Over 50 s Life Cover

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Over 50 s Life Cover"

Transcription

1 Over 50 s Life Cover Key Information Pack Post Office Over 50 s Life Cover is a simple and affordable plan designed to provide your loved ones with a guaranteed cash sum when you die. There are no medical questions and acceptance is guaranteed if you re a UK resident between the age of 50 and 80 and have not exceeded the premium limits. Contents page 1. About our insurance services 2 2. Demands and needs 2 3. How much will the cover cost? 3 4. About Aviva 3 5. Key Features 3 6. Over 50s Life Cover Plan Conditions (Ts & Cs) 5 7. The Direct Debit Guarantee 7 8. The Co-operative Funeralcare 250 Contributions Ts & Cs 7 Post Office Money Over 50 s Life Cover is arranged by Post Office Limited and Aviva Life & Pensions UK Limited and underwritten by Aviva Life & Pensions UK Limited. online branch phone Handled with care

2 This Key Information document contains important information about Post Office Over 50 s Life Cover and its features, benefits, exclusions and limitations. It is important that you read the Key Features contained in this document, as this contains important information about the insurance. You should only apply for this policy if, having read the Key Features, you believe that you are eligible to claim the benefits. The insurance is subject to a number of significant exclusions and limitations. These are detailed in the Key Features and you should ensure you understand these before taking out the insurance. This document also contains a copy of the Post Office Over 50 s Life Cover Terms and Conditions. You should read these carefully, in line with the Key Features, before applying for this plan, so that you can be sure the insurance is suitable for you. Eligibility You should only apply for this plan if you meet the following eligibility criteria: You are aged between 50 and 80; and You are a UK resident, excluding the Channel Islands or the Isle of Man; and You have not already exceeded the premium limits. 1. About our insurance services Post Office Limited Who are we? Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers and respectively. Registered office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited. The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN). What service will we provide? We will only provide you with information about Over 50s Life Cover from a single provider. You will not receive advice or a personal recommendation from us about this plan. You will need to make your own choice about whether it is suitable, based on the information we will provide to you. Whose products do we offer? We only offer Post Office Over 50 s Life Cover provided by Aviva Life & Pensions UK Limited. We are contractually obliged to only sell Post Office Over 50 s Life Cover underwritten by Aviva Life & Pensions UK Limited. How to make a complaint If you wish to register a complaint regarding the service we have provided, you should do so in writing to: Post Office Financial Services Aviva PO Box 520 Norwich NR1 3WG By phone to: Calls cost 2.4p per minute (the service charge) inclusive of VAT, plus your phone company s access charge. Upon receipt of your complaint we will attempt to address the difficulties you may have encountered immediately. Where your complaint is as a result of the actions of Aviva Life & Pensions UK Limited, we will advise you on the most appropriate course of action to help you resolve your issues of concern. If you are not happy with the way we have resolved your complaint, you have the right to refer your complaint to the Financial Ombudsman Service at: Financial Ombudsman Service Exchange Tower London E14 9SR Tel: Fax: Financial Services Compensation Scheme Post Office Limited is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the total claim with no maximum. For further information about the Financial Services Compensation Scheme, contact the FSCS at: Financial Services Compensation Scheme 7th Floor, Lloyds Chambers Portsoken Street London E1 8BN Tel: Fax: Website: 2. Demands and needs Post Office Over 50 s Life Cover is designed to meet your 2

3 demands and needs if you wish to ensure that a guaranteed cash lump sum is payable on your death, if this occurs as a result of a fatal accident within 12 months, or whenever and however this occurs after this. You will not receive personal advice about the suitability of this product to your needs from Post Office. 3. How much will the cover cost? The cost of your cover depends on your age, and the level of cover you choose. You pay the premium each month by direct debit, for a fixed term, depending on your age when your cover starts. For example, if you are aged 53 when your cover starts, you will pay your premium each month for 30 years. After this, your premiums will cease, but your cover will continue until your death. If you stop paying your premiums before the end of the premium payment term shown above, your cover will cease. Paperless applications If you have made a paperless application for Post Office Over 50 s Life Cover, you may be required to verify your identity with Aviva in order to administer your plan once it is in force. Data Protection The information you have provided will be processed in accordance with the Data Protection Act 1998 ( the Act ). Aviva Life & Pensions UK Limited is a data controller for the purposes of the Act. Aviva will use your information to administer your policy and may pass it to reinsurers and third parties who provide services to them, as well as disclosing it in confidence to regulatory bodies and other insurance companies. It may be transferred to any country, including those outside the European Economic Area, for any of these purposes. Aviva may share details of your policy with companies within the Post Office Group, subject to obligations of secrecy and security. Companies within the Post Office Group may use your personal information: to administer your application and policy; to enable them to review, develop and improve their products and services; to help identify products and services that may be of interest to you; for statistical research and analysis; and, if you give your permission, for direct marketing purposes as set out below. Companies within the Post Office Group may pass your personal information to third parties who provide services to it. They may also disclose your personal information as required by law or any competent authority. Your information may be transferred to any country, including those outside the European Economic Area, for any of the purposes set out above. 4. About Aviva Post Office Over 50 s Life Cover 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 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 Over 50 s Life Cover 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. Where the words we, us or our are used in the plan they refer to Aviva Life and Pensions UK Limited. Its aim To pay a cash sum when you die. Your commitment To pay regular premiums for a specific term or until you die, if earlier. The premium term will depend on your age at the start of the plan. You ll either pay for 30 years or until the first plan anniversary after your 90th birthday, whichever comes first. Risks The plan has no cash-in value at any time. Depending on how long the plan runs, the total premiums you pay may be greater than the cash sum paid on death. The lump sum is fixed, so inflation may reduce what you can buy in the future. If you stop paying the premiums before the end of the fixed premium term your cover will end and you won t get any benefits for the amount you ve already paid. If you die other than as a result of a fatal accident during the first 12 months, Aviva will pay an amount equal to the premiums you have paid. Questions and answers What is Post Office Over 50 s Life Cover? It s a life insurance plan that pays out a cash sum to your estate when you die. If you die from An accident Other causes The cash sum will be - within the first year the life insurance amount - after the first year double the life insurance amount - within the first year an amount equal to the premiums paid - after the first year the life insurance amount Only one person can be covered by the plan. The Planholder must be aged between 50 and 80 at the start. How flexible is it? This plan isn t designed to be flexible. You can t alter it once it s started. What other benefits can I choose? As this product is only designed to provide life insurance, there are no other benefits available through this plan. When will the plan NOT pay out? We won t pay out the fatal accident benefit if a claim results from any of the following: 3

