Key Features of the Immediate Lifetime Care Term Assurance Plan
|
|
- Arron Melton
- 8 years ago
- Views:
Transcription
1 Key Features of the Immediate Lifetime Care Term Assurance Plan Reference LTCKFDIMMTA The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life Limited, to give you this important information to help you decide whether the Immediate Lifetime Care Term Assurance Plan 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. Please read this document with the accompanying quote. Where relevant information is contained in other documents these will be signposted at the appropriate point. The purpose of this document is to help you make an informed decision. What is the Immediate Lifetime Care Term Assurance Plan? It s an insurance Plan that will provide a one-off lump sum if you should die during the term of the Plan. There are two Premium Protection options you can choose from, please read the Questions and answers section of this document for more information on short term and long term premium protection. The benefit payable reduces over time and will also depend on which Premium Protection option you select. Who should consider the Immediate Lifetime Care Term Assurance Plan? You should consider this plan if you are aged 60 or over, reside in the UK and expect to receive formal care for the rest of your life, either in a care home or at home, for which you have to pay. Planholders should be aged 60 or over and reside in the UK at the time of application.
2 Key Features of the Immediate Lifetime Care Term Assurance Plan Its aims To provide a lump sum free of personal income tax and capital gains tax if you should die during the term of the Plan. This lump sum is designed to repay a proportion of the Single Premium you have paid for this Plan and the Plan providing your Immediate Lifetime Care benefits. Your commitment To pay the Single Premium which is due. Risks There will be no return on the Plan if you survive beyond the end of its term. Your Plan has no cash-in value at any time. Any death benefit payable will be included in your estate for inheritance tax purposes. Questions and Answers Can I change my mind? You can change your mind within 30 days from when we inform you the Plan has been concluded and you receive Your right to change your mind form. If for any reason you decide that you do not want to take out this Plan, just return the form within 30 days to the address detailed in the How to contact us section and we ll give you your money back. If you do not exercise your right to cancel within this period your Plan will continue in accordance with the Plan terms and conditions and any decision to cancel at a later date will be subject to those terms and conditions. What are the charges? All charges are included in the Single Premium you pay for your Plan. Our administration costs are covered within the premium and the payments made by your plan reflect this. However, your adviser may make a charge for advice given. We are able to facilitate this charge on your behalf, which will be added to your premium, or you can pay your adviser directly. What will my Single Premium be? Your personal illustration shows the Single Premium due for the Premium Protection option you have chosen. How does the Short Term Premium Protection option work? Basic Cover At the outset of your Plan you select 25%, 50% or 75% of your total Single Premiums to both this Plan and your Immediate Lifetime Care Plan for your Basic Cover. If you should die within three months from the start date of your Plan, your Basic Cover will pay out an amount equal to your selected percentage of the total Single Premiums to both this Plan and your Immediate Lifetime Care Plan less the Reduction Amount. Please refer to your illustration for an explanation of the Reduction Amount. 2
3 If you should die within the first month from the start date of your Plan, your selected percentage for the Basic Cover will automatically be increased to 100%. Please refer to your illustration for the different costs relating to this protection option. Extra Cover You can increase the term of cover for your Short Term Premium Protection option from three to six months by selecting Extra Cover for the three month period after your Basic Cover has finished. If you should die after three months but within six months from the start date of your Plan, your Extra Cover will pay out an amount equal to your selected percentage of the total Single Premiums to both this Plan and your Immediate Lifetime Care Plan less the Reduction Amount. Once again at the outset of your Plan you select 25%, 50%, or 75% of your total Single Premiums to this Plan and your Immediate Lifetime Care Plan for your Extra Cover. However, the percentage you select must not be greater than the percentage you have selected for your Basic Cover. Please refer to your Illustration for the different costs relating to this protection option. What combinations of Basic and Extra Cover can I have for the Short Term Premium Protection option? The combinations allowed are shown in the table below: Basic Cover % Extra Cover % Chosen Chosen 25% 50% 75% 25% Yes No No 50% Yes Yes No 75% Yes Yes Yes How does the Long Term Premium Protection option work? At the outset of your Plan you select 25%, 50%, or 75% of the total Single Premiums to this Plan and your Immediate Lifetime Care Plan to be covered. If you should die the Long Term Premium Protection option will pay out an amount equal to your selected percentage of the total Single Premiums to both this Plan and your Immediate Lifetime Care Plan less the Reduction Amount. If you should die within one month of the start date of your Plan your selected percentage for the Long Term Premium Protection option will automatically be increased to 100%. No payment will be made if you should die on or after the date when the Reduction Amount exceeds your selected percentage of the total Single Premiums to both this Plan and your Immediate Lifetime Care Plan. Please refer to your illustration for the different costs relating to this protection option. 3
