversible Encephalitis Heart attack of specified severity Heart valve replacement or repair HIV infection caught in the European Union, Andorra, The Channel Islands, The Faroe Islands, Gibraltar, The Isle of Man, Liechtenstein, Norway, Monaco, San Marino, Switzerland, Vatican City, USA, Canada, Australia or New Zealand from a blood transfusion, a physical assault or at work Intensive care requiring mechanical ventilation for 30 consecutive days Kidney failure requiring permanent dialysis Liver failure Loss of hand or foot permanent physical severance Loss of independent existence Loss of speech total, permanent and irreversible Major organ transplant from another donor Motor neurone disease resulting in permanent symptoms Multiple sclerosis with persisting symptoms Multiple system atrophy Paralysis of a limb total and irreversible Parkinson s disease before age 65 resulting in permanent symptoms Pneumonectomy removal of a complete lung Primary pulmonary hypertension of specified severity Progressive supranuclear palsy Pulmonary artery surgery Rheumatoid arthritis of specified severity Severe lung disease of specified severity Stroke resulting in permanent symptoms Structural heart surgery Systemic lupus erythematosus of specified severity Third degree burns covering at least 20% of the body s surface area or covering at least 20% of the surface area of the face or head Total permanent disability before age 65 A full definition of Total permanent disability can be found in appendix A of the Policy Terms and Conditions. Traumatic brain injury resulting in permanent symptoms

5 Additional critical illnesses covered Carcinoma in situ of the breast requiring surgery to remove the tumour Crohn s disease treated with intestinal resection Low grade prostate cancer Removal of an eyeball Significant visual impairment What else is included? with specified treatment Additional critical illness benefit Carcinoma in situ of the breast, Crohn s disease, low grade prostate cancer, removal of an eyeball and significant visual impairment are included as extra cover to the main benefits. We ll pay out 20,000 or 20% of the life insurance amount, whichever is lower, where you are diagnosed with a specified additional critical illness that we cover, and survive for at least 14 days after meeting the relevant definition. Only one claim can be made for each of these additional critical illnesses by a life insured. Claims paid will not affect the amount that can be later claimed under the critical illness benefit. Children s critical illness benefit Your children (natural, step or legally adopted) as well as any future children aged between 30 days and their 18th birthday or 21st birthday if in full time education, at the time of diagnosis are also covered if they suffer a critical illness or additional critical illness covered by your policy. We cover children for the same illnesses listed apart from total permanent disability. We ll pay out 25,000 or 50% of the life insurance amount, whichever is lower, where your child is diagnosed with a specified critical illness that we cover, and survives for at least 14 days after meeting the relevant definition. We can only pay out once for each child but your policy will continue after we ve made a payment so that your cover, and the cover for any other child, carries on. Other benefits that can be included: If we accept your policy on our standard terms, it will automatically include a range of other features. Life change benefit If your circumstances change, our life change benefit lets you take out more cover without giving us any extra underwriting information. You can increase your sum insured by up to 100%. The maximum additional amount you can take out is 200,000 or the original sum insured, whichever is lower. You can use the life change benefit whenever your circumstances change before you reach age 55, or the additional cover you have reaches the maximum sum insured, outlined above. You can use this benefit for the following life changes: Getting married or entering into a civil partnership Divorce, dissolution of civil partnership or separation Buying your first home Moving house Improving your home Buying a second home Having or adopting a child Your child/children starting higher education Salary increase of 20% or more. The new policy we set up with the additional cover for life change benefit: Can be on a level or decreasing cover basis Can be on one or both lives, if the original policy is held jointly If the original policy is on a single life basis, this must be for the same life insured Does not have to be the same term as the original policy Must end before your 70th birthday Will be a life insurance policy or life insurance and critical illness insurance policy Will include separation benefit, if held jointly with another person Won t include the life change benefit or the replacement benefit Can t be taken out if you re making a claim or are eligible to make a claim for terminal illness benefit, critical illness benefit, additional critical illness benefit, or death benefit. If you want to use our life change benefit, you will need to do this within 90 days of your life change event and we ll need evidence of what s changed. For example, in the case of having a child, we ll need to see a birth certificate. The new policy(s) will be subject to the premium rates in force at the time of the application for your age, and policy terms and conditions applicable when you take out the new policy(s). Replacement benefit If you ve got a joint policy, the policy will end when one of you dies or you claim on diagnosis of a critical illness or terminal illness, and we pay out. However, by using the replacement benefit, the remaining policyholder can take out a new single policy without any further underwriting.