4 Your participation in a criminal act. A self-inflicted injury, alcohol or drug abuse. Flying, except as a passenger in a commercially licensed aircraft. Your engagement in certain hazardous pursuits. War or civil commotion. Whilst you are living outside Europe, the USA, Canada, Australia or New Zealand. You can find full details of the exclusions in the plan terms and conditions. What will my premiums be? You can choose a premium between 7 and 50 per month. You pay your premiums monthly by Direct Debit. You can work out the total cost with this formula: your monthly premium x 12 x the maximum number of years you will pay the plan for. For example if you pay the plan for the maximum term of 30 years and choose a monthly premium of 10 this would be 10 x 12 x 30 = 3,600. You can calculate how long you will have to pay premiums for before you will have paid as much in premiums as the plan will pay out using the following formula: Multiply your monthly premium by 12 and then divide your chosen cover level by this amount. For example if you were 50 years of age and chose a monthly premium of 10, giving you a sum assured of 3,380, this would be: 10 x 12 = 120; 3, = 28 years and 1 month. Your life insurance amount is based on a number of factors. These include: the premium you choose your age the charges. Your personal illustration shows how much cover you ll get. Will my premiums change in the future? Your premiums will stay the same throughout the plan. Can I have more than one plan? Yes, but for plans issued on or after 25/01/2010 the number of plans you can have is restricted to a total monthly premium of 100 per life insured. Any plans issued before 25/01/2010 are not taken into account when applying this limit. What are the charges? The charges are included in your premium. They cover the cost of: Guaranteeing to provide you with life cover, whatever your state of health. Commission and expenses. Managing the plan. What if I stop paying? If you stop paying regular premiums before the end of the premium term, your plan and cover will end 30 days after the date the last premium was due and you won t get anything back. Can I cash in my plan? The plan has no cash-in value at any time. If you cancel you won t get anything back. What about tax? Aviva pay tax on their insurance funds at the rate that applies to life insurance companies. The cash sum paid on death is currently free from personal liability to income tax and capital gains tax. On your death, inheritance tax may be payable on the cash sum unless you put your plan in trust. For details of Aviva s trusts, please call * for an explanatory booklet. Tax rules may change. If you are unsure about your tax position, you should talk to your financial adviser. They will be able to address your situation and give you suitable advice. *Calls cost 2.4p (the service charge) per minute plus your phone company s access charge. Can I change my mind? You can change your mind within 30 days from the later of: the day you are advised that the contract is accepted the day you receive the contract. If you change your mind and don t want the plan, you need to fill in and return your cancellation notice. If we receive the completed cancellation notice within the 30 days, we ll give you your money back. Your plan will continue if we don t receive your cancellation notice within the 30 days. The cancellation notice will include the address you must send it to if you change your mind about your plan. Alternatively, you can contact us at the address given overleaf. Will I get regular updates on my plan? As the cash sum on death is guaranteed, you won t receive updates. How to contact Aviva If you have any questions at any time, you can phone or write to Aviva. Call Aviva on Calls cost 2.4p per minute (the service charge) inclusive of VAT, plus your phone company s access charge. Monday to Friday 8am - 8pm Saturday 9am - 6pm Outside of these hours, you can use the same number and leave a voic message. Aviva may monitor calls to improve their service. Office address: Aviva 2 Rougier Street York YO90 1UU How to make a claim A claim can be made by contacting Aviva s Life Claims Department on *. *All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Calls may be monitored or recorded for training and compliance purposes. 4

5 Other information How to complain Please write to Aviva first with your complaint at the address above. If you re not satisfied with the response you can complain to: Financial Ombudsman Service Exchange Tower London E14 9SR Tel: This won t affect your legal rights. Terms and conditions This Key Features document only gives a summary of Post Office Over 50 s Life Cover, you should also refer to the full terms and conditions. Full definitions and exclusions are included in the terms and conditions. Aviva won t be liable to pay any benefit until your completed application and Direct Debit instruction have been received. Law The laws of England will apply in legal disputes and all documents will be written in English. Aviva will always write and speak to you in English. Compensation The Financial Services Compensation Scheme covers your plan. It ll cover you if Aviva becomes insolvent and is unable to meet its obligations under this plan. You may be covered for up to 100% of the total claim with no maximum. Client Classification The Financial Conduct Authority has defined the three categories of customer. You have been treated as a retail client, which means that you will be provided with the highest level of protection provided by the Financial Conduct Authority rules and guidance. Potential conflicts of interest Occasions can arise where Aviva plc group of companies, or their appointed officers, will have some form of interest in business which is being transacted. If this happens, or the Aviva Group becomes aware that its interests, or those of its officers, conflict with your interests, we will take all reasonable steps to manage that conflict of interest, in whatever manner is considered appropriate in the circumstance. This will be done in a way which ensures all customers are treated fairly and in accordance with proper standards of business. Aviva is regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London E14 5HS The Prudential Regulation Authority, 20 Moorgate, London EC2R 6DA 6. Over 50s Life Cover Terms & Conditions 1. Words with special meanings Where the words we, us or our are used in the plan they refer to Aviva Life & Pensions UK Limited. The words you or your refer to the person(s) who have the right to receive the Life Insurance Amount. 2. Life Insurance Amount (a) If before the first anniversary of the Start Date shown in the Schedule: i) the Life Insured dies by fatal accident the Life Insurance Amount shown in the Schedule will be payable; or ii) the Life Insured dies other than by fatal accident, an amount equal to premiums paid under this plan prior to the date of death will be payable. (b) If on or after the first anniversary of the Start Date shown in the Schedule: i) the Life Insured dies by fatal accident, an amount equal to two times the Life Insurance Amount shown in the Schedule will be payable; or ii) the Life Insured dies other than by fatal accident, the Life Insurance Amount will be payable. (c) For the purposes of this plan, death by fatal accident means death resulting from bodily injury caused directly by accidental, external, violent and visible means and not as a direct result of the Life Insured s sickness, disease or physical disorder. (d) Where death results from a fatal accident, only the amount specified in 2(a)(ii) or 2(b)(ii) will be payable if death occurs whilst the Life Insured is living outside Europe, the USA, Canada, Australia or New Zealand Or if we reasonably determine that it is caused directly or indirectly through the Life Insured s use or involvement in any of the following: i) Criminal Act Taking part in a criminal act. ii) Alcohol or Drug Abuse Including but not limited to the following: Consuming too much alcohol; Taking an overdose of drugs, whether lawfully prescribed or otherwise; Taking Controlled Drugs (as defined by the Misuse of Drugs Act 1971) otherwise than in accordance with a lawful prescription. iii) Flying Flying, except as a passenger in a commercially licensed aircraft. 5

