Critical Illness Insurance Options

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Critical Illness Insurance Options"

Transcription

1 Critica Iness Insurance Options Poicy Summary Critica Iness Insurance Options This summary tes you the key things you need to know about our Critica Iness Insurance Options poicy. It doesn t give you the fu terms of the poicy. You can find these in our poicy conditions. In this summary, we assume you re the poicyhoder and ife covered. However, it s possibe to use our Critica Iness Insurance Options poicy to cover the ife of someone ese. When you take out a poicy, we send you a poicy schedue. You shoud read this carefuy because it shows what s incuded on your poicy. If something isn t incuded on your poicy, it may be because you didn t seect it, it wasn t avaiabe for you to seect, or you seected it but we ve excuded it due to underwriting. Critica Iness Insurance Options is provided by Aviva Life & Pensions UK Limited. What is Critica Iness Insurance Options? Critica Iness Insurance Options pays out if you are diagnosed with a critica iness that meets our poicy definition and survive for at east 10 days. We ony cover the critica inesses we define in our poicy and no others. It doesn t pay out if you die. You can use our Critica Iness Insurance Options poicy to cover one person (singe poicy) or two peope (joint poicy). The poicy wi ony pay the cover amount once. So when we ve paid a caim. The poicy wi end. How ong does the poicy ast? The poicy can ast between five and 50 years. The poicy term can be in fu years or unti you reach a specific age. For reviewabe premiums, the poicy has to end before you turn 91 and the minimum term is six years. For guaranteed premiums, the poicy has to end before you turn 76. For tota permanent disabiity or waiver of premium, your poicy has to end before you turn 71. For the renewa option, your poicy has to end before you turn 65. What do I need to do? You must answer a of our appication questions competey, truthfuy and accuratey. If you don t, we may amend or cance your poicy, or we may not pay a caim. You need to te us if any of the information you ve given us changes between competing your appication and us confirming when your poicy wi start. You need to pay a your premiums. You need to reguary review the cover you ve got to make sure it meets your needs. What types of cover can I choose? You can choose from three types of cover: GN /2014 The poicy has no cash-in vaue at any time. Can I appy for a Critica Iness Insurance Options poicy? You can appy if you re: a permanent resident of the UK., Channe Isands, Ise of Man or Gibratar. aged between 18 and 64. Leve cover The cover is paid as a ump sum and stays the same throughout the poicy term. Decreasing cover The cover amount is paid as a ump sum and decreases each month broady in ine with a repayment oan using a fixed interest rate. The interest rate used is seectabe when you appy. Famiy income cover We pay the cover amount as monthy instaments which stop at the end of your poicy term. for the renewa option aged between 18 and 59 (ony avaiabe with guaranteed premiums). page 1 of 5

2 Which critica inesses do you cover? We ve isted the conditions our Critica Iness Insurance Options poicy covers. This ist is ony a guide to what s covered. You can find the fu definition of the inesses, and the circumstances in which you can caim, in our poicy conditions. The definitions typicay use medica terms to describe the inesses but, in some cases, they may aso imit the cover. For exampe, some types of cancer are not covered. Aso, for some inesses, you need to have permanent symptoms to make a caim. Azheimer s disease or pre-senie dementia resuting in permanent symptoms Aorta graft surgery for disease or trauma Apastic anaemia Bacteria meningitis Benign brain tumour resuting in permanent symptoms or requiring invasive surgery Benign spina cord tumour Bindness permanent and irreversibe Cancer excuding ess advanced cases Cardiac arrest with insertion of a cardiac defibriator Cardiomyopathy of specified severity Coma with associated permanent symptoms Coronary artery by-pass grafts Creutzfedt-Jakob disease Deafness permanent and irreversibe Devic s disease with persisting cinica symptoms Encephaitis Heart attack Heart vave repacement or repair HIV infection caught in the European Union, Andorra, the Channe Isands, the Faroe Isands, Gibratar, the Ise of Man, Liechtenstein, Norway, Monaco, San Marino, Switzerand, Vatican City, USA, Canada, Austraia or New Zeaand from a bood transfusion, a physica assaut or at work Intensive care requiring mechanica ventiation for 10 consecutive days Kidney faiure requiring permanent diaysis Liver faiure Loss of hand or foot permanent physica severance Loss of speech tota, permanent and irreversibe Major organ transpant from another donor Motor neurone disease resuting in permanent symptoms Mutipe scerosis where there have been symptoms Mutipe system atrophy Paraysis of a imb tota and irreversibe Parkinson s disease resuting in permanent symptoms Pneumonectomy remova of a compete ung Primary pumonary hypertension of specified severity Progressive supranucear pasy Pumonary artery surgery Rheumatoid arthritis of specified severity Severe ung disease of specified severity Spina stroke resuting in permanent symptoms Stroke Structura heart surgery Systemic upus erythematosus of specified severity Termina iness where death is expected within 12 months 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 Traumatic brain injury resuting in permanent symptoms Additiona critica iness benefit Our Critica Iness Insurance Options poicy incudes additiona critica iness benefit. If, during the poicy term, you re diagnosed with an iness that meets one of our additiona critica iness definitions and survive for at east 10 days, we pay the foowing: Carcinoma in situ of the breast requiring surgery to remove the tumour Low-grade prostate cancer with specified treatment Arteriovenous maformation (AVM) of the brain with specified treatment Badder remova Carcinoma in situ of the cervix requiring treatment with hysterectomy Carcinoma in situ of the testice requiring surgica remova of one or both testices Cerebra aneurysm with specified treatment Crohn s disease treated with intestina resection Non-maignant pituitary tumour with specified treatment Remova of an eyeba Ucerative coitis treated with tota coectomy The ower of 25,000 or 25% of the cover amount The ower of 20,000 or 20% of the cover amount. page 2 of 5

