Key features of Tesco Bank Over 50 s Life Assurance

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1 Key features of Tesco Bank Over 50 s Life Assurance

2 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 to we, us or our refer to Aviva unless stated otherwise. Is it right for me? Yes, if you: Are aged between 50 and 80 (inclusive) at the time of applying. Want life cover for the rest of your life, so that your loved ones will get a cash lump sum when you die. No, if you: Are under 50 or over 80. Only want life cover for a limited amount of time. Want a policy that covers you if you are diagnosed with a critical illness. Want to be covered against being unable to work because you re ill or injured. Want to be able to stop your policy and get your money back. What to do next: This is a guide. Please ensure you read this key features document for further information to ensure you re happy the product is right for you. Key features The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information to help you to decide whether our Tesco Bank Over 50 s Life Assurance policy is right for you. You should read this document carefully so that you understand what you are buying, and then keep it safe for future reference. Its aims To provide a cash lump sum when you die. Your commitment To pay regular premiums for a set number of years, or until you die, if earlier. The number of years you pay premiums for is known as the premium term. You ll either pay premiums for a maximum of 30 years or until the policy anniversary after your 90th birthday, whichever comes first. To answer the questions on your application correctly to the best of your knowledge. If you don t answer the questions fully, truthfully and accurately this could affect how much we pay out if you make a claim and could mean we won t pay out your claim at all. Risks If you don t pay your premiums during the premium term, your policy and your cover will end 30 days after your last payment was due and you won t get any money back. If you decide to end your policy, you won t get any money back as the policy has no cash-in value. The cash lump sum we pay is fixed, so inflation will reduce what it can buy in the future. You should review your cover to ensure that it remains adequate over time. Depending on how long you have the policy for, the amount we pay out on your death may be less than the total amount you ve paid in. If you die in the first year and your death isn t caused by an accident, we won t pay the guaranteed cash lump sum. Instead, we ll pay an amount equal to the premiums paid.

3 Questions and answers What is Tesco Bank Over 50 s Life Assurance? It s a whole of life policy which pays out a cash lump sum when you die. Before the end of the first year we will pay an amount equal to the premiums paid, but not the full guaranteed cash lump sum in the circumstances above. What will my premiums be? If you die from: An accident In the first year On or after the first year anniversary Other causes In the first year On or after the first year anniversary The policy can only cover you. We ll pay: The guaranteed cash lump sum Double the guaranteed cash lump sum An amount equal to the premiums paid The guaranteed cash lump sum Your illustration gives you an idea of how much you ll need to pay for the amount of life cover you ve chosen. You can choose either the premium you want to pay or the cash lump sum paid on death, when you take out your policy. Your premiums are based on the cover you choose and your personal circumstances. You pay your premiums monthly by Direct Debit. Can my premiums change in the future? You should review your cover to ensure that it remains adequate over time. How flexible is the policy? This policy isn t designed to be flexible. You can t change your policy once it s started. 3 When will the policy pay out? When you die. 7 When will the policy not pay out? We don t get the documents or evidence we need when there s a claim. You gave us incorrect information on your application, if this affects the cover we provide. We won t pay the accidental death benefit if: The accident is the result of: You taking part in criminal activity Self-inflicted injury, suicide, alcohol or drug misuse Flying, except as a passenger in a commercially licensed aircraft You taking part in certain hazardous pursuits If you re living outside the European Union, Andorra, The Channel Islands, The Faroe Islands, Gibralter, The Isle of Man, Liechtenstein, Norway, Monaco, San Marino, Switzerland, Vatican City, USA, Canada, Australia or New Zealand. On or after the first anniversary we will pay the guaranteed cash lump sum, but not double the guaranteed cash lump sum in the event of accidental death in the circumstances above. No, your premiums will always stay the same. Can I have more than one policy? Yes, you can have more than one policy, but your total monthly premium for all your policies can t be more than 100 per month across all Tesco Bank Over 50 s Life Assurance policies taken out with Aviva. What about tax? The cash lump sum we pay out on death is currently free from income and capital gains tax. It may be subject to inheritance tax unless you put your policy in a suitable trust. For details of our trusts, please call for our explanatory brochure. Tax rules may change in the future. Can I change my mind? You can change your mind within 30 days from the later of: The start date. The day you receive your policy schedule. If you decide you don t want the policy, we ll give you your money back, if you change your mind within 30 days. You ll be sent a cancellation notice which will include a phone number that you can call and an address you can send it to if you change your mind about your policy. Alternatively, you can contact us at the Aviva address shown below. Your policy will continue if we don t receive your cancellation notice within 30 days. If you cancel your policy after 30 days you won t get any premiums back.

4 How to contact us To speak to someone about your policy If you want to get in touch with us you can call, or write: Call us on (Monday to Friday, 8: 00 am Ð 8.00 pm and Saturday 9.00 am Ð 2.00 pm). Outside of these hours, you can use the same number and leave us a message. We monitor calls to improve our service. us at Write to us at: Customer Services PO Box 520 Norwich NR1 3WG To make a claim Call our Life Claims Department on Alternatively, we can be contacted on Outside of the UK, the number would be To make a complaint If you ever need to complain: Call us on us at Write to us at: Aviva Customer Relations PO Box 3182 Norwich NR1 3XE If you re not satisfied with our response you can write to: Financial Ombudsman Service Exchange Tower London E14 9SR Call or to: This won t affect your legal rights. Other important information Terms and conditions This key features document only gives a summary of Tesco Bank Over 50 s Life Assurance. You should read the policy terms and conditions. Please contact us for a copy. Law We ll write your contract in English and the law of England will apply in any legal dispute. We ll always write and speak to you in English. Potential conflicts of interest There may be times when Aviva plc group companies or our appointed officers have some form of interest in the business being transacted. If this happens or we become aware that our interests, or those of our officers, conflict with your interests, we ll take all reasonable steps to manage that conflict of interest. We ll do this in a way that treats all customers fairly and in line with proper standards of business. Client classification The Financial Conduct Authority has defined three categories of customer. You ve been classed as a retail client, which means that you ll be provided with the highest level of protection provided by the Financial Conduct Authority rules and guidance. Compensation Financial Services Compensation Scheme (FSCS) We are covered by the FSCS. If we cannot meet our obligations you may be entitled to compensation under the scheme. You can get more details directly from the FSCS online at or by contacting them at: Financial Services Compensation Scheme 10th Floor, Beaufort House 15 St Botolph Street London EC3A 7QU Tel: or Fax:

5 Braille, large font, audio material, text phone You can order our literature in Braille, large font or audio. Just call or and tell us: the format you want your name and address the name or code of the document. The code is usually at the bottom of the page on the back of most documents. To contact Customer Services using a text phone, please call The Customer Call Centre is open Monday to Friday, 8.00 am to 8.00 pm, and Saturday from 9.00 am to 2.00 pm. Tesco Bank Over 50 s Life Assurance is provided by Aviva Life & Pensions UK Limited. Registered in England No Rougier Street, York, YO90 1UU. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number TB /2015

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