6 iv) Hazardous Pursuits Engaging in motorsports (including motorcars, motorcycles and speedboats), mountaineering in which the use of ropes or guides is needed, potholing or diving using artificial breathing apparatus. v) Self-Inflicted Injury Intentional self-inflicted injury. vi) War Including but not limited to: War, invasion, hostilities (whether war is declared or not), civil war, rebellion, revolution or taking part in a riot or civil commotion. 3. Payment of life insurance amount (a) We will not pay the Life Insurance Amount until we receive any proof which we reasonably require of: i) the death of the Life Insured; and ii) your right to receive the payment; and iii) the date of birth of the Life Insured; and iv) our completed claims form; and v) evidence to prove to the satisfaction of our Chief Medical Officer the Life Insured died by fatal accident (as defined in Condition 2(c)). Such evidence may include, but is not limited to: Coroner s Interim Death Certificate Police Report List of Missing Persons Airline Flight Passenger Manifest; and Conversations with parties involved. 4. Cash-in value The plan has no cash-in value at any time. 5. Premiums (a) The Premiums payable under this plan and their payment dates are shown in the Schedule. (b) Monthly Premiums must be paid by direct debit instruction on a current bank or building society account. (c) 30 days grace is allowed for the payment of each Premium after the first. Should a claim arise during this period, any unpaid Premium will be deducted from any benefit payable. (d) If a Premium is due and unpaid at the end of 30 days grace the plan will be cancelled and no cash-in value will be paid. If the Life Insured dies after the 30 days grace no Life Insurance Amount will be payable. 6. Premium limits For plans issued on or after 25/01/2010 the number of plans permitted is limited to a total monthly premium of 100 per life insured. Any plans issued in excess of this limit will be regarded as invalid and as a result cancelled in accordance with condition 7(c)(iii). Plans issued before 25/01/2010 are not taken into account when applying this limit. 7. Alterations (a) We may change the terms of the plan for any of the following reasons: i) to respond, in a proportionate manner, to changes in the way we administer policies of this type; ii) to respond, in a proportionate manner, to changes in technology or general practice in the life and pensions industry; iii) to respond, in a proportionate manner, to changes in taxation, the law or interpretation of the law, decisions or recommendations of an Ombudsman, regulator or similar person, or any code of practice with which we intend to comply; iv) to correct errors, if it is reasonable to do so. If we consider any variation to these conditions is to the Planholder s advantage or is necessary to meet regulatory requirements, we may make the change immediately and will tell the Planholder at a later date. We will tell the Planholder in writing of any change we consider is to the Planholder s disadvantage (other than any change necessary to meet regulatory requirements) at least 60 days before the change becomes effective, unless it is not possible for us to do this, in which case we will give as much notice as we can. (b) If the date of birth of any Life Insured has been incorrectly stated, we will amend the benefits having regard to the true date of birth. If the true date of birth is such that, had it been known to us at the time the plan was proposed for, the Life Insured would have fallen outside of the prescribed age limits to be eligible for the plan, then the plan cannot continue. In such circumstances, the plan would need to be cancelled with no benefits payable and the Premiums would be refunded, without interest. (c) We rely on the information that the Planholder gives to us. If any of the information the Planholder gives to us is not true or not complete and this might reasonably have affected our decision to provide this plan, then we may: i) change the terms of the plan; or ii) amend the Premiums due under the plan; or iii) cancel the plan and refund the Premiums paid without interest. 8. Acceptance of instructions Any instructions, request or notice will not be accepted by us until such documents, information and consents as we may reasonably require are received by us at our Head Office. 9. General (a) Should the ownership of the plan be transferred to someone else (an assignment), we must be in receipt of the written notice of assignment before any payment can be made. (b) The Schedule records details of the plan at the Start Date. Any alteration resulting in changes in the Premiums and the Life Insurance Amount may not be reflected on the plan Conditions. In this event, such changes will be recorded by us. 6