3 Each person covered by the poicy can caim for each of these conditions once. Caiming for additiona critica iness benefit won t affect what we pay on a successfu caim for critica iness in the future, we sti pay the fu cover amount. For famiy income cover, we pay 20% or 25% of the monthy cover amount mutipied by the number of months eft on the poicy, up to a maximum of 20,000 or 25,000. Chidren s benefit Critica Iness Insurance Options aso incudes a chidren s benefit which covers a your chidren (natura, step and egay adopted) aged between 30 days and their 18th birthday, or 21st birthday if they re in fu time education. Making a successfu caim for chidren s benefit won t affect your poicy; you sti be abe to caim for critica iness in the future. Chidren s critica iness cover If, during the poicy term, any of your chidren are diagnosed with one of the critica inesses we cover (not incuding termina iness or tota permanent disabiity) and survive for at east 10 days, we pay the ower of 25,000 or 50% of the cover amount. For famiy income cover, we pay 50% of the monthy cover amount mutipied by the number of months eft on the poicy term, up to a maximum of 25,000. We won t pay out for chidren s critica iness if the: critica iness was present at birth (whether diagnosed or not) chid had symptoms of the critica iness before they were covered by the poicy. For more information, pease read the poicy conditions. Chidren s death benefit If any of your chidren die during the poicy term, we pay 5,000. We pay the chidren s death benefit on top of any payment we make for chidren s critica iness. We pay chidren s critica iness benefit and chidren s death benefit once for each chid. What ese is incuded on the poicy? Life change benefit If your circumstances change, our ife change benefit ets you increase your cover by taking out a new poicy without answering any further medica questions. This benefit is ony avaiabe if we accept your poicy on our standard terms. Your poicy schedue wi confirm if it s incuded. You can use this benefit for the foowing important ife changes: Getting married or entering into a civi partnership. Divorce, dissoution of civi partnership or separation. Becoming a parent. A mortgage increase due to a house move, purchase or major home improvements. A saary increase foowing a promotion or change of empoyer. You can increase your cover amount to the ower of: 200,000 for eve and decreasing cover the equivaent of 8,000 a year for famiy income cover the origina amount of cover you had at the start of your poicy. There are some imits on using the ife change benefit. For fu detais, pease read the poicy conditions. Separation benefit This benefit is ony avaiabe if we accept your poicy on our standard terms. Your poicy schedue wi confirm if it s incuded. You can spit a joint poicy into two singe poicies if you separate or rearrange your mortgage into one name. The cover amount on each new poicy can be up to the current cover amount on your origina poicy when you use the benefit. You won t need to answer any medica questions. You need to provide evidence of the separation/change in mortgage. For more information, pease read the poicy conditions. What other benefits can I choose? Depending on the type of cover you choose, you may be abe to add the foowing options to your poicy: Waiver of premium If you choose waiver of premium, we pay your premiums if you can t work because you re i or injured. To take it out, you must be empoyed. However, if you become unempoyed or decide to become a houseperson after you ve taken it out, you wi sti be abe to caim. If you have a joint poicy, you can add waiver of premium for one or both peope covered. We appy a deferred period before we start paying your premiums foowing a successfu caim. You can choose your deferred period at the start of your poicy. This can either be one, three or six months. When the deferred period ends, we start paying your premiums if you can t work. Or, if you re unempoyed or a houseperson, we start paying if you can t perform at east two work tasks. You can find more information on work tasks in the poicy conditions. page 3 of 5

