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1 INSURANCE KEY FEATURES OF: INCOME PROTECTION BENEFIT PLAN This is an important document which you should keep in a safe place.

8 8 LEGAL & GENERAL PROTECTION PLANS KEY FEATURES WORKING EXAMPLE SCENARIO 1 Peter earns 28,000 a year. He can take out an Income Protection Benefit Plan for 60% of his annual gross income: ( 28,000 60%) = 16,800 This figure is then divided by 12 to work out the maximum monthly benefit that Peter can take out: ( 16,800 12) = 1,400 Therefore, Peter decides to take out a policy with a monthly benefit of 1,400 and a deferred period of 26 weeks. A few years later, Peter suffers an illness and is unable to work. At claim, we calculate the maximum monthly benefit based on Peter s new salary, which has reduced to 22,400 a year. The maximum monthly benefit based on Peter s new salary is: ( 22,400 60% = 13,440 12) 1,120 per month. However, due to the Income Guarantee, we will pay him his chosen monthly benefit of 1,400 per month. If Peter receives any continuing income, we would need to take this into account. For example, if Peter has continuing income of 500 per month, then we would deduct 60% of this amount ( 300) from the monthly benefit as calculated at claim: 1, = 1,100 Therefore Peter would receive a monthly benefit of 1,100. The Income Guarantee means that we will pay Peter a monthly benefit, which when added to his continuing income, guarantees he will receive the monthly benefit amount on his policy of 1,400. If Peter is still claiming a monthly benefit when his continuing income stops altogether the monthly benefit we pay will increase up to the maximum benefit limit of 1,400 per month. This is the monthly benefit on Peter s policy. Original salary Monthly benefit chosen Salary at claim stage Maximum monthly benefit available at claim stage Monthly benefit payable (due to Income Guarantee) Continuing income (60% of gross) Monthly benefit payable after continuing income deducted 28,000 1,400 22,400 1,120 1, ,100 Please note: These figures are for illustrative purposes only.

9 LEGAL & GENERAL PROTECTION PLANS KEY FEATURES 9 WORKING EXAMPLE SCENARIO 2 Sarah earns 32,500 a year. She can take out an Income Protection Benefit Plan for 60% of her annual gross income: ( 30,000 60%) ( 2,500 x 50%) = 19,250 This figure is then divided by 12 to work out the maximum monthly benefit that Sarah can take out: ( 19,250 12) = 1,604 Therefore, Sarah decides to take out a policy with a monthly benefit of 1,600 and a deferred period of 26 weeks. A few years later, Sarah suffers an illness and is unable to work. At claim, we calculate the maximum monthly benefit based on Sarah s new salary, which has reduced to 26,000 a year. The maximum monthly benefit based on Sarah s new salary is: ( 26,000 60% = 15,600 12) 1,300 per month. However, because Sarah s chosen monthly benefit was greater than 1,500, with the Income Guarantee, we will pay her a monthly benefit of 1,500 per month. If Sarah receives any continuing income, we would need to take this into account. For example, if Sarah has continuing income of 500 per month, then we would deduct 60% of this amount ( 300) from the monthly benefit as calculated at claim: 1, = 1,200 Therefore Sarah would receive a monthly benefit of 1,200. The Income Guarantee means that we will pay Sarah a monthly benefit, which when added to her continuing income, guarantees that she will receive a monthly benefit of 1,500. If Sarah is still claiming a monthly benefit when her continuing income stops altogether the monthly benefit we pay will increase up to the maximum benefit limit of 1,500 per month. Original salary Monthly benefit chosen Salary at claim stage Maximum monthly benefit available at claim stage Monthly benefit payable (due to Income Guarantee) Continuing income (60% of gross) Monthly benefit payable after continuing income deducted 32,500 1,600 26,000 1,300 1, ,200 Please note: These figures are for illustrative purposes only.

13 LEGAL & GENERAL PROTECTION PLANS KEY FEATURES 13 HOSPITALISATION BENEFIT LIFE COVER Automatically included at no extra cost. WHAT IS COVERED? We ll cover you if you have to stay in hospital for more than seven consecutive nights during your deferred period. We ll pay 1/30th of your monthly benefit for each night, from the 8th consecutive day you spend in hospital. The maximum we ll pay out is 150 per night. These payments will continue until you leave hospital, your deferred period ends, after 13 weeks of hospital stay, your policy ends or you die, whichever is earliest. If you select the Low Cost Option, Hospitalisation Benefit will count towards your maximum claim period of five years. If Stepped Benefit is chosen, then the benefit will be based on the first deferred period and the first level of monthly benefit. Automatically included at no extra cost. WHAT IS COVERED? If you die during the length of the policy then we ll pay out an amount equal to your annual premium or 12 times the monthly premium (not the monthly benefit) being paid at the time of your death.

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