Policy Summary of Critical Illness with Life Cover

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1 Policy Summary of Critical Illness with Life Cover FLIP/4569/May14 This policy summary contains key information about Friends Life Individual Protection Critical Illness with Life Cover. You should read this summary carefully and keep it in a safe place. Please note that it does not contain the full terms and conditions and exclusions of cover. You can find these in your membership handbook and please also refer to your registration certificate. Please ask us if you would like copies of these documents. The provider Friends Life Individual Protection Critical Illness with Life Cover is provided by Friends Life and Pensions Limited, part of the Friends Life group. The insurance and the cover that it provides Friends Life Individual Protection Critical Illness with Life Cover pays a lump sum or annual benefit if family income benefit has been selected, if a person covered by the policy dies or suffers a terminal illness or suffers or undergoes one of the specified critical illnesses or operations, included in the membership. Please see the What conditions are covered? section and the How much does the membership pay out? section for more information about the conditions that we cover. The membership would only pay out this benefit once. Cover options The policy offers four types of cover: level term cover mortgage protection term cover renewable term cover family income benefit cover. What cover options are available? section of this document. Additional options Other options are available under the policy: indexation option fracture cover option premium waiver option total permanent disability reinstatement option. Apart from indexation, these options are subject to an additional premium. Indexation will result in an increased premium. We explain each of these additional options in detail in the What other options are available? section of this document. Summary of cover You decide how much cover you need. The higher the level of cover and the longer the period of cover, the higher your premiums will be. It will increase if you choose one of the indexation options. Otherwise the amount is fixed. If you choose the mortgage protection term cover, the amount the membership pays out in total will reduce during the term of your membership. You may take out the policy for personal or business use. The maximum cover for a personal policy is 3,000,000 and 5,000,000 for a business policy. There is a plan fee of If you stop paying your premiums your cover will stop. Full details of each of these cover options are set out in the

2 Policy Summary Friends Life Individual Protection Critical Illness with Life Cover You must answer all of the questions on the application form correctly to the best of your knowledge and belief. If you do not do this it could mean that we will not pay the benefit provided by your membership. You must tell us if there are any changes to your personal health, family history, occupation or residence, or if you take up any hazardous activities between supplying the application form and when your membership starts. Again, if you do not do this, it could mean that we will not pay the benefits in the event of a claim. For more information please see the What you are not covered for section of the membership handbook. Provided you continue to pay the agreed premium your policy would pay your chosen level of benefit if a person covered dies or suffers or undergoes one of the specified critical illnesses or operations covered under the membership. Anyone aged from 18 to 59 who lives in the UK and Channel Isles can apply. For the purposes of Friends Life Individual Protection policies the Channel Isles means Guernsey and Jersey only. If the main occupation of a person covered is running a home or raising a family, we will consider the maximum benefit available at our sole discretion on the basis of financial evidence we request. Inflation will reduce the real value of your cover. The membership has no surrender value at any time. Further details of how we will consider any claim are contained in the How to make a claim section of the membership handbook. Please ask us if you would like a copy. How much does the membership cost? The premium depends on our assessment of the personal circumstances of the person covered, taking into account factors such as: age and medical history smoker / non-smoker status current state of health occupation the amount of cover and any options chosen. On Friends Life protection policies there is a monthly plan fee of We only charge the plan fee on one policy but if this policy terminates we will switch it to any other policy you have. We can offer you a choice of premiums; guaranteed, renewable and reviewable. We explain each of these options in the What premium options are available? section. How much does the membership pay out? You decide how much cover and which type of cover you need. The higher the level of cover, the higher your premium will be. The amount the membership pays out will reduce during the term of your membership if you choose the mortgage protection term or family income benefit, or increase if you choose one of the indexation options as explained in the What other options are available? section. Otherwise the amount is fixed. The chosen level of main benefit is payable once, after which your membership will end. For certain conditions, additional benefit is payable. Additional benefit is payable in addition to your main benefit and your membership will not end after the additional benefit is paid. Additional benefit of 25 percent of the full benefit, up to a maximum additional payment of 25,000 would be payable for the following conditions: low-grade prostate cancer coronary angioplasty significant visual loss. Additional