4 We stop paying your premiums when one of the foowing happens: We confirm which assessment criteria we use in your poicy schedue. Your poicy ends. You go back to work. You are no onger i or injured. You can find more information on work tasks in the poicy conditions. Premiums Increasing cover If you have eve cover or famiy income cover, you can choose to automaticay increase your cover amount each year without answering any further medica questions. Index-inked increasing cover Avaiabe with eve cover. Your cover amount wi increase each year in ine with the change in the Retai Prices Index (RPI) up to a maximum of 10%. Your premiums wi increase in ine with your cover amount. Fixed increasing cover Avaiabe with eve cover and famiy income cover. For eve cover you can choose to increase your cover amount by 3 or 5%. Your premiums wi increase in ine with your new cover amount. For famiy income cover you can choose to increase your cover amount by 3 or 5%. Your premiums wi stay the same. If you make a successfu caim, we continue to increase your monthy instaments each year unti the end of your seected term. For both options on eve cover, you can choose not to increase your cover if you don t want to pay higher premiums. If you do this, your cover amount, and your premiums, wi stay the same. We reinstate the increasing cover option the foowing year. If you decide against the increase three times in a row, we remove the option from your poicy. Renewa option Avaiabe with eve cover. You can renew your cover at the end of the poicy term without having to answer any medica questions. This option isn t avaiabe with reviewabe premiums or the increasing cover option. The renewa option is ony avaiabe if we accept your poicy at standard terms. Tota permanent disabiity Tota permanent disabiity pays out the fu cover amount if you have an iness or injury that means you re unabe to: do your own occupation ever again; or Your premiums can either be guaranteed or reviewabe. Guaranteed premiums wi stay the same throughout the poicy term uness you change your poicy, or choose increasing cover. If you choose reviewabe cover, it s ikey your premiums wi change during the course of the poicy. We review your premiums every five years to determine if you re paying the right amount for your cover. If foowing the review your premium needs to change, we assess the change fairy. We won t ook at your persona circumstances for exampe, age, heath and ifestye. We wi consider the foowing factors when reviewing your cover: The impact of medica advances and trends which may affect our expectation of future caims. Industry deveopments and caims experience. Changes to egisation, taxation and reguation. The amount, timing and cost of current and future caims. Foowing a review your premiums may increase or decrease. There are no imits on how much your premium can change by. We write to you to et you know the outcome of our review at east 30 days before your anniversary date. Foowing a review: If the change is ess than 2% or 50p, your premium wi stay the same. If your premium goes down, we automaticay change your Direct Debit. If your premium goes up, you have two options: You can pay the increased premium. We automaticay change your Direct Debit. You can keep your premium the same and reduce your cover amount. If you want to do this, you need to et us know. If you don t, we increase your premium. Can I make changes to my poicy? You can remove the optiona benefits and increase or decrease the amount of cover you have. If you do, we may change or repace your origina poicy. Or, we may issue a new poicy. You may need to give us some medica information. For more information, pease read the poicy conditions. perform three or more specific work reated tasks ever again. page 4 of 5

5 When won t the poicy pay out? The poicy won t pay out if: you die you re diagnosed with an iness which isn t defined in our poicy Emai us on Write to us at Aviva, PO Box 520, Norwich, NR1 3WG. your poicy ends because you haven t paid your premiums you cance your poicy you haven t answered a the questions on the appication competey, truthfuy, and accuratey you re diagnosed with a critica iness outside of the poicy term. What if I want to compain? You can: Ca us on From outside the UK, the number is Lines are open Mon to Fri 8:30am 5:30pm and Saturday 8:30am 2:00pm. Emai us on How to make a caim Ca our caims department on From outside the UK, the number is Lines are open Mon to Fri 8:30am 5:30pm. What about tax? In the UK, the payments we make are free from income and capita gains tax. If you ive in Gibratar, we have to te you that no tax reief is aowabe on premiums. Normay no tax is payabe on the payments we make. Wherever you ive, we d aways recommend that you get independent financia advice. This is because your individua circumstances can affect your tax position. Pease remember that tax rues may change in the future. Can I change my mind? Starting from the date you get your poicy schedue, or the day we confirm when your cover wi start (whichever is the ater), you get 30 days to change your mind. If you cance within this period, we refund any premiums you ve paid. If you want to cance the poicy after 30 days you can, but you won t get any money back. How do I contact you about my poicy? If you have one, your financia adviser wi usuay be your first point of contact. If you haven t, you can get in touch with us: Ca us on From outside the UK, the number is Lines are open Mon to Fri 8:30am 5:30pm and Saturday 8:30am 2:00pm. Write to us at Aviva Customer Reations, PO Box 3182, Norwich, NR1 3XE. If you re not satisfied with the way we ve deat with your compaint, you can contact the Financia Ombudsman. Ca them on or Emai them on Write to them at Financia Ombudsman Service, Exchange Tower, London, E14 9SR. This won t affect your ega rights. Law We write your contract in Engish and the aw of Engand wi appy in any ega dispute. We aways write and speak to you in Engish. Compensation Our Critica Iness Insurance Options poicy is covered by the Financia Services Compensation Scheme. If we become insovent and we can t meet our obigations under this poicy, the scheme may cover you for 100% of any successfu caim you make. For more information on this scheme, pease visit or ca 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 page 5 of 5 AL /2015 (b) Aviva pc

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

Key Features of the Term Assurance (with options) For use in business protection planning Key Features of the Term Assurance (with options) For use in business protection panning Term Assurance (with options) Key features The Financia Conduct Authority is a financia services reguator. It requires

More information

Key Features of Life Insurance

Key Features of Life Insurance Key Features of Life Insurance Life Insurance 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

More information

Life Insurance Options

Life Insurance Options Life Insurance Options Policy summary Life Insurance Options This summary tells you the key things you need to know about our Life Insurance Options policy. It doesn t give you the full terms of the policy.

More information

Business Life Insurance Options

Business Life Insurance Options Business Life Insurance Options Policy summary Business Life Insurance Options This summary tells you the key things you need to know about our Business Life Insurance Options policy. It doesn t give you

More information

Life Insurance Options

Life Insurance Options Life Insurance Options Policy Summary Life Insurance Options This summary tells you the key things you need to know about our Life Insurance Options policy. It doesn t give you the full terms of the policy.

