Tesco Bank Over 50 s Life Assurance. Policy terms and conditions

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1 Tesco Bank Over 50 s Life Assurance Policy terms and conditions

2 Policy terms and conditions These policy terms and conditions describe your policy, including: our obligations to you your cover claims conditions your obligations to us These policy terms and conditions provide you with information you need to know about your Tesco Bank Over 50 s Life Assurance policy. It is important that you read them carefully along with your policy schedule. If a claim is to be made, these policy terms and conditions will be useful, so please keep them somewhere safe. Should you have any questions or queries about your policy then call us on and we will be pleased to help you. You ll see some words shown in bold type which are defined terms and have specific meanings when used in this document. The meanings of these words are shown in the definitions section at the front. We will always act fairly, in good faith and in a reasonable manner towards you when dealing with your policy and when applying these policy terms and conditions. We encourage you to tell us whenever you feel we have not done so. This commitment is an overriding principle and you should read each of the sections in these policy terms and conditions in light of this commitment. Tesco Bank Over 50 s Life Assurance is provided by Aviva Life & Pensions UK Limited. Contents Definitions 3 Summary of benefits 4 Entitlement to the death benefit 4 Claims conditions 5 General conditions 5

3 Definitions Throughout these policy terms and conditions certain words are shown in bold type. These are defined terms and have specific meanings when used. The meanings of these words are set out below. Accidental death Death resulting from bodily injury caused directly by accidental, external, violent and visible means and not as a direct result of the life assuredõs sickness, disease or physical disorder. Anniversary date The anniversary of the start date. Application The application that you made and that we have accepted. Life assured This is the person whose life is being covered and in the event of their death a claim could be made. Natural causes Sickness, disease or physical disorder. Policy This Tesco Bank Over 50 s Life Assurance policy. Policyholder The person named as policyholder in the policy schedule or any other person who becomes the legal owner of the policy. Premium The monthly amount you will be required to pay in order for the death benefit to be maintained. Premiums must be paid by Direct Debit instruction from a current bank or building society account in the United Kingdom, Channel Islands or Isle of Man. Your policy has a monthly policy fee which is included in your premium. Premium due date The day each month on which premiums are due. Premium term This is the period you will be required to pay premiums in order for the cover to be maintained and will be confirmed in your policy schedule. Start date The date shown in the policy schedule on which cover under this policy starts. Sum assured The amount payable under this policy in the event of a claim which we accept. The amount payable is set out in your policy schedule. We/our/us Aviva Life & Pensions UK Limited (company registration number ). You/your The person named as policyholder in the policy schedule or any other person who becomes the legal owner of the policy. Policy schedule This will show the specific details of your policy, such as who it covers, the amount covered and how much it will cost. Policy terms and conditions This document which forms a contract of insurance with the policyholder providing the cover under the policy as agreed. The application and policy schedule also form part of the contract and must be read together with these policy terms and conditions.

4 Summary of benefits These policy terms and conditions are written confirmation of a contract between Aviva Life & Pensions UK Limited and the policyholder. In return for the payment of the agreed premiums we will pay the death benefit in accordance with the policy terms and conditions. The death benefit available under this policy is set out in the table and will be payable in the event of a claim which we accept. The table provides a brief summary of the death benefit available under this policy. It is important to read the information in this table alongside these policy terms and conditions and policy schedule. Death benefit We will pay the death benefit if, before the first anniversary date of the policy, the life assured dies as a result of natural causes. We will pay the death benefit if, on or after the first anniversary date of the policy, the life assured dies as a result of natural causes. We will pay the death benefit if, before the first anniversary date of the policy, the life assured dies as a result of accidental death. We will pay the death benefit if, on or after the first anniversary date of the policy, the life assured dies as a result of accidental death. Amount payable An amount equal to the premiums paid under this policy prior to the date of death. The sum assured as set out in the policy schedule less any unpaid premiums. The sum assured as set out in the policy schedule less any unpaid premiums. An amount equal to two times the sum assured as set out in the policy schedule less any unpaid premiums. Entitlement to the death benefit We will pay the death benefit when the life assured dies and we have accepted a claim. The policy has no cash-in value at any time. Death benefit If, before the first anniversary date of the policy, the life assured dies as a result of natural causes and we have accepted the claim, we will pay an amount equal to the premiums paid under this policy prior to the date of death. If, on or after the first anniversary date of the policy, the life assured dies as a result of natural causes and we have accepted the claim, we will pay the sum assured as set out in the policy schedule, less any unpaid premiums. If, before the first anniversary date of the policy, the life assured dies as a result of accidental death and we have accepted the claim, we will pay the sum assured as set out in the policy schedule, less any unpaid premiums. If, on or after the first anniversary date of the policy, the life assured dies as a result of accidental death and we have accepted the claim, we will pay an amount equal to two times the sum assured as set out in the policy schedule, less any unpaid premiums. However, we will pay the death benefit payable for natural causes and not accidental death in the following circumstances: if the life assured is living outside 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 at the time of death or if we reasonably determine that the death of the life assured is caused directly or indirectly as a result of the life assured s use or involvement in any of the following: Criminal act Alcohol or drug misuse Flying Self-inflicted injury or suicide Hazardous pursuits Taking part in a criminal act Including, but not limited to the following: consuming too much alcohol taking an overdose of drugs, where the dosage is not taken in accordance with a lawful prescription taking Controlled Drugs (as defined by the Misuse of Drugs Act 1971) other than in accordance with a lawful prescription Flying, except as a passenger in a commercially licensed aircraft Intentional self-inflicted injury or suicide Engaging in motor sports (including motorcars, motorcycles and speedboats) Mountaineering in which the use of ropes or guides is needed Potholing Diving using artificial breathing apparatus We will only pay the death benefit on one occasion and once this is paid the policy will cease.