4 Key Features of the Immediate Lifetime Care Term Assurance Plan What about tax? The death benefit is paid free of personal income tax and capital gains tax although it will be part of your estate for inheritance tax purposes. Tax information is based on our interpretation of current legislation. Tax details are subject to change and their value will depend on individual circumstances. Your financial adviser will be able to give you more information about your own tax position. Further information How to contact us Your financial adviser will normally be your first point of contact. If you have any questions, you can phone or write to us. Call us on: Monday to Friday 8.30am 5.30pm. As part of our commitment to quality service, telephone calls may be recorded. If you wish to exercise your right to cancel your Plan or to write to us for any other matter please use the following address: Friends Life (Lifetime Care) PO Box 582 Bristol BS34 9FX United Kingdom Or you can us at: Please note that this may not be secure and it is therefore possible that it could be intercepted and read. Please do not include any personal or confidential information. Client categorisation Friends Life categorises each investment customer as a retail client. This gives you the highest level of protection available under the Financial Conduct Authority Conduct of Business Rules. This includes access to the Financial Services Compensation Scheme or Financial Ombudsman Service. Please contact your financial adviser if you require further details. If a financial adviser recommends this plan, you have a legal right to compensation if the Financial Ombudsman Service decides it wasn t suitable for your needs at the time. However, you will not be covered for unsuitable advice unless this product was personally recommended to you by a financial adviser authorised by the Financial Conduct Authority. How to complain If you are not satisfied with any aspect of the service that you have received from us, please contact us using any of the methods detailed in the How to contact us section. Information regarding our formal complaints procedure is also available from the same contact points. Complaints we cannot settle may be referred to the Financial Ombudsman Service at: Exchange Tower Harbour Exchange Square London E14 9SR Telephone: or Website: complaint.info@financial-ombudsman.org.uk Making a complaint will not prejudice your right to take legal proceedings. 4
5 Compensation 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 plan, the scheme covers at least 90% of the claim. For further information see Alternatively, you can contact the FSCS on or Terms and conditions This Key Features document gives you a summary of the Immediate Lifetime Care Term Assurance Plan. It does not include all the definitions, exclusions, terms and conditions. These are shown in the conditions booklet. If you would like a copy please ask your financial adviser or contact us. Financial Advisers Where you have received information or advice the adviser will provide you with information regarding their identity, the capacity in which they are acting and their address for future communications. Law and language This Plan is governed by the Law of England and Wales. Your contract will be in English and we will always write and speak to you in English. Key Features document information If the illustration supplied to you contains an expiry date and you wish to make an application after this date, you should ask for a further illustration and Key Features document from your financial adviser. The date when the Key Features document was produced is shown at the end of the document. If you are not sure if you have the most up to date version you should ask your financial adviser. Visual impairment Large Text, Braille and Audio Tape versions are available on request. About Friends Life Friends Life Limited is the provider of the Lifetime Care range of plans. Friends Life Limited is entered on the Financial Services Register. Registration number:
6 Key Features of the Immediate Lifetime Care Term Assurance Plan Notes 6
7 Notes 7
8 Head office: PO Box 582, Bristol BS34 9FX. Friends Life 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. LTCKFDIMMTA (44687)
Retirement Key Features of the Lifetime Annuity
Retirement Key Features of the Lifetime Annuity IMPORTANT INFORMATION The Financial Conduct Authority is a financial services regulator. It requires us, AXA Wealth Limited, to give you this important information
More informationThe Personal Range Key Features of the Individual Personal Pension Transfer Value Account
The Personal Range Key Features of the Individual Personal Pension Transfer Value Account Reference MPEN11/F 07.15 The Financial Conduct Authority is a financial services regulator. It requires us, Friends
More informationAA 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 informationAA 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 informationTHE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA)
IMPORTANT DOCUMENT PLEASE READ THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA) NON-ADVISED 02 The With Profits Individual Savings Account (ISA) KEY FEATURES OF THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT
More informationKey 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 informationKEY FEATURES AND POLICY TERMS AND CONDITIONS.
