Mortgage Life Insurance

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1 Mortgage Life Insurance Moving with your mortgage In association with

2 Welcome to Norwich Union YOUR MOVE s relationship with Norwich Union means we re able to offer you all the protection you need when buying your home. By choosing Norwich Union, you benefit from the financial strength of the UK's largest insurer. Together with millions of customers, you can feel certain of your choice whether you invest for the future, provide against the unexpected or protect the things that are important to you. Norwich Union aims for superior long-term investment performance and, as one of the UK's strongest financial companies, we have the strength to deliver. Our size and efficiency give us even greater opportunities to provide an extensive range of value-for-money, quality products - investments, retirement, protection and healthcare - designed to meet your needs, both now and in the future.

3 For most of us, the largest financial commitment we ever make is the mortgage loan we use to buy our house. However, arranging the mortgage is only one part of the house-buying process. We also have to decide how to protect the loan. What is a mortgage life insurance plan? A mortgage life insurance plan is specifically designed for use alongside a repayment mortgage. If you die during the term of the plan, a cash sum will be payable, which could help to pay off the outstanding balance of your mortgage. Over time, the level of life insurance provided by the plan falls to reflect your reducing mortgage loan, so you are paying only for the cover you need. When should you choose a mortgage life insurance plan? There are basically two types of mortgage: - Repayment mortgage (capital and interest) - Interest only mortgage. A mortgage life insurance plan is designed to cover a repayment mortgage. With a repayment mortgage, your payment to the lender goes partly towards paying the interest on the loan and partly towards reducing the original mortgage loan. A mortgage life insurance plan gives financial protection if you die during the plan term. With an interest only mortgage, your payment to the lender consists only of interest on the loan. You have to build up funds in an investment product to provide a cash sum that could repay the mortgage loan at the end of the plan term. You will need to provide another form of life insurance to repay the mortgage if you die. Are all mortgage life insurance plans the same? Mortgage life insurance plans are basically very simple. There are three important factors to consider when weighing up which is the right plan for you: Security Price Flexibility Security You want to be sure your outstanding mortgage loan will be cleared if you die. Also, you may like some protection to cover you in case you are diagnosed with a critical or terminal illness or unable to work due to illness or injury. Price You don t want to pay more than you have to when your budget is already stretched. We have options available to suit your financial situation. Flexibility Your mortgage loan is likely to run for a number of years, typically 20 or 25 years for a first-time buyer. Your personal circumstances may change considerably during this period. With the Mortgage Life Insurance plan you can amend, attach or remove benefits. If you agree that these factors are important, you need to know more about Norwich Union s Mortgage Life Insurance plan. 3

4 Why Mortgage Life Insurance from Norwich Union? Mortgage Life Insurance from Norwich Union offers you security and flexibility, at a competitive price. Security The Mortgage Life Insurance plan offers you a range of options to help you protect your financial security. This means that you can be secure in the knowledge that your family is provided for if you die or are diagnosed with a terminal illness (or a critical illness, if this option is selected). For full details of the terms and conditions, plus any restrictions that may apply when selecting your options, please refer to the Technical Guide (available on request). How we can help you protect your mortgage Price Just ask for a personal illustration and see how little it costs. Norwich Union aims to offer some of the most competitive rates currently available. Flexibility Your mortgage loan is likely to run for a number of years, typically 20 or 25 years for a first-time buyer. Your personal circumstances may change considerably during this period. As this is a flexible plan, you can add, remove or amend options so the plan moves with your mortgage, changing to meet your needs throughout the term of the plan. Integrated Critical Illness cover (with reviewable or guaranteed premiums) Independent Critical Illness cover (with reviewable or guaranteed premiums) Mortgage Life Insurance Includes: Life Insurance plus Moving House and Home Improvement option Marriage/Childbirth option Separation option Terminal Illness benefit at no extra cost Mortgage Payment Protection or Premium Protection Accident, Sickness & Unemployment Cover or Unemployment Cover only 4

5 Giving you peace of mind The following options are provided at no extra cost (subject to certain limitations): Before the plan starts After acceptance free cover is provided between exchange of contracts and completion of your house purchase (for a maximum of three months). In this case, the cash sum paid will be either the amount of cover you have applied for or 500,000 - whichever is the lower. Life Insurance This will pay out a guaranteed cash sum on death. The plan will then end and no further benefit will be payable. To ensure your peace of mind, we also guarantee that the cash sum paid out will repay the outstanding mortgage in the event of death or diagnosis of a terminal illness (or a critical illness, if Integrated Critical Illness cover is selected), provided that: - the yearly mortgage interest rate at the time the plan is taken out is under 10%; - the mortgage payments are up to date; - the amount of cover at the start of the plan is at least the size of the mortgage (or the part of the mortgage the plan covers); - if the amount or term of the mortgage is increased, the cover is kept in line. Terminal Illness benefit This will pay out a guaranteed cash sum if you are diagnosed as being terminally ill (i.e. are expected to live no more than 12 months from the date of diagnosis) and your plan still has at least 18 months to run. The plan will then end and no further benefit will be payable. Moving House and Home Improvement option This allows you to amend your existing level of cover in line with the value of your new mortgage or home improvement loan. Under the terms of this option you do not have to provide any further evidence of health. Unless the new total cash sum exceeds the lower of - the amount of the total mortgage loan - twice the initial cash sum payable or - a maximum of 150,000 and: - the option is taken out before age 55 - the new extended term will end before the person covered by the plan reaches age 70. Maximum expiry ages relating to all other options apply at the time of exercising this option. It cannot be used if you have been diagnosed as suffering from a terminal illness (or a critical illness, if this option is selected) or when Premium Protection or Mortgage Payment Protection benefit is being paid. The extra cover is provided by a new plan which must not have any options that are not included in the original plan. Marriage/Childbirth option This allows you to take out a new level Term Assurance plan without further evidence of health, if you marry, have children or legally adopt. You may use the option as many times as you like, providing that the total amount of life cover is no more than the original amount or 100,000, whichever is the lower. It is not available in the last 5 years of the plan term. Separation option If you hold a joint life plan, subject to the original plan being accepted at ordinary rates, you can change the plan to two single life plans at no extra cost if you and your partner separate. Mortgage Payment Protection will not be available under the new plan, whether it was included in the original plan or not. Providing additional security You can choose any of the following options for an additional charge: Integrated Critical Illness cover This is designed to pay off the outstanding amount of the mortgage covered by the plan. When we pay out after a claim the plan ends and unless you decide to take out our Life Cover Buy-Back option (see below), we won t pay out again if you die. Life Cover Buy-Back option If you make a claim under Integrated Critical Illness cover, you may be able to buy back your life cover up to the amount that was in place at the time of the claim. You can do this 12 months after your claim has been agreed, under our Life Cover Buy-Back option. A new plan will be issued, as your old plan will have ended when you made your claim. 5