7 (c) Where appropriate, words in the masculine include the feminine and words in the singular include the plural and vice versa. (d) This plan does not give any rights to any person other than the Planholder & Aviva Life and Pensions UK Limited. No other person shall have any rights to rely on any terms under this plan. The Planholder & Aviva Life and Pensions UK Limited may amend or cancel this plan without reference to, or the consent of, any other person. (e) The plan will be governed by the Laws of England. 7. The Direct Debit guarantee This guarantee is offered by all Banks and Building Societies that take part in the Direct Debit scheme. The efficiency and security of the scheme is monitored and protected by your own Bank or Building Society. If the amounts to be paid or the payment dates change, Aviva will notify you 5 working days in advance of your account being debited or as otherwise agreed. If an error is made by Aviva or your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. You can cancel a Direct Debit at any time by writing to your Bank or Building Society. Please also send Aviva a copy of your letter. 8. The Co-operative Funeralcare 250 Contribution Terms & Conditions 1. Funeral Benefit Option This is the option that allows for the fixed lump sum from your chosen Post Office Over 50 s Life Cover to be paid directly to The Co-operative Funeralcare to help towards the overall cost of providing your funeral. The fixed lump sum from your Over 50 s Life Cover may not cover the full cost of your funeral, the person arranging your funeral may need to pay the balance outstanding. Alternatively, if the cost of your funeral is less than the fixed lump sum paid out by the Over 50s Life Cover, your representative would need to claim any outstanding balance from Aviva Life & Pensions UK Limited, who are the provider of Post Office Over 50 s Life Cover. If you die within 12 months of the Post Office Over 50 s Life Cover s start date, the fixed lump sum paid out by the plan will not be paid to The Co-operative Funeralcare and will instead be paid to your estate. In this case, the person arranging your funeral would still be able to use the 250 contribution towards the cost of the Co-operative funeral. 2. Contribution This is the fixed amount that The Co-operative Funeralcare will contribute towards the cost of your funeral when the funeral arrangements are made; this is in addition to the fixed lump sum from your Post Office Over 50 s Life Cover. 3. Terms & Conditions The 250 Contribution: subject to terms and conditions, is only valid when you have selected Funeral Benefit Option with your Post Office Over 50 s Life Cover; is only valid for your funeral, only one Contribution can be used towards the overall cost of your funeral; has no cash value at any time; cannot be applied retrospectively once your funeral has been arranged; can only be used if your funeral is arranged through The Cooperative Funeralcare, another participating Co-operative Society Funeral Home or affiliated Funeral Director; can only be used as payment against a Co-operative Funeralcare funeral account. The funeral account includes all of The Co-operative Funeralcare Funeral Director s fees and services, and fees paid to third parties (such as cremation fees, doctors fees and clergy fees). The 250 Contribution cannot be used against any other accounts raised for services ordered separately, such as headstones, floral tributes and obituaries. If The Co-operative Funeralcare 250 Contribution is applied against funeral costs, no additional discounts can be used against costs of your funeral. The Certificate issued by The Co-operative Funeralcare will need to be presented to The Co-operative Funeralcare Funeral Director at the time of making the funeral arrangements to validate your entitlement to the 250 Contribution. 7

8 Post Office is able to supply customers with this leaflet, free of charge, in an alternative format for people who are visually impaired. To obtain a copy call the Post Office helpline on or Textphone Post Office Money Over 50 s Life Insurance is arranged by Post Office Limited and Aviva Life & Pensions UK Limited and underwritten by Aviva Life & Pensions UK Limited. Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers and respectively. Registered office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited. Aviva Life & Pensions UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, (FRN: ). The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN). The Co-operative Funeralcare is a trading name of Funeral Services Limited registered in England No. IP30808R at 1 Angel Square, Manchester M60 0AG. 07/2015

Guaranteed Lifelong Protection Plan Conditions

Guaranteed Lifelong Protection Plan Conditions Guaranteed Lifelong Protection Plan Conditions 1. WORDS WITH SPECIAL MEANINGS Where the words we, us or our are used in the Plan they refer to Aviva Life & Pensions UK Limited. The words you or your refer

More information

Post Office Money Free Parent Life Cover

Post Office Money Free Parent Life Cover Post Office Money Free Parent Life Cover Terms & Conditions Contents page About our insurance services 2 Demands and needs 2 Key Features 3 Plan conditions (Ts & Cs) 5 Important information 6 Post Office

More information

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

Tesco Bank Over 50 s Life Assurance. Policy terms and conditions Tesco Bank Over 50 s Life Assurance Policy terms and conditions Policy terms and conditions These policy terms and conditions describe your policy, including: our obligations to you your cover claims conditions

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

Post Office Life Insurance

Post Office Life Insurance Post Office Life Insurance Key Information Pack Contents 1. Information Disclosure Document Pg 2 2. Data Protection statement Pg 3 3. Customer Due Diligence Prevention of Money Laundering statement Pg

More information

Key Features of Free Parent Life Cover

Key Features of Free Parent Life Cover Key Features of Free Parent Life Cover 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

More information

Key Features of the Guaranteed Whole of Life Plan

Key Features of the Guaranteed Whole of Life Plan Key Features of the Guaranteed Whole of Life Plan Guaranteed Whole of Life Plan Key Features The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important

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

Your Guide to Insurance for Over 50 s Life Assurance

Your Guide to Insurance for Over 50 s Life Assurance Your Guide to Insurance for Over 50 s Life Assurance guide to insurance for over 50 s Life assurance About this Guide This guide provides important information from both Barclays and Aviva, who are the

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

Policy Summary for Over 50s Life Insurance Plans

Policy Summary for Over 50s Life Insurance Plans This is an important document, which you should read carefully so that you understand what you are buying. Please keep together with your Policy Terms and Conditions, in a safe place, for future reference.

More information

AA 50 Plus Life Insurance

AA 50 Plus Life Insurance Key facts of AA 50 Plus Life Insurance Including information about the funeral benefit option The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life

More information

Key Features of the Immediate Life Annuity

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

More information

AA 50 Plus Life Insurance

AA 50 Plus Life Insurance Key facts of AA 50 Plus Life Insurance The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life Limited, to give you important information to help

More information

Key Features of the With Profits Pension Annuity

Key Features of the With Profits Pension Annuity Key Features of the With Profits Pension Annuity Key Features of the With Profits Pension Annuity The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this

More information

Policy Summary for Over 50s Life Insurance Plans

Policy Summary for Over 50s Life Insurance Plans Policy Summary for Over 50s Life Insurance Plans 1. Fixed Plan 2. Increasing Plan 3. Funeral Plan This is an important document, which you should read carefully so that you understand what you are buying

More information

CONDITIONS Over 50s Life Cover

CONDITIONS Over 50s Life Cover TERMS AND CONDITIONS Over 50s Life Cover 1 TERMS AND CONDITIONS: OVER 50S LIFE COVER PROVIDED BY THE ROYAL LONDON MUTUAL INSURANCE SOCIETY LIMITED ( ROYAL LONDON ) This booklet contains the Terms and Conditions