More information

Relevant Life Insurance

Relevant Life Insurance Relevant Life Insurance Policy summary Relevant Life Insurance This summary tells you the key things you need to know about our Relevant Life Insurance policy. It doesn t give you the full terms of the

More information

Income Protection Options

Income Protection Options Income Protection Options Poicy Conditions Introduction These poicy conditions are written confirmation of your contract with Aviva Life & Pensions UK Limited. It is important that you read them carefuy

More information

Your Policy Conditions

Your Policy Conditions 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. Key features of

More information

Key Features of Term Assurance with Critical Illness

Key Features of Term Assurance with Critical Illness Key Features of Term Assurance with Critical Illness Key Features of Term Assurance with Critical Illness The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give

More information

Your Policy Conditions

Your Policy Conditions 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. Key features of

More information

Key Features of Mortgage Life Insurance

Key Features of Mortgage Life Insurance Key Features of Mortgage Life Insurance Key Features of Mortgage Life Insurance The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information

More information

Key Features of Mortgage Life Insurance

Key Features of Mortgage Life Insurance Key Features of Mortgage Life Insurance Key Features of Mortgage Life Insurance The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information

More information

Key Features of Mortgage Life Insurance

Key Features of Mortgage Life Insurance Key Features of Mortgage Life Insurance Improvements to our critical illness cover We are pleased to tell you that we ve added to our critical illness cover. The plan now includes improved critical illness

More information

Early access to FAS payments for members in poor health

Early access to FAS payments for members in poor health Financia Assistance Scheme Eary access to FAS payments for members in poor heath Pension Protection Fund Protecting Peope s Futures The Financia Assistance Scheme is administered by the Pension Protection

More information

Income Protection Solutions. Policy Wording

Income Protection Solutions. Policy Wording Income Protection Soutions Poicy Wording Wecome to Aviva This booket tes you a you need to know about your poicy, incuding: what to do if you need to caim what s covered, and expanations of some of the

More information

Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover

Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover FLIP/4569/Mar15 This policy summary gives you important information about the Friends Life Individual Protection Critical

More information

Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover

Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover FLIP/4569/Mar15 This policy summary gives you important information about the Friends Life Individual Protection Critical

More information

AA Critical Illness with Life Cover Policy Summary

AA Critical Illness with Life Cover Policy Summary AA Critical Illness with Life Cover Policy Summary The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life and Pensions Limited, to give you important

More information

CRACKING GOOD COVER. Protection Personal Menu. royallondon.com

CRACKING GOOD COVER. Protection Personal Menu. royallondon.com CRACKING GOOD COVER Protection Personal Menu royallondon.com WHAT S INSIDE A summary of our protection covers 4 Cover for you, your partner or both of you 5 Life Cover 6 Critical Illness Cover 7 The full

More information

Life Insurance. Customer Information Brochure

Life Insurance. Customer Information Brochure Customer Information Brochure Life Insurance Asteron Life Limited ABN 64 001 698 228 465 Victoria Avenue Chatswood New South Waes 2067 Issued 1 Juy 2003 Expires 10 March 2004 Issue No 1 You shoud read

More information

Income Protection Solutions. Policy Wording

Income Protection Solutions. Policy Wording Income Protection Soutions Poicy Wording Wecome to Aviva This booket tes you a you need to know about your poicy, incuding: what to do if you need to caim what s covered, and expanations of some of the

More information

Key facts of AA Life Insurance with Critical Illness Cover

Key facts of AA Life Insurance with Critical Illness Cover Key facts of AA Life Insurance with Critical Illness Cover The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life Limited, to give you important

More information

For customers Friends Life Individual Protection. Childcover benefit

For customers Friends Life Individual Protection. Childcover benefit For customers Friends Life Individual Protection Childcover benefit Helping to protect the whole family Most parents don t want to think about what would happen if their child became critically ill. However,

More information

OUR BUSINESS MENU PLAN

OUR BUSINESS MENU PLAN KEY FACTS OF OUR BUSINESS MENU PLAN Protection Business Menu Important information you should read WHAT S INSIDE See if our plan is right for you 3 The aims of our plan 3 Your commitment 4 The risks 4

More information

Group Income Protection. Technical Guide

Group Income Protection. Technical Guide Group Income Protection Technica Guide Aviva By choosing Aviva, part of the UK s argest insurance group, you benefit from our financia strength. Together with miions of customers wordwide you can fee certain

More information

Level, Renewable and Family Income Protection Key Features

Level, Renewable and Family Income Protection Key Features Level, Renewable and Family Income Protection Key Features Lifetime Protection from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority

More information

OUR PERSONAL MENU PLAN

OUR PERSONAL MENU PLAN KEY FACTS OF OUR PERSONAL MENU PLAN Important information you should read Protection Personal Menu WHAT S INSIDE See if our plan is right for you 3 The aims of our plan 3 Your commitment 4 The risks 4

More information

Key features of Tesco Bank Over 50 s Life Assurance

Key features of Tesco Bank Over 50 s Life Assurance Key features of Tesco Bank Over 50 s Life Assurance Key features of Tesco Bank Over 50 s Life Assurance Tesco Bank Over 50 s Life Assurance is provided by Aviva Life & Pensions UK Limited. Any references

More information

Key features of Skandia Protect

Key features of Skandia Protect Key features of Skandia Protect Flexible life and critical illness cover The Financial Conduct Authority is a financial services regulator. It requires us, Skandia, to give you this important information