benefit of 12.5 percent of the full benefit, up to a maximum additional payment of 12,500 would be payable for the following conditions: carcinoma in situ of the cervix uteri requiring hysterectomy carcinoma in situ of the urinary bladder cerebral aneurysm with surgical repair cerebral arteriovenous malformation with surgical repair Crohn s disease treated with surgical intestinal resection ductal carcinoma in situ of the breast with specified treatment non malignant pituitary adenoma with specified treatment removal of one or more lobe(s) of the lung for disease and trauma If you are on an NHS waiting list, we will make an accelerated payment if you need to undergo one of the following specified surgical treatments: aorta graft surgery coronary artery by-pass grafts heart valve replacement or repair open heart surgery. We will pay 25 percent of the full benefit, up to a maximum advance payment of 25,000. This is an advance payment made from your benefit and will be deducted from your benefit. Any remaining balance of your benefit will be settled after your surgery. What conditions are covered? Friends Life Individual Protection Critical Illness with Life Cover covers the following conditions: Alzheimer s disease resulting in permanent symptoms Aorta graft surgery Aplastic anaemia of specified severity Bacterial meningitis resulting in permanent symptoms Benign brain tumour with permanent symptoms or undergoing defined treatments 2

3 Benign spinal cord tumour resulting in permanent symptoms Blindness permanent and irreversible Cancer excluding less advanced cancers but including advanced skin cancer Cardiac arrest with insertion of a defibrillator Cardiomyopathy of specified severity Chronic rheumatoid arthritis Coma with associated permanent symptoms Coronary artery by-pass grafts Creutzfeldt-Jakob disease resulting in permanent symptoms Crohn s disease of specified severity Deafness permanent and irreversible Dementia resulting in permanent symptoms Diabetes mellitus type 1 first diagnosis over age 40 and requiring permanent insulin injections Heart attack of specified severity Heart valve replacement or repair HIV infection caught from a blood transfusion, a physical assault or at work in an eligible occupation Kidney failure requiring permanent dialysis Liver failure Loss of hands or feet permanent physical severance Loss of independence Loss of speech permanent and irreversible Major organ transplant from another donor Motor neurone disease resulting in permanent symptoms Multiple sclerosis of specified severity Open heart surgery Paralysis of limbs total and irreversible Parkinson s disease resulting in permanent symptoms Progressive supranuclear palsy resulting in permanent symptoms Respiratory failure severe lung disease of specified severity Stroke of specified severity Systemic lupus erythematosus (SLE) Third degree burns covering 20 percent of the body s surface area or 20 percent loss of surface area of the face Traumatic brain injury resulting in permanent symptoms Ulcerative colitis treated with total colectomy Cover is also provided for death and terminal illness Please note that the name of each critical illness above is only a guide to what is covered. For example: Some types of cancer are not covered. You can find further details of how we would consider your claim (including the full definitions we use and the evidence we will need) in the illnesses and operations covered section of the membership handbook. Who can the membership cover? You can apply for the membership to cover either: you alone you and another person one or two people not including you. Can children have Friends Life Individual Protection Critical Illness with Life Cover? All of your children up to age 18, or up to age 21 if not in full time employment, including any you have legally adopted or for whom you are an appointed legal guardian can be covered under your membership at no extra charge. Children under your membership will be covered for children s intensive care benefit (where they require mechanical ventilation for seven days) and all the illnesses and operations specified for the main cover, except Diabetes mellitus type 1 or death. The cover also includes the additional conditions for children only: cerebral palsy cystic fibrosis hydrocephalus treated with insertion of a shunt muscular dystrophy spina bifida of specified severity The lump sum benefit would be 50 percent of your main benefit, up to a maximum of 25,000 unless; the child suffers: coronary angioplasty; low-grade prostate cancer; or significant visual loss; then the childcover benefit will be the lower of 25 percent of the benefit and 25,000, or; the child suffers: carcinoma in situ of the cervix uteri - requiring hysterectomy carcinoma in situ of the urinary bladder cerebral aneurysm - with surgical repair cerebral arteriovenous malformation - with surgical repair Crohn s disease - treated with surgical intestinal resection ductal carcinoma in situ of the breast - with specified treatment removal of one or more lobe(s) of the lung - for disease and trauma non malignant pituitary adenoma - with specified treatment; in which case the benefit would be 12.5 percent of the full benefit, up to a maximum of 12,500. This benefit will be payable once per child. The maximum benefit payable is the lower of 50 percent of the benefit and 25,000, regardless of the number of memberships held by you. 3