More information

POLICY SUMMARY. OVER 50s LIFE INSURANCE PLANS

POLICY SUMMARY. OVER 50s LIFE INSURANCE PLANS OVER 50s LIFE INSURANCE PLANS POLICY SUMMARY. Keep this document in a safe place for future reference together with your Policy Terms and Conditions and Policy Schedule. 2 POLICY SUMMARY 1. INCREASING

More information

Over 50s life insurance

Over 50s life insurance Provided by Legal & General Over 50s life insurance Policy summary Please keep together in a safe place for future reference with your Policy Terms and Conditions and Policy Schedule. Policy summary Welcome

More information

Tesco Bank Life Insurance. Policy terms and conditions

Tesco Bank Life Insurance. Policy terms and conditions Tesco Bank Life Insurance Policy terms and conditions Policy terms and conditions These policy terms and conditions describe your policy, including: our obligations to you your cover claims conditions

More information

Key Features of the Pension Annuity (including the Enhanced Pension Annuity)

Key Features of the Pension Annuity (including the Enhanced Pension Annuity) Key Features of the Pension Annuity (including the Enhanced Pension Annuity) Key Features of the Pension Annuity (including the Enhanced Pension Annuity) The Financial Conduct Authority is a financial

More information

Policy Summary for Over 50s Fixed Life Insurance Plan

Policy Summary for Over 50s Fixed Life Insurance Plan Policy Summary for Over 50s Fixed Life Insurance Plan This is an important document which you should read carefully so that you understand what you are buying and help you decide whether our Over 50s Fixed

More information

This Plan is written confirmation of a contract between us (Aviva Life and Pensions UK Limited) and the Planholder(s) named in the Plan Schedule.

This Plan is written confirmation of a contract between us (Aviva Life and Pensions UK Limited) and the Planholder(s) named in the Plan Schedule. Life Insurance Plan Conditions This Plan is written confirmation of a contract between us (Aviva Life and Pensions UK Limited) and the Planholder(s) named in the Plan Schedule. In return for the agreed

More information

Saga Guaranteed Life Insurance. Your Policy Provisions

Saga Guaranteed Life Insurance. Your Policy Provisions Saga Guaranteed Life Insurance Your Policy Provisions Saga Guaranteed Life Insurance is provided by VitalityLife. Contents 1. General description 2. Policy conditions 2.1 Definitions 2.2 Policy duration

More information

AIG Life. Over 50s Life Plan. Key Facts

AIG Life. Over 50s Life Plan. Key Facts AIG Life Over 50s Life Plan Key Facts Welcome to AIG American International Group, Inc. (AIG) is a leading international insurance organisation serving customers in more than 130 countries and jurisdictions.

More information

POLICY TERMS AND CONDITIONS.

POLICY TERMS AND CONDITIONS. OVER 50s LIFE INSURANCE POLICY TERMS AND CONDITIONS 1 POLICY TERMS AND CONDITIONS. T&C 17 2 POLICY TERMS AND CONDITIONS CONTENTS. 1. INTRODUCTION 2. DEFINITIONS EXPLAINED 3. COVER PROVIDED BY THIS POLICY

More information

Over 50s Life Insurance with the Lifetime Payback Guarantee

Over 50s Life Insurance with the Lifetime Payback Guarantee Over 50s Life Insurance with the Lifetime Payback Guarantee Key Facts and Policy Terms and Conditions Welcome to British Seniors We all want the best for our loved ones. Now that you have chosen British

More information

FUNERAL PROTECTION PLAN TERMS AND CONDITIONS

FUNERAL PROTECTION PLAN TERMS AND CONDITIONS FUNERAL PROTECTION PLAN TERMS AND CONDITIONS This is an important document, so please make sure You keep it in a safe place and let Your family know where to find it. These terms and conditions, the Plan

More information

AIG Life. Relevant Life Insurance. Key Facts

AIG Life. Relevant Life Insurance. Key Facts AIG Life Relevant Life Insurance Key Facts Contents Page Welcome to AIG 3 Section A: About Relevant Life Insurance A1 What is Relevant Life Insurance is 4 A2 How Relevant Life Insurance works 4 A3 Your

More information

RIAS OVER 50s LIFE PLAN. Key features

RIAS OVER 50s LIFE PLAN. Key features RIAS OVER 50s LIFE PLAN Key features 4 RIAS OVER 50s LIFE PLAN Our aims To pay a guaranteed lump sum to your estate if you die after you ve had the plan for two years. To pay a guaranteed lump sum to your

More information

insurance KEY FEATURES OF THE: RElEvAnT life PlAn important document

insurance KEY FEATURES OF THE: RElEvAnT life PlAn important document INSURANCE KEY FEATURES OF THE: Relevant Life Plan This is an important document which you should keep in a safe place. This is a guide to our Relevant Life Plan and is based on our understanding of current

More information

Over 50s Life Insurance with the Lifetime Payback Guarantee

Over 50s Life Insurance with the Lifetime Payback Guarantee Over 50s Life Insurance with the Lifetime Payback Guarantee Key Facts and Policy Terms and Conditions 2 Welcome to Smart Insurance We all want the best for our loved ones. Now that you have chosen Smart

More information

Funeral Benefit Option

Funeral Benefit Option Provided by: Funeral Benefit Option Aviva, the provider of your Tesco Bank Over 50 s Life Assurance Policy, has teamed up with The Co-operative Funeralcare, the UK s leading funeral provider, to offer

More information

AIG Life. Business Protection Term Assurance. Key Facts

AIG Life. Business Protection Term Assurance. Key Facts AIG Life Business Protection Term Assurance Key Facts Contents Page Welcome to AIG 3 Section A: About Business Protection A1 What is Business Protection? 4 A2 Business Protection aims 4 A3 How does Business

More information

Policy Summary. Please print this document and keep in a safe place for future reference with your Policy Terms and Conditions and Policy Schedule.