6 6 Independent Critical Illness cover This type of cover remains level although the total mortgage loan decreases over time. In the event of a claim you will receive a cash sum as agreed and your plan will continue. Both Integrated and Independent Critical Illness cover offer the option of reviewable (every five years) or guaranteed premiums. Your Financial Adviser will be able to help you decide which one is most suitable for your circumstances. Free Children s Critical Illness benefit This cover is available at no extra cost if you have opted to take out critical illness cover. It covers any children you have between ages one to 18, during the term of your own critical illness plan. In the event of a claim, you will receive a cash sum of 10,000 or 50% of the sum assured on the person covered by the plan, whichever is the lower. Your plan will then continue unaffected. The critical illnesses covered under this option differ slightly to ones covered under your critical illness plan. Further information can be found in our guide to critical illness cover (PT ). Mortgage Payment Protection Mortgage Payment Protection is a level benefit that is designed to cover the cost of your mortgage repayments and related costs if you are unable to work because of illness or injury and you suffer loss of earnings. It is not available if Premium Protection is selected. Cover will be subject to a maximum deferred period of one, three, six, 13 or 26 months (chosen by you when taking out the plan) and runs for the plan term. Its value should not exceed 150% of the total mortgage payment (including interest and capital) or 50% of your gross monthly earnings. Hospital benefit This is payable if you re admitted to hospital as a result of your incapacity for more than seven consecutive nights during your deferred period. We ll pay 150 for each additional consecutive night (to a maximum of 90 nights) spent in hospital. Premium Protection Premium Protection is a level benefit that is designed to cover the cost of your premiums if you are unable to work because of illness or injury. It is not available if Mortgage Payment Protection is selected. Cover will be subject to a maximum deferred period of one, three or six months (chosen by you when taking out the plan) and runs for the plan term. Premium Protection can only be included with the plan from outset. Accident, Sickness and Unemployment Cover Accident, Sickness and Unemployment cover is a separate plan offering a level benefit that is designed to cover the cost of your mortgage repayments and related costs for a 12 month period if you become unemployed or suffer an accident or sickness. It is available to employed, self-employed and contract workers. You can choose Accident, Sickness and Unemployment cover or Unemployment cover only. You can find further details in the enclosed Accident, Sickness and Unemployment brochure. Mortgage Payment Protection, Premium Protection and Accident, Sickness & Unemployment cover are important options in light of the reductions in State Incapacity Benefits. We believe that they are important to anyone who wants to safeguard their financial security. Mortgage Life Insurance Moving with your mortgage To find out how little it will cost you to benefit from the security and flexibility offered by Norwich Union s Mortgage Life Insurance plan simply talk to your adviser today. Full written details are available on request.

7 Minimum and maximums Minimum premium Maximum premium Maximum amount of cover 5.00 monthly 50 annually None No maximum for life cover only. Minimum age at start of plan 16 If Critical Illness cover is selected the maximum amount of cover available is 500,000. This includes any other Critical Illness cover already held, with us or any other provider. If you exceed this level of cover, we reserve the right to review your claim and may reduce or refuse a payout. Where Integrated Critical Illness cover is selected the amount of life cover will also be limited to 500,000. Maximum age at start of plan With no options 66 Minimum term Maximum term With premium protection - 54 With guaranteed critical illness 59 With reviewable critical illness 58 With mortgage payment protection 54 Three years, or five years if mortgage payment protection is selected, or six years if reviewable premium critical illness cover is selected. 40 years provided the plan ends before the life/lives assured reaches: With no options - 70 With premium protection - 70 With mortgage payment protection - 65 If critical illness cover is selected the plan must end before age 65 and the maximum term is 25 years. 7

8 Mortgage and Financial services are provided by your-move.co.uk Limited. In relation to life assurance, pensions and investments your-move.co.uk introduces only to the Norwich Union Marketing Group, members of which are authorised and regulated by the Financial Services Authority. EAF /2004 Norwich Union Life Services Limited Registered in England No Rougier Street York YO90 1UU. Norwich Union Life Services Limited represents only the Norwich Union Marketing Group, members of which are authorised and regulated by the Financial Services Authority, for life assurance, pensions and investments. Aviva plc

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