More information

Combined Life & Critical Illness Protection Guaranteed Premiums. Policy Summary

Combined Life & Critical Illness Protection Guaranteed Premiums. Policy Summary Combined Life & Critical Illness Protection Guaranteed Premiums Policy Summary Combined Life & Critical Illness Protection Guaranteed Premiums Policy Summary In this summary, we try to help you by giving

More information

The guaranteed selection. For certainty in uncertain times

The guaranteed selection. For certainty in uncertain times The guaranteed seection For certainty in uncertain times Making the right investment choice If you can t afford to take a ot of risk with your money it can be hard to find the right investment, especiay

More information

Welcome Insurer Life Insurance Critical Illness beaglestreet.com

Welcome Insurer Life Insurance Critical Illness beaglestreet.com Your Policy Summary Welcome We ve sent you this Policy Summary as a comprehensive guide to our products and because the Insurer is required to do so by the Financial Conduct Authority. This important information

More information

For customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more.

For customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more. For customers Friends Life Individual Protection Critical Illness Cover Critical Illness Cover It s critical illness. And more. It s critical illness. And 2 it s designed with your needs in mind. it covers

More information

Critical illness conditions covered

Critical illness conditions covered For financial adviser use Critical illness conditions covered Provider Alzheimer s Disease age 65 age 60 Aorta graft surgery for disease Benign brain tumour Blindness permanent and irreversible Cancer

More information

Pay-on-delivery investing

Pay-on-delivery investing Pay-on-deivery investing EVOLVE INVESTment range 1 EVOLVE INVESTMENT RANGE EVOLVE INVESTMENT RANGE 2 Picture a word where you ony pay a company once they have deivered Imagine striking oi first, before

More information

For customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more.

For customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more. For customers Friends Life Individual Protection Critical Illness Cover Critical Illness Cover It s critical illness. And more. It s critical illness. And 2 it s designed with your needs in mind. it covers

More information

Elixia 123 Personal Critical Illness Cover

Elixia 123 Personal Critical Illness Cover Elixia 123 Personal Critical Illness Cover Key Features Your questions answered unum.co.uk Elixia 123 Personal Critical Illness Cover Key Features - your questions answered This key features document

More information

Low Start Critical Illness with Term Assurance Key Facts

Low Start Critical Illness with Term Assurance Key Facts Low Start Term Assurance Key Facts Contents Section A: About Low Start Page A1 What is Low Start? 4 A2 Low Start s aims A3 How does Low Start - Critical 4 Illness with Term Assurance work? A4 Your commitment

More information

Policy Summary of Critical Illness with Life Cover

Policy Summary of Critical Illness with Life Cover Policy Summary of Critical Illness with Life Cover This policy summary contains key information about Friends Life Individual Protection Critical Illness with Life Cover. You should read this carefully

More information

AA Fixed Rate ISA Savings

AA Fixed Rate ISA Savings AA Fixed Rate ISA Savings For the road ahead The Financia Services Authority is the independent financia services reguator. It requires us to give you this important information to hep you to decide whether

More information

about our eselect Protection Life or Earlier Critical Illness Cover

about our eselect Protection Life or Earlier Critical Illness Cover about our eselect Protection Life or Earlier Critical Illness Cover We set out the main points about our eselect Protection Life or Earlier Critical Illness Cover below. Your personal illustration shows

More information

Protect. Flexible life and critical illness cover

Protect. Flexible life and critical illness cover Key features of Protect Flexible life and critical illness cover The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information

More information

Critical Illness. Policy Summary

Critical Illness. Policy Summary Critical Illness Policy Summary This summary gives you an overview of our Critical Illness product. For full details, including all the terms and conditions, please read the LV= Critical Illness Policy

More information

Your Policy Conditions

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

More information

Combined Life & Critical Illness Protection Guaranteed Premiums. Policy Summary

Combined Life & Critical Illness Protection Guaranteed Premiums. Policy Summary Combined Life & Critical Illness Protection Guaranteed Premiums Policy Summary Combined Life & Critical Illness Protection Guaranteed Premiums Policy Summary In this summary, we try to help you by giving

More information

Combined Life & Critical Illness Protection Reviewable Premiums. Policy Summary

Combined Life & Critical Illness Protection Reviewable Premiums. Policy Summary Combined Life & Critical Illness Protection Reviewable Premiums Policy Summary This summary gives you an overview of our Combined Life & Critical Illness Protection product. For full details, including

More information

Taking care of tomorrow

Taking care of tomorrow Friends Life Protection Account Critical Illness Cover Guide Taking care of tomorrow Critical Illness Cover Taking care of tomorrow Friends Life Critical Illness Cover is here for you through whichever

More information

THE MARKET AT A GLANCE.