Policy Summary. Please print this document and keep in a safe place for future reference with your Policy Terms and Conditions and Policy Schedule. INSURED funeral plan Policy Summary. Please print this document and keep in a safe place for future reference with your Policy Terms and Conditions and Policy Schedule. 2 Policy SUMMARY INSURED Funeral

More information

AIG Life. YourLife Plan Term Assurance. Key Facts

AIG Life. YourLife Plan Term Assurance. Key Facts AIG Life YourLife Plan Term Assurance Key Facts Contents Page Welcome to AIG 3 Section A: About Term Assurance A1 What is Term Assurance? 4 A2 Term Assurance aims 4 A3 How does - Term Assurance work? 4

More information

Zurich Accidental Death Cover. Terms and conditions

Zurich Accidental Death Cover. Terms and conditions Zurich Accidental Death Cover Terms and conditions Contents Terms and conditions Introduction 3 Roles and responsibilities 4 Zurich s roles and responsibilities 4 Your roles and responsibilities 4 Your

More information

Important information. Key Features of the Flexible Life Plan (top-up payments)

Important information. Key Features of the Flexible Life Plan (top-up payments) Important information Key Features of the Flexible Life Plan (top-up payments) > Contents About this booklet 4 About the Flexible Life Plan (top-up payments) 4 Its aim 5 Your commitment 5 Risks 6 Questions

More information

Ageas Over 50s Life Plan Plan Details

Ageas Over 50s Life Plan Plan Details Ageas Over 50s Life Plan Plan Details Ageas Over 50s Life Plan 1 Ageas Over 50s Life Plan This booklet is the Plan Details. It explains how our Ageas Over 50s Life Plan works. Thank you for choosing the

More information

AIG Life. Whole of Life Insurance. Key Facts

AIG Life. Whole of Life Insurance. Key Facts AIG Life Whole of Life Insurance Key Facts Contents Page Welcome to AIG 3 Section A: About Whole of Life Insurance A1 What is Whole of Life Insurance? 4 A2 Whole of Life Insurance aims 4 A3 How does Whole

More information

Key Features of the Term Assurance Plan

Key Features of the Term Assurance Plan Key Features of the No advice has been provided by Scottish Friendly in relation to this plan. If you are in any doubt as to whether this plan is suitable for you, you should contact a financial adviser

More information

Over 50s Life Cover. Policy summary

Over 50s Life Cover. Policy summary Over 50s Life Cover Policy summary Policy summary: Over 50s Life Cover provided by the Royal London Mutual Insurance Society Limited ( Royal London ) This booklet contains important information you need

More information

POLICY TERMS AND CONDITIONS.

POLICY TERMS AND CONDITIONS. OVER 50s LIFE INSURANCE POLICY TERMS AND CONDITIONS 1 POLICY TERMS AND CONDITIONS. T&C 41 2 POLICY TERMS AND CONDITIONS CONTENTS 1. INTRODUCTION 2. DEFINITIONS 3. COVER PROVIDED 3.1 Who is covered? 3.2

More information

AIG Life. YourLife Plan Family Income Benefit. Key Facts

AIG Life. YourLife Plan Family Income Benefit. Key Facts AIG Life YourLife Plan Family Income Benefit Key Facts Contents Page Welcome to AIG 3 Section A: About Family Income Benefit A1 What is Family Income Benefit 4 A2 Family Income Benefit aims 4 A3 How does

More information

AA 50 Plus Life Insurance

AA 50 Plus Life Insurance AA 50 Plus Life Insurance Policy conditions Provided by Friends Life and Pensions Limited AA 50 Plus Life Insurance AA 50 Plus Life Insurance Policy conditions This document sets out the full policy conditions

More information

AA 50 Plus Life Insurance

AA 50 Plus Life Insurance AA 50 Plus Life Insurance Policy conditions Provided by Friends Life Limited AA 50 Plus Life Insurance AA 50 Plus Life Insurance Policy conditions This document sets out the full policy conditions of AA

More information

Key features of the Income Protection Plan

Key features of the Income Protection Plan Key features of the Income Protection Plan Helping you decide This is an important document which gives you a summary of the Income Protection Plan. Please read this with your illustration, if you have

More information

KEY FEATURES. SELECT PORTFOLIO BOND (WEALTH MANAGERS) This is an important document. Please keep it safe for future reference.

KEY FEATURES. SELECT PORTFOLIO BOND (WEALTH MANAGERS) This is an important document. Please keep it safe for future reference. SELECT PORTFOLIO BOND (WEALTH MANAGERS) KEY FEATURES. This is an important document. Please keep it safe for future reference. LEGAL & GENERAL SELECT PORTFOLIO BOND 2 SELECT PORTFOLIO BOND (WEALTH MANAGERS)

More information

Zurich Simple Life Insurance

Zurich Simple Life Insurance Zurich Simple Life Insurance Terms and conditions The simple way to help protect your loved ones financially Contents 1. Who can have the plan? 3 2. When we will pay the cash sum 3 3. When we won t pay

More information

Guaranteed Whole of Life Cover. Peace of mind for the whole of your life

Guaranteed Whole of Life Cover. Peace of mind for the whole of your life Guaranteed Whole of Life Cover Peace of mind for the whole of your life Contents Protection Cover from Aviva Page 1 Guaranteed Whole of Life Cover Page 2 Your plan benefits Page 3 The premiums Page 6 Guaranteed

More information

About Union Income Benefit Holdings Ltd. Contents. UIB Treating Customers Fairly

About Union Income Benefit Holdings Ltd. Contents. UIB Treating Customers Fairly Life Cover Contents Title Page About Union Income Benefit Holdings Limited 1 Policy Summary 2 Welcome 3 Definitions 3 Life Cover Policy Wording The cover we provide 4 Return of Premiums 4 What we do not

More information

Key features of the Aviva Stocks & Shares ISA

Key features of the Aviva Stocks & Shares ISA Key features of the Aviva Stocks & Shares ISA Retirement Investments Insurance Health Key features of the Aviva Stocks & Shares ISA The Financial Conduct Authority is a financial services regulator. It

More information

KEY FEATURES OF THE RELEVANT LIFE PLAN.