4 Policy Summary Friends Life Individual Protection Critical Illness with Life Cover We will pay 5,000 towards the cost of a funeral if your child dies. The benefit is payable once per child, regardless of the number of memberships held by you. This is payable in addition to the cover outlined above. Your children will only be covered if you are either the parent or legal guardian of the child or if you are the spouse, partner or civil partner of the parent or legal guardian of the child. Claims for children do not affect your own cover. Children are unable to be covered for fracture cover or total permanent disability option. What cover options are available? There are four main options of cover available. There are additional options which allow you to tailor your chosen cover and we explain these in the What other options are available? section. Level term cover Level term cover means you are covered for a fixed lump sum for a set period of time (from 5 to 40 years) which you select when you take out the policy. At the end of this period your cover will cease. With this option you can select guaranteed premiums or alternatively your premiums will be reviewed every five years see the What premium options are available? section of this guide for further details. Mortgage protection term cover Mortgage protection term cover also means you are covered for a set period (from 5 to 40 years) but the level of the cover reduces each month. The rate at which it reduces is worked out in the same way as calculating the outstanding amount on a repayment mortgage with an interest rate of 10 percent per year. With this option you can select guaranteed premiums or reviewable premiums. Renewable term cover Renewable term cover is a fixed lump sum cover where the premiums are renewed every 5 or 10 years, depending on which renewal option you choose. Your premiums will increase or decrease at each renewal based on the age of the person covered and our premium rates at that time. We don t require any further medical evidence. We may also change the other terms and conditions at renewal and can terminate the membership at that time if we no longer offer this type of membership. For policies with 5-year renewable terms your membership cannot continue after the 65th birthday of the person covered. For 10-year renewable terms, this would be their 70th birthday. Family income benefit cover Family income benefit cover operates in the same way as level term cover, but differs in the way it pays the benefit. This type of cover does not pay a lump sum payment; instead the benefit is paid in annual instalments, these would be paid for each year remaining in the term of the membership, after a claim is accepted. With this option you can select guaranteed or reviewable premiums. What premium options are available? There are three premium options. Guaranteed premiums If your premium option is guaranteed, your premium will remain the same for the term of the membership, unless changes in law, regulatory requirements or taxation mean that it is reasonable for us to increase the cost of your cover as a result. Also, your premiums may contain an amount to make up a plan fee and this fee may increase. We only charge the plan fee on one membership but if this membership terminates we will switch it to any membership you have. Premiums will increase if the level of benefit is increased, for example if you choose an indexation option (see the section What other options are available? ). Reviewable premiums If you select reviewable premiums, we may increase or decrease your premiums on the fifth anniversary of the commencement date and at the end of every following five year period. When we work out what premiums we charge under this option, we make assumptions about the future level of inflation, claim costs, expenses, investment returns, taxes and levies. When we review your premiums we consider whether the combined effect of these factors is better or worse than we had assumed and if, as a result, the cost of the cover needs to increase or decrease to take account of this. We may increase or reduce your premiums by the amount we reasonably believe is necessary. We may also increase your reviewable premium if there is a change in law, regulatory requirements or taxation and it is reasonable for us to increase your premium as a result. Also, your premiums may contain an amount to make up a plan fee. We only charge the plan fee on one membership but if this membership terminates we will switch it to any membership you have. We will write to tell you about any change to your premiums at least 60 days beforehand. If your premium needs to increase, you can tell us to keep the premium the same and reduce the amount of cover instead. Alternatively, you can cancel the membership and stop paying premiums altogether. You will not receive any refund of your premiums. 4

5 Renewable premiums Renewable premiums are only available with the renewable cover option. If you choose this option, your premiums may increase or decrease at each renewal. This would be based on the age of the person covered and our premium rates at that time - no further medical evidence will be required. Your premiums will almost certainly increase on each renewal date because of the increase in the age of the member(s), unless standard rates are reduced by a greater extent than the increase in the premium rate due to age. We may also change the other terms and conditions at renewal. We will write to tell you about any change to your premiums at least 60 days beforehand. If your premium needs to increase, you can tell us to keep the premium the same and reduce the amount of cover instead. Alternatively, you can cancel the membership and stop paying premiums altogether. We may also increase your renewable premium if there is a change in law, regulatory requirements or taxation and it is reasonable for us to increase your premium as a result. Also, your premiums may contain an amount to make up a plan fee. We only charge the plan fee on one membership but if this membership terminates we will switch it to any membership you have. What other options are available? You can choose a number of other options for your plan and we explain these below. Apart from indexation and replacement cover, each