THE MARKET AT A GLANCE. 1 BUSINESS PROTECTION SETTING UP BUSINESS PROTECTION POLICIES CRITICAL ILLNESS COVER COMPETITOR COMPARISON THE MARKET AT A GLANCE. We believe our Critical Illness Cover offers a competitive alternative

More information

LifeProtect. Serious illness cover. Protecting YOU FROM THE BIGGEST RISKS YOU LL FACE

LifeProtect. Serious illness cover. Protecting YOU FROM THE BIGGEST RISKS YOU LL FACE LifeProtect Serious illness cover Protecting YOU FROM THE BIGGEST RISKS YOU LL FACE Important Note - Please read Zurich s Serious Illness Cover is subject to terms and conditions which are contained in

More information

Budgeting Loans from the Social Fund

Budgeting Loans from the Social Fund Budgeting Loans from the Socia Fund tes sheet Pease read these notes carefuy. They expain the circumstances when a budgeting oan can be paid. Budgeting Loans You may be abe to get a Budgeting Loan if:

More information

Income Protection Options Policy summary

Income Protection Options Policy summary Income Protection Options Policy summary This summary tells you the key things you need to know about our Income Protection Options policy. It doesn t give you the full terms of the policy. You can find

More information

Mortgage Protection and Level Protection Key Features

Mortgage Protection and Level Protection Key Features Mortgage Protection and Level Protection Key Features Lifetime Protection Plan from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority

More information

q First Commonwealth of Missouri, Inc.

q First Commonwealth of Missouri, Inc. The Guardian Life Insurance Company of America q The Guardian Life Insurance company of America underwrites group term ife, accidenta death and dismemberment, short term disabiity, ong term disabiity,

More information

Insurance from MLC. Making your insurance even better. MLC Life Cover Super and MLC Personal Protection Portfolio

Insurance from MLC. Making your insurance even better. MLC Life Cover Super and MLC Personal Protection Portfolio Insurance from MLC Making your insurance even better MLC Life Cover Super and MLC Personal Protection Portfolio Effective from: 17 October 2011 Making sure you re well protected We regularly review our

More information

Life Protection Quotation

Life Protection Quotation Life Protection Quotation Prepared For: Date: 03/06/2013 Life Type: Single Life Quote Type: Specified Illness Cover Only QUOTATION DETAILS Male, 43 (01/Jan/1970), Non-Smoker, Specified Illness 124000 Monthly

More information

POLICY SUMMARY. This policy is provided by Legal & General Assurance Society Limited.

POLICY SUMMARY. This policy is provided by Legal & General Assurance Society Limited. POLICY SUMMARY. This policy is provided by Legal & General Assurance Society Limited. OVERVIEW These policies are designed to meet the demands and needs of people who want to help protect against the impact

More information

Fixed Rate Loan Payment Protection Insurance

Fixed Rate Loan Payment Protection Insurance Fixed Rate Loan Payment Protection Insurance Poicy Document Page 1 of 16 Fixed Rate Loan Payment Protection Insurance Poicy document Fixed Rate Loan Payment Protection Insurance Poicy Document Page 2 of

More information

INSURANCE KEY FEATURES OF: BUSINESS PROTECTION PLANS. This is an important document which you should keep in a safe place.

INSURANCE KEY FEATURES OF: BUSINESS PROTECTION PLANS. This is an important document which you should keep in a safe place. INSURANCE KEY FEATURES OF: BUSINESS PROTECTION PLANS This is an important document which you should keep in a safe place. 2 LEGAL & GENERAL BUSINESS PROTECTION PLANS KEY FEATURES USING THIS DOCUMENT. WHAT

More information

Your Policy Conditions

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

More information

Key features of the Decreasing Mortgage Cover Plan Helping you decide

Key features of the Decreasing Mortgage Cover Plan Helping you decide Key features of the Decreasing Mortgage Cover Plan Helping you decide This important document gives you a summary of the Decreasing Mortgage Cover Plan. Please read this with your illustration, if you

More information

Key Features of the Mortgage and Family Protection Plans and

Key Features of the Mortgage and Family Protection Plans and Legal & General Protection Plans Key Features of the Mortgage and Family Protection Plans and THE Family and Personal Income Plans. This is an important document which you should keep in a safe place.

More information

Key features of the Level Protection Plan

Key features of the Level Protection Plan Key features of the Level Protection Plan Helping you decide This important document gives you a summary of the Level Protection Plan. Please read this with your illustration, if you have one, before you

More information

Group 2: Critical Illness Benefits

Group 2: Critical Illness Benefits Group 2: Zurich s cover is designed to free yourself and your loved ones from the potentially devastating financial impact that follows diagnosis with a critical illness. 1. Level Term Life or Earlier

More information

Key Features and Terms & Conditions of the Stocks & Shares Junior ISA

Key Features and Terms & Conditions of the Stocks & Shares Junior ISA June 2013 Key Features and Terms & Conditions of the This document shoud be read in conjunction with an up-to-date Key Investor Information Document (KIID) for the fund in which you want to invest. You

More information

Your Car Insurance Policy Booklet

Your Car Insurance Policy Booklet Your Car Insurance Poicy Booket 2013 Consumer Moneyfacts Car Insurance Provider of the Year 2012 Best Company - First Cass 2012 Persona Lines Intermediary of the Year, 2012 Customer Service Provider of

More information

INSURANCE KEY FEATURES OF: MORTGAGE PROTECTION PLANS. This is an important document which you should keep in a safe place.