KEY FEATURES OF THE RELEVANT LIFE PLAN. RELEVANT LIFE PLAN KEY FEATURES OF THE RELEVANT LIFE PLAN. LIFE COVER This is an important document which should be kept in a safe place. 2 RELEVANT LIFE PLAN KEY FEATURES USING THIS DOCUMENT. WHAT ARE

More information

Guaranteed Life Insurance with Optional Cover

Guaranteed Life Insurance with Optional Cover Guaranteed Life Insurance with Optional Cover Key Facts and Policy Terms and Conditions We just got it Sorted Welcome to Sorted Insurance At Sorted Insurance, we re committed to providing quality, great

More information

Accidental Death Insurance

Accidental Death Insurance Accidental Death Insurance Important note: This is not a life insurance policy. This insurance provides cover for accidental death only. It does not provide cover for death caused by illness or disease.

More information

RELEVANT LIFE PLAN KEY FEATURES

RELEVANT LIFE PLAN KEY FEATURES seeing retirement differently seeing retirement differently RELEVANT LIFE PLAN CELEBRATING CELEBRATING YEARS sin ce 1 9 9 5 YEARS sin ce 1 9 9 5 The Financial Conduct Authority is a financial service regulator.

More information

Total, permanent, loss of use through physical damage or separation at or above the wrist or ankle of one or more limbs

Total, permanent, loss of use through physical damage or separation at or above the wrist or ankle of one or more limbs LLOYDS TSB Personal Accident Cover Policy Document These terms and conditions are provided to give you a guide on the cover that is being offered. Please note that your personalised policy document will

More information

Guaranteed acceptance. No medical questions.

Guaranteed acceptance. No medical questions. Life Assurance EBS Over 50s Life Cover Guaranteed acceptance. No medical questions. EBS Over 50s Life Cover is provided by Irish Life Assurance plc (Irish Life). Important note: Over 50s Life Cover is

More information

Important information. Key Features of the Prudential International Investment Portfolio

Important information. Key Features of the Prudential International Investment Portfolio Important information Key Features of the Prudential International Investment Portfolio > Contents About this booklet 3 About the Prudential International Investment Portfolio 3 Its aim 4 Your investment

More information

Your Guide to Insurance for Life Insurance

Your Guide to Insurance for Life Insurance Your Guide to Insurance for Life Insurance LIFE INSURANCE About this Guide This guide provides important information from both Barclays and Aviva (the insurance provider of this policy), and is for your

More information

Saga Accidental Death Benefit Your Policy Booklet

Saga Accidental Death Benefit Your Policy Booklet Saga Accidental Death Benefit Your Policy Booklet Welcome to Saga Accidental Death Benefit. As with all our services, we have designed this policy with our customers needs in mind and I hope you will be

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

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

Key Features of the Over 50s Guaranteed Protection Plan

Key Features of the Over 50s Guaranteed Protection Plan Key Features of the Over 50s Guaranteed Protection Plan No advice has been provided by Scottish Friendly in relation to this plan. If you are in any doubt as to whether this plan is suitable for you, you

More information

HSBC Life Cover (Level and Decreasing) Everything you need to know for: Personal Protection and Business Protection

HSBC Life Cover (Level and Decreasing) Everything you need to know for: Personal Protection and Business Protection HSBC Life Cover (Level and Decreasing) Everything you need to know for: Personal Protection and Business Protection 2 Contents Section Page Policy Summary 3 Type of Insurance and Cover 3 Significant Features

More information

Virgin Life Insurance

Virgin Life Insurance Virgin Life Insurance Key Facts Policy Summary and Policy Conditions virginmoney.com Virgin Life Insurance Key Facts Policy Summary and Policy Conditions This document, together with any policy schedules,

More information

KEY FEATURES OF THE INVESTMENT BOND. Important information you need to read

KEY FEATURES OF THE INVESTMENT BOND. Important information you need to read KEY FEATURES OF THE INVESTMENT BOND Important information you need to read IMPORTANT INFORMATION THE INVESTMENT BOND IS PROVIDED BY CLERICAL MEDICAL. ALL COMMUNICATIONS AND INFORMATION RELATING TO YOUR

More information

Key features of the Income Protection Plan Helping you decide

Key features of the Income Protection Plan Helping you decide Key features of the Income Protection Plan Helping you decide This is an important document which gives you a summary of the Income Protection Plan. Please read this with your illustration, if you have

More information

Key Features of the Whole of Life Protection Plan.

Key Features of the Whole of Life Protection Plan. WHOLE WHOLE OF OF LIFE LIFE PROTECTION PLAN KEY FEATURES Key Features of the Whole of Life Protection Plan. LIFE ASSURANCE This is an important document which you should keep safely in case you need it

More information

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

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

More information

Guaranteed Life Insurance with Optional Cover

Guaranteed Life Insurance with Optional Cover Guaranteed Life Insurance with Optional Cover Key Facts and Policy Terms and Conditions We just got it Sorted Welcome to Sorted Insurance At Sorted Insurance, we re committed to providing quality, great

More information

AIG Life. YourLife Plan Income Protection. Key Facts

AIG Life. YourLife Plan Income Protection. Key Facts AIG Life YourLife Plan Income Protection Key Facts Contents Page Welcome to AIG 3 Section A: About Income Protection A1 What is Income Protection? 4 A2 Income Protection aims 4 A3 How does Income Protection

More information

Life insurance with no medical questions.