of these options would be subject to both our agreement and an additional premium. Indexation You can help protect the value of your benefit from the effects of inflation by selecting an indexation option when you join. With this option you can choose for your level of benefit to increase either in line with the Retail Prices Index (RPI) or Average Weekly Earnings (AWE) or by a set amount of either 3 or 5 percent each year on each anniversary of the start of your membership. With the RPI-linked option the increase in the level of benefits will be the same as the percentage increase in the RPI during the first 12 months of the 15-month period prior to the relevant membership anniversary. For the AWE-linked option this would relate to the first 12 months of the preceding 17-month period. Your premium will increase at a higher rate than your benefit as we take account of your age and remaining term at each benefit increase. For guaranteed and reviewable premiums the increase will be based on our premium rates at the commencement date. For renewable premiums, the increase will be based on our premium rates applicable at the later of the commencement date or the last renewal. You may cancel any increase under the indexation option by writing to tell us within 30 days of the increase. If you do cancel, we will not make any automatic increases in the future. Increases that have already been made would not be affected. If you select family income benefit term option, your benefit will stop indexing once we start paying your claim. Premium waiver When you apply for cover the premium waiver option is available for any of the people included in the application. With this option you would not need to pay the relevant premiums (that is, they would be waived ) if incapacity prevented the person to whom the option applies from following their own occupation for more than three months or, if they are not in a paid occupation, their incapacity prevented them from carrying out at least three out of six key specified activities of daily living. Activities of daily living are defined as follows: Shopping being able to get to and from the nearest shops and carry a small bag of shopping. Cooking being able to prepare and cook a basic meal. Housework being able to carry out light housework such as dusting, washing dishes and making beds. Handling money being able to handle basic household finances and recognise the value of money. Taking medicine being able to take routine medication prescribed by a recognised medical practitioner. Child minding being able to care for, feed, wash and dress a child under the age of five. The waiver will end if they are able to carry on any paid occupation or they are no longer unable to do at least three activities of daily living, or on their 70th birthday, whichever occurs first. This option ceases on the 70th birthday of any person to whom it applies. For more information on the waiver of premium benefit please see the membership handbook. Fracture cover With the fracture cover option your policy also provides cover if the person covered suffers one of a number of specified fractures. The maximum amount that can be claimed for one fracture is 2,100. The amount depends on the nature of the fracture. Claims can only be made for one fracture in any year. The definition of fracture does not include every type of fracture. The full details of the types of fracture covered, the amount of benefit for each fracture and the definition of fracture are set out in the Additional options section of the membership handbook. 5

6 Policy Summary Friends Life Individual Protection Critical Illness with Life Cover Reinstatement The reinstatement option will allow you to take out a new membership after a claim has been paid. This would provide limited cover for the people covered. It would cover the following conditions: Aorta graft surgery Aplastic anaemia of specified severity Bacterial meningitis resulting in permanent symptoms Cancer excluding less advanced cancers but including advanced skin cancer Cardiomyopathy of specified severity Heart attack of specified severity HIV infection caught from a blood transfusion, a physical assault or at work in an eligible occupation Kidney failure requiring permanent dialysis Liver failure Major organ transplant from another donor Motor neurone disease resulting in permanent symptoms Multiple sclerosis of specified severity Parkinson s disease resulting in permanent symptoms Progressive supranuclear palsy resulting in permanent symptoms Stroke of specified severity Systemic lupus erythematosus (SLE) Third degree burns covering 20 percent of the body s surface area or 20 percent loss of surface area of the face. The option can only be exercised between 12 and 24 months after any claim. Further restrictions will apply for cancer. The amount of benefit provided under the reinstatement option will be the lower of 100,000 or the benefit we paid under your membership. It will not include benefit for any conditions which began before the new membership commenced. The full details of this option including the terms which apply are set out in the membership handbook. Replacement If your membership covers two people you can take out a new membership (the replacement option) after a claim is paid for one of those covered. The new membership must be for the other person covered only and for no more than the existing level of benefit. The end date of the new membership cannot be later than the end date of your existing membership. Please note that this option is only available where the initial membership could have continued for more than five years, was originally accepted at our standard rates, and the person to be covered by the new membership is under 50 years of age. You must tell us that you want to take out the new membership within three months