PARENT FREE LIFE COVER KEY FEATURES PARENT AND POLICY FREE TERMS LIFE AND COVER CONDITIONS 1 KEY FEATURES AND POLICY TERMS AND CONDITIONS. This is an important document which you should keep in a safe
More informationKey Features for an additional investment into the Investment Portfolio Bond
Key Features for an additional investment into the Investment Portfolio Bond Reference XINV16/Z 22.05.2014 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life,
More informationFriends Life Protection Account Key features of Life Cover
Protection Friends Life Protection Account Key features of Life Cover Why is this document important? The Financial Services Authority is the independent financial services regulator. It requires us, Friends
More informationKey Features of the Stocks & Shares ISA
Key Features of the Stocks & Shares ISA Reference NGS250/A 06.14 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life Investment Solutions Limited, to give you
More informationKEY FEATURES. CASH-OUT RETIREMENT PLAN
1 KEY FEATURES OF OUR CASH-OUT RETIREMENT PLAN CASH-OUT RETIREMENT PLAN KEY FEATURES. For customers who are not receiving financial advice. This is an important document that you should keep in a safe
More informationHow To Know If You Should Get A Life Insurance Policy From Friends Life And Pensions (Fscs)
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 informationPolicy Summary of Life Cover
Policy Summary of Life Cover FLIP/4573/Jan14 This policy summary contains key information about Friends Life Individual Protection Life Cover. You should read this summary carefully and keep it in a safe
More informationKEY 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 informationKey Features. Pension Annuity. This brochure outlines the key features of the Just Retirement Pension Annuity. Contents
Pension Annuity Key Features This brochure outlines the key features of the Just Retirement Pension Annuity. The Financial Conduct Authority is a financial services regulator. It requires us, Just Retirement,
More informationKey Features. Pension Annuity. This brochure outlines the key features of the Just Retirement Pension Annuity. Contents
Pension Annuity Key Features This brochure outlines the key features of the Just Retirement Pension Annuity. The Financial Conduct Authority is a financial services regulator. It requires us, Just Retirement,
More informationKey Features of the Just Retirement. Key Features of the Just Retirement Fixed Term Annuity
Key Features of the Just Retirement Fixed Term Annuity This brochure outlines the key features of the Just Retirement Fixed Term Annuity. The Financial Conduct Authority is a financial services regulator.
More informationKey features of the Investment Bond
Key features of the Investment Bond Helping you decide This important document gives you a summary of the Sterling Investment Bond. Please read this with your illustration before you decide to invest,
More informationAIG 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 informationKEY 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 informationKEY 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 informationImportant 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 informationKEY 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 informationAIG 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 informationKey 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 informationKey features of Zurich Accidental Death Cover
Key features of Zurich Accidental Death Cover Contents Helping you decide This important document gives you a summary of Zurich Accidental Death Cover. Please read this and keep it for future reference.
More informationKey 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 informationRIAS 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 informationKey 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 informationAIG 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 informationKey Features of the Stocks & Shares ISA
Key Features of the Stocks & Shares ISA Reference NGS250/A 05.16 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life Investment Solutions Limited, to give you
More informationAIG 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 informationKey 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 informationYour 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 informationKey Features of the Prudential Personal Pension Scheme
Key Features of the Prudential Personal Pension Scheme Important information you need to read The Financial Conduct Authority is the independent financial services regulator. It requires us, Prudential,
More informationAIG 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 informationinsurance 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 informationOver 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 informationYour 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 informationPurchased Life Annuity Key Features
Purchased Life Annuity Purchased Life Annuity Key Features This document shows the main points about your annuity. Please read it with your Personal Example and keep them with your documents relating to
More informationGuaranteed Annuity. Key Features. This is an important document and you should read it before deciding whether to buy your pension annuity from us
Guaranteed Annuity Key Features This is an important document and you should read it before deciding whether to buy your pension annuity from us 2 Purpose of this document Guaranteed Annuity Key Features
More informationTax Advantaged Life Assurance Plan
Key features of the Tax Advantaged Life Assurance Plan NP120003A01 (PW119130A01) Tax Advantaged Life Assurance Plan KFD Page 1 of 10 This key features document gives you the main points about the plan.