6 You can only use this benefit before you reach age 55 and within 90 days of the claim being accepted. The new policy: Can cover you for your original sum insured or up to 50,000, whichever is lower Can be on a level or decreasing basis Can t end later than the original policy but can end earlier Won t include the life change, replacement or separation benefit Won t include critical illness. Can t be taken out if the remaining life insured is claiming or is eligible to claim for terminal illness benefit, critical illness benefit, or additional critical illness benefit. The new policy will be subject to the premium rates in force at the time of the application for your age, and policy terms and conditions applicable when you take out the new policy. Separation benefit If you ve got a joint policy, you can use our separation benefit to divide it into two single policies if you separate. For example, if you took out the joint policy to cover your mortgage, you can split it into two policies to cover new mortgages. You can only use this benefit before you reach age 55 and within 90 days of your separation. The new policies: Can be on a level or decreasing cover basis Can include critical illness cover. Can cover each of you for up to the same amount as the original policy Do not have to be the same term as the original policy Must end before your 70th birthday Won t include the life change benefit Can t be taken out if you re making a claim or are eligible to make a claim for terminal illness benefit, critical illness benefit, additional critical illness benefit or death benefit. If you want to use the separation benefit, you ll need to give us evidence of the separation and/or the changes to your mortgage. The new policies will be subject to the premium rates in force at the time of the application for your age, and policy terms and conditions applicable when you take out the new policies. Can I make changes to my policy? Your policy offers some flexibility, so this means that you can change: how long you want your cover to last the amount, and type, of cover you ve got Depending on the type of change you make, we may change or replace your original policy, or you may have to take out a new policy. We may also need you to give us some medical information. You should review your cover to ensure that it remains adequate over time. 3 When will the policy pay out? If you die before the policy ends, or If you ve got 12 months or more left on your policy and you re diagnosed with a terminal illness; with less than 12 months to live; or If you re diagnosed with a critical illness that meets our policy definition before the policy ends and survive for at least 14 days; or If you re diagnosed with an additional critical illness that meets our policy definition before the policy ends and survive for at least 14 days: or If a child is diagnosed with a critical illness or additional critical illness that meets our policy definition and survives for at least 14 days. We will only pay out the main benefit once, so if you make a claim for death, terminal illness or critical illness, your policy will end. If a claim is paid for children s critical illness or additional critical illness your policy will continue. 7 When will the policy not pay out? We won t pay out if: You don t provide the requested documents or evidence to support your claim. You haven t paid your premiums. You gave us incorrect or incomplete information on your application, if this affects the cover we provide. You die outside of the policy term. We won t pay a critical illness or additional critical illness claim if: The claim is for a critical illness or additional critical illness which we don t cover.

7 The claim is for one of the critical illnesses or additional critical illnesses listed below and results from criminal acts or self-inflicted injury: Blindness Coma Deafness Loss of hand or foot Loss of independent existence Loss of speech Paralysis of a limb Removal of an eyeball Third degree burns Traumatic brain injury Total permanent disability before age 65. You are diagnosed with a critical illness or additional critical illness outside of the policy term. You, or in the case of children s critical illness, the child, dies within 14 days of being diagnosed with a critical illness or additional critical illness. In the case of additional critical illness, the policy has ended due to a successful claim for the life insured for death, terminal illness or critical illness In addition, we won t pay a child s critical illness claim if: The child s critical illness or additional critical illness was present at birth, whether diagnosed or not. The child had symptoms of the critical illness or additional critical illness before they were covered by the policy. The policy has ended due to a successful claim for the life insured for death, terminal illness or critical illness We won t pay a terminal illness claim if: You re diagnosed with a terminal illness in the last 12 months of your policy and/or you re expected to live for more than a year. What will my premiums be? Your illustration gives you an idea of how much you ll need to pay for the amount of life and critical illness cover you ve chosen. This amount may change when we ve made our final decision on your application. Your premiums are based on the cover you choose and your personal circumstances. You pay your premiums monthly by Direct Debit. Guaranteed premiums Your premiums are guaranteed to stay the same throughout your policy term. What about tax? The cash lump sum we pay out on death, terminal illness and critical illness (including additional critical illness and children s critical illness) is currently free from income and capital gains tax. It may be subject to inheritance tax unless you put your policy in a suitable trust. For details of our trusts, please call for our explanatory brochure. Tax rules may change in the future. Can I change my mind? You can change your mind within 30 days from the later of: The day we confirm when your cover will start The day you receive your policy schedule. If you decide you don t want the policy, we ll give you your money back, if you change your mind within 30 days. You ll be sent a cancellation notice which will include a phone number that you can call and an address you can send it to if you change your mind about your policy. Alternatively, you can contact us at the Aviva address given overleaf. Your policy will continue if we don t receive your cancellation notice within 30 days. If you cancel your policy after 30 days you won t get any premiums back. Mortgage cover If you re using your policy to cover your mortgage and you have taken decreasing cover, it will automatically include: Repayment Guarantee We guarantee that the cash sum we pay will pay off the outstanding mortgage amount covered by the policy when you die or make a claim on diagnosis of a terminal illness, or critical illness, if all of the following apply: The yearly mortgage interest rate at the time the policy is taken out is under 10%. The difference between the life cover amount and the outstanding mortgage is due solely to a higher rate of interest being charged on the mortgage than the interest rate used in our calculations. The amount of cover at the start of the policy is at least the size of the mortgage (or the part of the mortgage the policy covers). This policy does not end before your mortgage. This is called the Repayment Guarantee.