5 Claims conditions Our requirements We will make payment of the death benefit provided we receive such proof as we may reasonably require of: (i) the occurrence of an event on which any benefit is payable (for example a death certificate) (ii) the claimant having legal ownership of the policy (iii) the date of birth of the life assured (iv) our completed claim form (v) evidence to prove to the satisfaction of our Chief Medical Officer that the death of the life assured was accidental death. Such evidence may include, but is not limited to: Coroner s interim death certificate Police report List of missing persons Airline flight passenger manifest Information from parties involved General conditions Premiums a. Premiums for your policy must be paid monthly by Direct Debit instruction from a current bank or building society account in the United Kingdom, Channel Islands or Isle of Man. b. The initial monthly premium payable and the date it is due are shown in the policy schedule. Subsequent premiums will be due on the premium due date. You are allowed 30 days from each premium due date for the payment of each premium. If a claim arises during this period, the unpaid premium will be deducted from any death benefit payable. If a premium is not paid within the 30 day period following the premium due date the policy will be cancelled and the death benefit under it will cease. c. Premiums will be payable for the premium term and will be confirmed in the policy schedule. d. All premiums due to us must be made in the currency of the United Kingdom. Premium limits The number of Tesco Bank Over 50 s Life Assurance policies, taken out with Aviva, you can hold is subject to a maximum monthly premium of 100 per life assured. Any policies issued in excess of this limit will be regarded as invalid and as a result cancelled. If we have to cancel your policy as a result of this 100 limit being exceeded we will refund the premiums paid, without interest. If we cancel your policy the policy will end and the death benefit under it will cease. Policy term This policy is a whole of life policy and cover will be provided until a claim for the death benefit is made, provided that all premiums are paid during the premium term. Change of address If you, or the life assured, change address you should tell us. Acceptance of instructions We will not accept any instruction, request or notice from you until we receive the information and documentation that we may reasonably require in order to administer the policy. We will make our requirements clear to you. Cancellation When you start your policy you will receive a cancellation notice which will confirm your 30 day cooling off period in which time you may cancel the policy and receive a refund of any premiums paid. After this time, the policy may be cancelled by you by providing your written consent to us at our administrative offices. We will not refund premiums paid if you cancel your policy outside of the cooling off period. If you cancel your policy the policy will end and the death benefit will cease. Alterations a. We may change the terms of the policy for any of the following reasons: (i) To respond, in a proportionate manner, to changes in the way we administer policies of this type. (ii) To respond, in a proportionate manner, to changes in technology or general practice in the life and pensions industry. (iii) To respond, in a proportionate manner, to changes in taxation, the law or interpretation of the law, decisions or recommendations of an Ombudsman, regulator or similar person, or any code of practice with which we intend to comply. (iv) To correct errors, if it is fair and reasonable to do so. If we consider any variation to these conditions is to your advantage or is necessary to meet regulatory requirements, we may make the change immediately and will tell you at a later date. We will tell you in writing of any change we consider is to your disadvantage (other than any change necessary to meet regulatory requirements) at least 60 days before the change becomes effective, unless external factors beyond our control mean that only a shorter notice period is possible. If we change the terms of the policy and you are unhappy with the change then you will be able to cancel your policy. We will not refund premiums paid if you cancel your policy. If you cancel your policy the policy will end and the death benefit will cease.

6 b. If the date of birth of a life assured has been incorrectly stated, the death benefit payable under your policy, in the event of a valid claim, will be amended by us having regard to the true date of birth. We will advise you of any amendments we make. If the true date of birth is such that, had it been known by us at the time the policy was applied for, the life assured would have fallen outside of the prescribed age limits to be eligible for the policy, then the policy cannot continue. In such circumstances the policy would be cancelled with no death benefit payable and we would advise you of the cancellation. Premiums would be refunded without interest. c. We rely on the information given to us. If any of the information given to us is not true or not complete and this might reasonably have affected our decision to provide the policy, then we may: (i) change the terms of the policy Law This policy is issued in England under English law. 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 8am to 8pm, and Saturday from 9am to 2pm. (ii) amend the premiums due under the policy; or (iii) cancel the policy and refund the premiums paid without interest. If we cancel your policy the policy will end and the death benefit will cease. Third party rights This policy does not give any rights to any person other than the policyholder and Aviva Life & Pensions UK Limited. No other person shall have any rights to rely on any terms under the policy. The policyholder and Aviva Life & Pensions UK Limited may amend or cancel this policy without reference to, or the consent of, any other person. General a. If ownership of the policy is transferred to someone else (an assignment), we must be in receipt of the written notice of assignment before any payment can be made. b. The policy schedule records details of the policy at the start date. Any alteration resulting in a change to your policy may not be reflected in the policy schedule. In this event, we will record such changes. c. Where appropriate words in the masculine include the feminine and words in the singular include the plural and vice versa. Tesco Bank Over 50 s Life Assurance 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. aviva.co.uk TB /2015

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