INSURANCE KEY FEATURES OF: MORTGAGE PROTECTION PLANS. This is an important document which you should keep in a safe place. INSURANCE KEY FEATURES OF: MORTGAGE PROTECTION PLANS This is an important document which you should keep in a safe place. 2 LEGAL & GENERAL PROTECTION PLANS KEY FEATURES USING THIS DOCUMENT. WHAT ARE KEY

More information

KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS FAMILY AND PERSONAL INCOME PLANS

KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS FAMILY AND PERSONAL INCOME PLANS INSURANCE KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS FAMILY AND PERSONAL INCOME PLANS This is an important document which you should keep in a safe place. 2 LEGAL & GENERAL PROTECTION

More information

Term Assurance INVESTMENTS PENSIONS PROTECTION

Term Assurance INVESTMENTS PENSIONS PROTECTION Term Assurance About Canada Life Established in 1903, the Canada Life Group has grown to be a modern and dynamic international financial services business. We are part of Great-West Life, one of the world

More information

Provided by Legal & General Key features of: Term Assurance Term Assurance and Critical Illness Cover

Provided by Legal & General Key features of: Term Assurance Term Assurance and Critical Illness Cover Provided by Legal & General Key features of: Term Assurance Term Assurance and Critical Illness Cover This is an important document which you should keep in a safe place. Welcome to Churchill Thank you

More information

KEY FEATURES OF: MORTGAGE PROTECTION PLANS. This is an important document which you should keep in a safe place.

KEY FEATURES OF: MORTGAGE PROTECTION PLANS. This is an important document which you should keep in a safe place. INSURANCE LEGAL & GENERAL PROTECTION PLANS KEY FEATURES 1 KEY FEATURES OF: MORTGAGE PROTECTION PLANS This is an important document which you should keep in a safe place. Legal & General working in association

More information

THE KEY FEATURES OF THE AXA PROTECTION ACCOUNT

THE KEY FEATURES OF THE AXA PROTECTION ACCOUNT THE KEY FEATURES OF THE AXA PROTECTION ACCOUNT The Financial Services Authority is the independent financial services regulator. It requires us, AXA Sun Life plc, give you this important information to

More information

INSURANCE KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS. This is an important document which you should keep in a safe place.

INSURANCE KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS. This is an important document which you should keep in a safe place. INSURANCE KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS This is an important document which you should keep in a safe place. 3 LEGAL & GENERAL PROTECTION PLANS KEY FEATURES USING THIS

More information

NatWest Global Employee Banking Eastwood House Glebe Road Chelmsford Essex England CM1 1RS Depot Code 028

NatWest Global Employee Banking Eastwood House Glebe Road Chelmsford Essex England CM1 1RS Depot Code 028 To appy for this account, the printed appication must be competed and returned together with any necessary supporting documentation to the foowing address: NatWest Goba Empoyee Banking Eastwood House Gebe

More information

Critical Illness with Term Assurance

Critical Illness with Term Assurance AIG Life Critical Illness with Term Assurance Our comprehensive Critical Illness with Term Assurance delivers more value and quality to the customer and their family than ever before. It is designed to

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

Lifetime Protection Plan from Standard Life Protecting you and your family

Lifetime Protection Plan from Standard Life Protecting you and your family Lifetime Protection Plan from Standard Life Protecting you and your family Remember when you thought you were invincible 1 of 33 2 of 33 When was the last time you felt invincible? Contents The need for

More information

A short guide to making a medical negligence claim

A short guide to making a medical negligence claim A short guide to making a medica negigence caim Introduction Suffering from an incident of medica negigence is traumatic and can have a serious ong-term impact on both the physica and menta heath of affected

More information

INSURANCE KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS. This is an important document which you should keep in a safe place.

INSURANCE KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS. This is an important document which you should keep in a safe place. INSURANCE KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS This is an important document which you should keep in a safe place. 2 LEGAL & GENERAL PROTECTION PLANS KEY FEATURES USING THIS

More information

Key Features. Pegasus. Key features of the Pegasus Personal Assurance plan. Important information you need to read.

Key Features. Pegasus. Key features of the Pegasus Personal Assurance plan. Important information you need to read. Pegasus Key Features Personal Assurance Plan Key features of the Pegasus Personal Assurance plan. Important information you need to read. The Financial Services Authority is the independent financial services

More information

REAL Trauma Cover. What is it?

REAL Trauma Cover. What is it? PROTECTION PERSONAL REAL Trauma Cover What is it? REAL Trauma Cover pays you a lump sum of up to $2 million if you suffer any of the 43 critical illnesses specified in the policy, such as cancer, heart

More information

Flexible Protection Flexible Protection Plan Plan

Flexible Protection Flexible Protection Plan Plan Flexible Protection Flexible Protection Plan Plan Key features of the Flexible Protection Plan (online quotation version) The Financial Services Authority is the independent financial services regulator.