8 Protection Promise (house purchase cover) We ll automatically give you free life insurance cover between when you exchange contracts and when your house purchase is completed. (In Scotland we will provide the free cover from when missives are completed for the property until the date of entry.) Your cover will begin once you ve been accepted and have given us a start date (the date of completion), provided that you have exchanged contracts. On completion of the purchase, your house purchase cover will end and your policy should start (or in Scotland, the date of entry). house purchase cover ends on the earlier of: 90 days from the date it started Completion The start date of the policy. We ll cover you for up to 1,000,000, the amount of life insurance you ve asked for on your application or the purchase price of the house as confirmed when contracts are exchanged, whichever is lower. How to contact us To speak to someone about your policy If you want to get in touch with us you can call, or write: Call us (Monday to Friday, 8:00 am 8.00 pm and Saturday 9.00 am 2.00 pm) Outside of these hours, you can use the same number and leave us a message. We monitor calls to improve our service. us at Write to us at: Customer Services PO Box 520 Norwich NR1 3WG To make a claim Call our Life Claims Department on Alternatively, we can be contacted on Outside of the UK, the number would be To make a complaint If you ever need to complain you can: Call us on us at Write to us at: Aviva Customer Relations PO Box 3182 Norwich NR1 3XE If you re not satisfied with the response from Tesco Bank or Aviva, you may be able to take your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service can look at most complaints and is free to use. You do not have to accept their decision and will still have the right to take legal action. Their contact details are: The Financial Ombudsman Service Exchange Tower London E14 9SR Call or to: Website:

9 Other important information Terms and conditions This key features document only gives a summary of Tesco Bank Life and Critical Illness Insurance. You should also read the policy terms and conditions. Please contact us for a copy. This key features document complies with the Association of British Insurers (ABI) Statement of Best Practice for critical illness cover. It is a guide to Tesco Bank Life and Critical Illness Insurance and is based on our understanding of current laws and tax rules. Further details are given in the policy schedule and policy terms and conditions. If you d like a copy of the ABI Guide to Critical Illness cover which provides general information about critical illness cover, please write to The Association of British Insurers, 51 Gresham Street, London EC2V 7HQ. Compensation Financial Services Compensation Scheme (FSCS) We are covered by the FSCS. If we cannot meet our obligations you may be entitled to compensation under the scheme. You can get more details directly from the FSCS online at or by contacting them at: Financial Services Compensation Scheme 10th Floor, Beaufort House 15 St Botolph Street London EC3A 7QU Tel: or Fax: Law The law of England will apply in legal disputes and your contract will be written in English. We ll always write and speak to you in English. We re regulated by the Financial Conduct Authority: The Financial Conduct Authority 25 The North Colonnade Canary Wharf London E14 5HS We re also regulated by the Prudential Regulation Authority: The Prudential Regulation Authority 20 Moorgate London EC2R 6DA Potential conflicts of interest There may be times when Aviva plc group companies or our appointed officers have some form of interest in the business being transacted. If this happens or we become aware that our interests, or those of our officers, conflict with your interests, we ll take all reasonable steps to manage that conflict of interest. We ll do this in a way that treats all customers fairly and in line with proper standards of business. Client classification The Financial Conduct Authority has defined three categories of customer. You ve been treated as a retail client, which means that you ll get the highest level of protection provided by the Financial Conduct Authority rules and guidance.

10 Braille, large font, audio material, text phone You can order our literature in Braille, large font or audio. Just call or and tell us: the format you want your name and address the name or code of the document. The code is usually at the bottom of the page on the back of most documents. To contact Customer Services using a text phone, please call The Customer Call Centre is open Monday to Friday, 8.00 am to 8.00 pm, and Saturday from 9.00 am to 2.00 pm. Tesco Bank Life and Critical Illness Insurance is provided by Aviva Life & Pensions UK Limited. Registered in England No Rougier Street, York, YO90 1UU. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number Member of the Association of British Insurers. TB /2015

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