of the date the claim has been paid. Full details are available in the membership handbook. Total permanent disability You can elect to include cover for total permanent disability for any person covered by the policy. If you choose this option the benefit will be paid if the person it applies to was to suffer a total permanent disability as defined under the membership. Total permanent disability will have different meanings for different people. It will relate to whether they can carry out their own occupation, if they can carry out any occupation to which they are suited, or if they are able to carry out three of the activities of daily working. Activities of daily working are defined as follows: Walking the ability to walk more than 200 metres on a level surface. Climbing the ability to climb up a flight of 12 stairs and down again, using the handrail if needed. Lifting the ability to pick up an object weighing 2kg at table height and hold for 60 seconds before replacing the object on the table. Bending the ability to bend or kneel to touch the floor and straighten up again. Getting in and out of a car the ability to get into a standard saloon car, and out again. Writing the manual dexterity to write legibly using a pen or pencil, or type using a desktop personal computer keyboard. Full details of these options and what we mean by activities of daily living or daily working are contained in the membership handbook. This option ends when your membership ends or, for any member, on their 70th birthday. Each of the options except indexation and replacement cover are additional options and are subject to both our agreement and an additional premium. Changes you can make You can increase your cover at any time without providing further medical evidence in the following circumstances, if the person covered: gets married or becomes a civil partner gets divorced or separated obtains a dissolution of a civil partnership has a child (including adopting a child or becoming a legal guardian) increases their mortgage due to moving house or undertaking home improvements is promoted by their current employer or starts a new job with a different employer and their salary increases. The increase can be from the lower of 25 percent of the original amount of cover or 50,000, up to the lower of 100 percent of the cover or 125,000. Each change can only be made once throughout the lifetime of the membership. You can do this as long as the person covered (or the oldest member if there is more than one) is under 55 years of age at the time we receive your request for an increase. You must write to us asking for the increase within six months of the relevant event. 6

7 Please note that this option is not available if your membership is accepted at above one and a half times the standard rates. Your premiums will increase if you increase your cover. Changes applicable for key person/ shareholder protection only You can increase your cover at any time without providing further medical evidence in the following circumstances: if the member s salary increases, a business loan you have is increased, the value of your interest in a business you own has increased in value, or where you are a sole trader and either your net relevant earnings have increased or a business loan you have has increased. Increases are subject to an overall maximum of 50 percent of the existing cover or 250,000 for key person cover, loan cover and shareholder/partnership cover and to an overall maximum of 50 percent or 150,000 increase for sole trader cover. Your premiums will increase if you increase your cover. What you are not covered for We would not pay a claim for any of the following reasons; for full details, please see the What you are not covered for section of the membership handbook: if the cause of the claim is specifically excluded by any specific terms we apply to your membership when we accept your application. If applicable we will show these in your registration certificate. where the claim, other than a claim for death or terminal illness benefit, results from a self inflicted injury. where the claimant does not survive 14 days after suffering from, or being diagnosed with one of the critical illnesses listed in the cover. if it relates to any operation, or intended operation, unless it was, or is, medically necessary and was performed by a consultant in a hospital in which such operations are routinely carried out. where the benefit is restricted under the definition of critical illness. if the claim is for a child s critical illness and the symptoms first arose, the underlying condition was first diagnosed or either parent received counselling or medical advice in relation to the condition before: the commencement date your legal adoption or legal guardianship of the child. if the claim is for a child s funeral and: the cause of death arose before: the commencement date your legal adoption or legal guardianship of the child or the child dies before reaching the age of 30 days. unless you provide the information and assistance we need to assess a claim. This may require the person covered to attend a medical examination in the UK. We would pay for the medical examination but we would not cover any other expenses incurred in attending. failure to disclose a fact, giving false information or failing to tell us of a change in your health or circumstances in relation to any question in your application before cover starts where done deliberately or recklessly gives us the right to cancel from the start any membership issued as a result and may invalidate any future claim. However, where that information was given carelessly or the failure to disclose relevant information was careless, then we will amend the terms of your membership to be consistent with what the terms should have been based on the correct information, unless