More information

Zurich Life Risk Trauma cover

Zurich Life Risk Trauma cover Product Summary Issued 21 December 2015 Zurich Life Risk Trauma cover Adviser use only Trauma insurance provides a lump sum payment on diagnosis or occurrence of a covered trauma. This is a summary only

More information

MOTOR FLEET. www.armadaunderwriting.com.au

MOTOR FLEET. www.armadaunderwriting.com.au I N S U R A N C E B A S I C MOTOR FLEET I N S U R A N C E B A S I C MOTOR FLEET This document is a combined product discosure statement and poicy wording. (30 June, 2012) PART A PRODUCT DISCLOSURE STATEMENT

More information

A Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services

A Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services 2012 Before You Buy A Description of the Caifornia Partnership for Long-Term Care Prepared by the Caifornia Department of Heath Care Services Page 1 of 13 Ony ong-term care insurance poicies bearing any

More information

Bereavement benefits. Help for widows, widowers and surviving civil partners

Bereavement benefits. Help for widows, widowers and surviving civil partners Bereavement benefits Hep for widows, widowers and surviving civi partners Bereavement Payment Widowed Parent s Aowance Bereavement Aowance This pack contains more information about bereavement benefits

More information

Your Car Insurance Policy Booklet

Your Car Insurance Policy Booklet Your Car Insurance Poicy Booket 2013 CAR INSURANCE Our Poicy gives you 5 Star Protection Hastings Direct and Premier Car insurance poicies have been awarded a 5 Star Rating from Defaqto, the independent

More information

This document contains important information about the Lifestyle Plus Protection plan and you should read it along with your quote.

This document contains important information about the Lifestyle Plus Protection plan and you should read it along with your quote. Key facts of the Lifestyle Plus Protection plan (October 2013) This document contains important information about the Lifestyle Plus Protection plan and you should read it along with your quote. This document

More information

KEY FEATURES OF CRITICAL ILLNESS WITH LIFE COVER PROTECTION FOR LIFE. Important information you need to read

KEY FEATURES OF CRITICAL ILLNESS WITH LIFE COVER PROTECTION FOR LIFE. Important information you need to read KEY FEATURES OF CRITICAL ILLNESS WITH LIFE COVER PROTECTION FOR LIFE Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS,

More information

Protecting you and your world. Mortgage Protection. With Serious Illness Cover

Protecting you and your world. Mortgage Protection. With Serious Illness Cover Protecting you and your world Mortgage Protection With Serious Illness Cover Serious Illness Cover for your Mortgage from Caledonian Life Caledonian Life s Mortgage Protection policy offers you a cost-effective

More information

Key Features of the NFU Mutual Level Temporary Assurance Policy with Critical Illness Cover PROTECTION

Key Features of the NFU Mutual Level Temporary Assurance Policy with Critical Illness Cover PROTECTION Key Features of the NFU Mutual Level Temporary Assurance Policy with Critical Illness Cover PROTECTION CONTENTS 03 Who should buy this product? Its Aims Your Commitment Risks What is the Level Temporary

More information

Your Car Insurance Policy Booklet

Your Car Insurance Policy Booklet Your Car Insurance Poicy Booket 2013 CAR INSURANCE Our Poicy gives you 5 Star Protection Hastings Direct and Premier Car insurance poicies have been awarded a 5 Star Rating from Defaqto, the independent

More information

Asteron Life Business Insurance

Asteron Life Business Insurance Asteron Life Business Insurance What lump sum covers are available with Asteron Life Business Insurance? Life Cover Life Cover pays a lump sum of money if you pass away or become terminally ill. Total

More information

Your Car Insurance Policy Booklet

Your Car Insurance Policy Booklet Your Car Insurance Poicy Booket 2013 CAR INSURANCE Our Poicy gives you 5 Star Protection Hastings Direct and Premier Car insurance poicies have been awarded a 5 Star Rating from Defaqto, the independent

More information

your statement of insurance

your statement of insurance your statement of insurance Schoo - Winter Trave Insurance poicyhoder: STG issued on: 1st February 2013 poicy number: NS9 0001313 reason for issue: new business This Statement of Insurance forms part of

More information

Key Features of the Forester Life Mortgage Protection Options Plan. Key Features

Key Features of the Forester Life Mortgage Protection Options Plan. Key Features Key Features of the Forester Life Mortgage Protection Options Plan The Financial Conduct Authority is a financial services regulator. It requires us, Forester Life, to give you this important information

More information

This document contains important information about the Lifestyle Protection plan and you should read this along with your quote.

This document contains important information about the Lifestyle Protection plan and you should read this along with your quote. Key facts of the Lifestyle Protection plan July 2014 This document contains important information about the Lifestyle Protection plan and you should read this along with your quote. This document doesn

More information

Critical illness cover. It s about time.

Critical illness cover. It s about time. Report prepared for 9 December 2015 Critical illness cover. It s about time. Term-based life cover s simple. You die within the term, it pays out. You don t, it doesn t. Unfortunately, life itself isn

More information

Friends Life Protection Account Key features of Critical Illness Cover

Friends Life Protection Account Key features of Critical Illness Cover Protection Friends Life Protection Account Key features of Critical Illness Cover Why is this document important? The Financial Services Authority is the independent financial services regulator. It requires

More information

Aviva Equity Release A guide to our lifetime mortgages. Lifestyle Lump Sum Max Lifestyle Flexible Option

Aviva Equity Release A guide to our lifetime mortgages. Lifestyle Lump Sum Max Lifestyle Flexible Option Aviva Equity Reease A guide to our ifetime mortgages Lifestye Lump Sum Max Lifestye Fexibe Option Contents An introduction to equity reease and ifetime mortgages 3 Who might quaify? 4 What you need to

More information

Key Features of: Family Protection Plans Mortgage Protection Plans

Key Features of: Family Protection Plans Mortgage Protection Plans Key Features of: Family Protection Plans Mortgage Protection Plans This is an important document which you should keep in a safe place. Life Insurance 1 Using this document Introducing AA Life Insurance

More information