More informationKey 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 informationImmediate Vesting Personal Pension Plan Key features
Immediate Vesting Personal Pension Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is the independent financial services regulator.
More informationKey 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 informationImportant 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 informationAIG 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 informationPost 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 informationThe Retirement Account
The Retirement Account Key Features This is an important document and you should read it before deciding whether to buy your Retirement Account from us Purpose of this document This Key Features booklet
More informationEXCEPTED GROUP LIFE POLICY TERMS AND CONDITIONS.
EXCEPTED GROUP LIFE POLICY TERMS AND CONDITIONS. ABOUT THESE TERMS AND CONDITIONS. This document and our quote describe the Excepted Group Life Policy terms and conditions for employers who already insure
More informationPersonal Pension Transfer Plan. Key Features
Personal Pension Transfer Plan Helping you decide The Financial Conduct Authority is a financial services regulator. It requires us to give you this important information to help you to decide whether
More informationInstant 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 informationOver 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 informationImportant 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 informationRELEVANT 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 informationOver 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 informationImportant information. Key Features of the Guaranteed Pension Annuity
Important information Key Features of the Guaranteed Pension Annuity Important information The Financial Conduct Authority is a financial services regulator. Prudential is required to give you the important
More informationKey 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 informationZurich 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 informationAIG 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 informationKEY FEATURES OF THE INVESTMENT PORTFOLIO BOND. Important information you need to read
KEY FEATURES OF THE INVESTMENT PORTFOLIO BOND Important information you need to read IMPORTANT INFORMATION THE INVESTMENT PORTFOLIO BOND IS PROVIDED BY CLERICAL MEDICAL. ALL COMMUNICATIONS AND INFORMATION
More informationKey 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 informationKEY FEATURES OF THE PHASED ANNUITY PLAN
KEY FEATURES OF THE PHASED ANNUITY PLAN The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life Company Ltd, to give you this important information
More informationKEY FEATURES OF THE RETIREMENT ACCOUNT
Key Features of the Royal London Retirement Account KEY FEATURES OF THE RETIREMENT ACCOUNT IMPORTANT INFORMATION YOU SHOULD READ 1 HOW TO CONTACT US If you have any queries relating to your Retirement
More informationLifetime 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 informationSaga 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 informationIt s flexible. Key features of the Flexible Income Annuity. Flexible Income Annuity
It s flexible Key features of the Flexible Income Annuity Flexible Income Annuity This is an important document and you should read it before deciding whether to buy your pension annuity from us Purpose
More informationFor customers Key features of the Relevant Life policy
For customers Key features of the Relevant Life policy The Financial Conduct Authority is a financial services regulator. It requires us, Aegon, to give you this important information to help you to decide
More informationKey Features of our Guaranteed Pension Annuity. Guaranteed Pension Annuity
Key Features of our Guaranteed Pension Annuity The Financial Conduct Authority is a financial services regulator. It requires us, Hodge Lifetime, to give you this important information to help you decide
More informationKEY FEATURES OF THE MORTGAGE REVIEW PLAN. Important information you need to read
KEY FEATURES OF THE MORTGAGE REVIEW PLAN Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU THIS IMPORTANT
More informationThe Personal Range Key Features of the Individual Personal Pension
The Personal Range Key Features of the Individual Personal Pension Reference MPEN11/A 04.16 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life and Pensions
More informationPost 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 informationPolicy Summary of Friends Life Individual Protection Critical Illness with Life Cover
Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover FLIP/4569/Mar15 This policy summary gives you important information about the Friends Life Individual Protection Critical
More informationPolicy Summary of Friends Life Individual Protection Critical Illness with Life Cover
Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover FLIP/4569/Mar15 This policy summary gives you important information about the Friends Life Individual Protection Critical
More informationKEY FEATURES OF THE SELF-INVESTED PERSONAL PENSION (SIPP) FOR INCOME DRAWDOWN OR PHASED RETIREMENT. Important information you need to read
KEY FEATURES OF THE SELF-INVESTED PERSONAL PENSION (SIPP) FOR INCOME DRAWDOWN OR PHASED RETIREMENT Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR.
More informationSaga 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 informationKey features of the smart + stocks & shares ISA from AXA Self Investor
Key features of the smart + stocks & shares ISA from AXA Self Investor Important information The Financial Conduct Authority (FCA) is a financial services regulator. It requires us, AXA Portfolio Services
More informationINVESTING WITH IPS. This brochure supports the Key Investor Information Document.