we would not have offered any terms for the membership applied for, in which case we have the right to cancel the membership from the start and return any premiums. For more information please see the What you are not covered for section of the membership handbook. additional terms apply to fracture cover benefit, premium waiver benefit, childcover benefit and child funeral benefit. You can find further information about this in the membership handbook. How long does the cover last? You decide how long you want your Friends Life Individual Protection Critical Illness with Life Cover to last for. For all types of cover except renewable cover this can be any period from 5 to 40 years but it must begin before the 60th birthday of the person covered and cease before their 70th birthday. With renewable term cover your cover will end before the person covered reaches age 70 if you choose a 10-year renewable term, or age 65 if you choose a 5-year renewable term. Within the selected term, your cover will continue until either: you stop paying premiums to it you die or suffer or undergo one of the specified critical illnesses or operations covered under the membership your cover term ends. You may need to review and update your cover from time to time to ensure it remains adequate for your needs. If you stop paying your premiums your cover will cease immediately. However, if you miss a premium we would allow cover to continue if the outstanding premium is paid within 30 days. Remember it may cost you more to take a similar policy in the future. If you have chosen renewable term cover your premiums will increase or decrease every five or ten years depending on the renewal period you chose. At renewal we can also change the terms of your membership and have the right to end your membership if we no longer offer this type of membership. Is my benefit taxable? Under current legislation and HMRC practice critical illness claim payments are not taxable. 7

8 For life cover claim payments, you re not liable to income tax or capital gains tax on your plan unless you sell it to someone else. If you die and your plan is not written in trust, the amount we pay out will form part of your estate for inheritance tax purposes. Once you ve started your plan, you may wish to seek advice about placing it under trust to help in inheritance tax planning. Tax rules may change. Changing your mind You can change your mind about taking out your cover within 30 days: of the day when your membership starts or, if later; the day when you receive your membership handbook and your registration certificate. After this time, if you cancel your cover, there will be no refund of premiums paid. However, if you have paid an annual premium and you cancel your membership before the next premium is due, we will give you a pro-rata refund, but we will deduct the discount you would have received in that year for paying an annual premium. See Your right to cancellation section of the membership handbook for further information. Getting in touch The Friends Life Individual Protection helpline is always the first number to call if you need help or support or if you have any comments or complaints. Please call us on Calls may be recorded and may be monitored. Alternatively, you can write to us at Friends Life Individual Protection, PO Box 569, Friends Life Centre, Bristol, BS34 9FE. How to make a claim If you need to make a claim, you must do this as soon as you can. You will need to have your Friends Life Individual Protection membership number handy if you call. You can call or write to us using the details provided in the Getting in touch section. Please see the How to make a claim section of the membership handbook for further information. How to complain Please contact our Customer Relations Team using the contact details above. To see our procedures for dealing with complaints, please ask for our We Listen leaflet. If you are not satisfied with our response you can contact: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Telephone or Website Making a complaint won t affect your legal rights. Compensation If an adviser recommends this policy, you have a legal right to compensation if the Financial Ombudsman Service decides it wasn t suitable for your needs at the time. We are covered by the Financial Services Compensation Scheme (FSCS). If we cannot meet our obligations you may be entitled to compensation under the scheme. For this type of policy, the scheme covers 90% of the claim. For further information see Alternatively, you can contact the FSCS on or Please note that FSCS s first responsibility is to seek continuity of cover rather than to pay compensation. Law and language This membership is governed by the law of England and Wales and will apply unless your membership handbook shows otherwise. Your policy documents, membership handbook and all other communications will be in English. The ABI Guide to Critical Illness Cover You can find general information about Critical Illness Cover in the ABI (Association of British Insurers) Guide to Critical Illness Cover. We can send you a copy if you would like one. Alternatively you can get a copy by writing to the ABI at 51 Gresham Street, London EC2V 7HQ. About Friends Life Friends Life and Pensions Limited is entered on the Financial Services Register number This document is available in other formats. If you would like a Braille, large print or audio version of this document, please contact us. Friends Life and Pensions Limited An incorporated company limited by shares and registered in England and Wales, number Registered office: Pixham End, Dorking, Surrey RH4 1QA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be recorded. Friends Life is a registered trade mark of the Friends Life group. FLIP/4569/May UNI

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