Life insurance with no medical questions. Life Insurance EBS Over 50s Life Insurance Life insurance with no medical questions. EBS Over 50s Life Insurance is provided by Irish Life Assurance plc (Irish Life). Important note: As well as offering

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

KEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT. Important information you need to read

KEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT. Important information you need to read KEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

The 50+ Life Plan s key features Important info you need to read

The 50+ Life Plan s key features Important info you need to read The 50+ Life Plan s key features Important info you need to read Before applying for the 50+ Life Plan, please read the Key Features, which you ll find on the next few pages. The Key Features explain how

More information

Product Summary. Cashback Accident Plan

Product Summary. Cashback Accident Plan Product Summary Customer Services Freephone: 0800 169 7733 Office hours: Monday to Friday, 9am to 6pm E-mail csd@uk.combined.com Website www.combinedinsurance.co.uk Headquarters European Headquarters The

More information

Personal Injury Cover. Terms and Conditions

Personal Injury Cover. Terms and Conditions Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered

More information

Key features of the Whole Life Protection Plan

Key features of the Whole Life Protection Plan IMPORTANT INFORMATION This information may be downloaded to your PC in whole or in part provided that any reproduction or copy, or any derivative, is true to the original, and it is EITHER used for personal

More information

GUARANTEED ACCEPTANCE WITHOUT A MEDICAL

GUARANTEED ACCEPTANCE WITHOUT A MEDICAL GUARANTEED ACCEPTANCE WITHOUT A MEDICAL 5% discount on standard premiums Over 50s Life Cover when you re gone Over 50s Life Cover Affordable Life Cover Benenden Over 50s Life Cover is brought to you by

More information

Guaranteed Over 50s Life Insurance with optional cover

Guaranteed Over 50s Life Insurance with optional cover Guaranteed Over 50s Life Insurance with optional cover Key Facts and Policy Terms and Conditions Welcome to British Seniors Insurance Agency We all want the best for our loved ones. Planning for your funeral

More information

Your Term Life Insurance Policy

Your Term Life Insurance Policy Your Term Life Insurance Policy In conjunction with ANV Syndicate 779 Many thanks for taking out an Emerald Life Term Life policy, an important part of protecting and providing for those you love, or as

More information

Lifetime Annuity and Scheme Pension Key Features

Lifetime Annuity and Scheme Pension Key Features Lifetime Annuity and Scheme Pension Lifetime Annuity and Scheme Pension Key Features This document shows the main points about your policy. Please read it with your Personal Example and keep them with

More information

Saga Guaranteed Life Insurance

Saga Guaranteed Life Insurance Saga Guaranteed Life Insurance Important information for customers including your Policy Summary from VitalityLife Important information for customers Saga Personal Finance is a registered trading name

More information

Flexible Life Plan Key Features

Flexible Life Plan Key Features Flexible Life Plan Flexible Life Plan Key Features This document shows the main points about your plan. Please read it with your personal illustration and keep it with the other documents relating to your

More information

Saga Guaranteed Life Insurance

Saga Guaranteed Life Insurance Saga Guaranteed Life Insurance Important information for customers including your Policy Summary from VitalityLife Important information for customers Saga Guaranteed Life Insurance is underwritten by

More information

Life Insurance with Optional Covers

Life Insurance with Optional Covers Life Insurance with Optional Covers Key Facts and Policy Terms and Conditions With my family covered, I can relax and enjoy life Welcome to Sorted Insurance At Sorted Insurance, we re committed to providing

More information

DECREASING TERM ASSURANCE KEY FEATURES

DECREASING TERM ASSURANCE KEY FEATURES seeing retirement differently seeing retirement differently DECREASING TERM ASSURANCE CELEBRATING CELEBRATING YEARS sin ce 1 9 9 5 YEARS sin ce 1 9 9 5 The Financial Conduct Authority is a financial service

More information

RIAS OVER 50s LIFE PLAN PLAN DETAILS

RIAS OVER 50s LIFE PLAN PLAN DETAILS RIAS OVER 50s LIFE PLAN PLAN DETAILS Keep this policy booklet in a safe place PLAN DETAILS This booklet is the Plan Details. It explains how our RIAS Over 50s Life Plan works. Thank you for choosing the

More information

Important information. Key Features of the Prudential Savings Account Top Up Investment

Important information. Key Features of the Prudential Savings Account Top Up Investment Important information Key Features of the Prudential Savings Account Top Up Investment > Contents About this booklet 4 About the Prudential Savings Account 4 Its aim 5 Your Commitment 5 Risks 5 Questions

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 facts of. AA Life Insurance. Provided by Friends Provident. AA Life Insurance

Key facts of. AA Life Insurance. Provided by Friends Provident. AA Life Insurance Key facts of AA Life Insurance Provided by Friends Provident AA Life Insurance AA Life Insurance AA Life Insurance is provided by Friends Provident. We, us and our in this document mean Friends Provident.

More information

Expect to understand your Accidental Death Insurance

Expect to understand your Accidental Death Insurance Expect to understand your Accidental Death Insurance POLICY WORDING Accidental Death Insurance Contents 1. Introducing your policy 2. What you re covered for 3. What you re not covered for 4. Changes you

More information

Guaranteed Life Insurance with Optional Covers. Key Facts and Policy Terms and Conditions

Guaranteed Life Insurance with Optional Covers. Key Facts and Policy Terms and Conditions Guaranteed Life Insurance with Optional Covers Key Facts and Policy Terms and Conditions Welcome to Smart Insurance Smart Insurance offers a range of life Insurance products that can help you quickly and

More information

Guaranteed Over 50s Life Insurance with optional cover

Guaranteed Over 50s Life Insurance with optional cover Guaranteed Over 50s Life Insurance with optional cover Key Facts and Policy Terms and Conditions 1 Welcome to British Seniors Insurance Agency We all want the best for our loved ones. Planning for your

More information

KEY FEATURES OF THE NFU MUTUAL MORTGAGE TEMPORARY ASSURANCE POLICY PROTECTION

KEY FEATURES OF THE NFU MUTUAL MORTGAGE TEMPORARY ASSURANCE POLICY PROTECTION KEY FEATURES OF THE NFU MUTUAL MORTGAGE TEMPORARY ASSURANCE POLICY PROTECTION The Financial Conduct Authority is a financial services regulator. It requires us, NFU Mutual, to give you this important information

More information

Instant Life Insurance

Instant Life Insurance AIG Life Instant Life Insurance Key Facts AIG Instant Life Insurance the Key Facts This document gives you the key information you need to help you decide whether AIG Instant Life Insurance is right for

More information