1 INVESTING WITH IPS LEGAL & GENERAL INVESTOR PORTFOLIO SERVICE (IPS) INVESTING WITH IPS. This brochure supports the Key Investor Information Document. 2 INVESTING WITH IPS WELCOME TO THE INVESTOR PORTFOLIO
More informationKEY 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 informationFriends Life Investment Bond Guide. Provided by: Brought to you by:
Friends Life Investment Bond Guide Provided by: Brought to you by: Investment Bond Guide CONTENTS Contents Introducing our Investment Bond 3 Investment Bond charges 4 Investment funds 6 Managing your Investment
More informationProduct 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 informationKEY FEATurES of LEGAL & GEnErAL S PEnSIon AnnuITIES.
PEnSIon AnnuITIES KEY FEATurES of LEGAL & GEnErAL S PEnSIon AnnuITIES. Helping you make the right decisions for your future INsuRANCe. savings. INVesTMeNT MANAGeMeNT. 01 Key features of Legal & General
More informationYourLife Plan Family Income Benefi t Key Facts. Total & Permanent disability. Specifi ed Critical Illness. Terminal Illness. Long term sickness.
YourLife Plan Family Income Benefi t Key Facts Death Terminal Illness Specifi ed Critical Illness Long term sickness Total & Permanent disability Contents Section A: About YourLife Plan Page A1 What is
More informationlife insurance KEY FEATURES of your Plan
mortgage life insurance KEY FEATURES of your Plan Please read this information carefully ASDA Life Insurance plans are provided by Scottish Widows plc. These Key Features give you the main points about
More informationKey Features of The Red Rose Friendly Society Ltd Tax Exempt Endowment With-Profits Plan
The Financial Conduct Authority and the Prudential Regulation Authority are the independent financial services regulators. They requires us,., to give you this important information to help you to decide
More informationKey features of the Zurich Stocks and Shares ISA
Key features of the Zurich Stocks and Shares ISA Helping you decide This important document gives you a summary of the Zurich Stocks and Shares ISA. Please read this before you decide to invest, and keep
More informationKey Features. of the Suffolk Life SIPP (Deed Poll Scheme)
Key Features of the Suffolk Life SIPP (Deed Poll Scheme) This document is part of a set, all of which should be read together. Key Features Your Personal Illustration Schedule of Fees Schedule of Allowable
More informationlife insurance KEY FEATURES of your Plan Please read this information carefully
life insurance KEY FEATURES of your Plan Please read this information carefully ASDA Life Insurance plans are provided by Scottish Widows plc. These Key Features give you the main points about the Scottish
More informationi2live Annuity Key features
i2live i2live Annuity Key features This is an important document. Please read it alongside your personal illustration and the Customer Fund Guide and keep it safe for future reference. About this document
More informationPolicy Terms and Conditions
TERM Life Insurance Policy Terms and Conditions Contents Section 1: Introduction 1 Section 2: Definitions 1 Section 3: The Policy 2 Section 4: Eligibility and Application 3 Section 5: Policy Benefits -
More informationKey Features of the NHS Additional Voluntary Contributions (AVC) Scheme
Key Features of the NHS Additional Voluntary Contributions (AVC) Scheme Important information you need to read The Financial Conduct Authority is a financial services regulator. It requires us, Prudential,
More informationKey Features Document
Key Features Document Customer Services Freephone: 0800 169 7733 Main switchboard: 020 8546 7733 Office hours: Monday to Friday, 9am to 6pm E-mail csd@uk.combined.com Website www.combinedinsurance.co.uk
More informationLifetime 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 informationPOLICY 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 informationPolicy 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 informationZURICH SIMPLE LIFE INSURANCE
ZURICH SIMPLE LIFE INSURANCE Key facts Helping you decide This important document gives you a summary of Zurich Simple Life Insurance. Please keep it for future reference. About Zurich Simple Life Insurance
More informationLV= LIFE LV= LIFE INSURANCE
LV= LIFE LV= LIFE INSURANCE INSURANCE Key features of the LV= Life Insurance plan The Financial Conduct Authority is a financial services regulator. It requires us, LV=, to give you this important information
More informationPolicy 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