YOUR NFU MUTUAL WHOLE OF LIFE ASSURANCE YOUR POLICY DOCUMENT

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1 YOUR NFU MUTUAL WHOLE OF LIFE ASSURANCE YOUR POLICY DOCUMENT

2 The person named in the schedule as the policyholder has become a member of The National Farmers Union Mutual Insurance Society Limited, NFU Mutual (see the memorandum and articles of association of NFU Mutual for details of what this means) and has proposed to NFU Mutual for insurance cover. This policy document and the schedule with it ( the policy ) set out the terms of the contract between NFU Mutual and the policyholder named in the schedule. Any alteration to the policy ( endorsement ) will also form part of the policy. In return for payments made by the policyholder to NFU Mutual, we will pay the benefits of the policy to the policyholder or any other person who is entitled to receive them under the terms and conditions of the policy. Signed on behalf of NFU Mutual on the due date stated in the schedule. Tim McKeon Head of Life Services

3 POLICY TERMS AND CONDITIONS CONTENTS Definitions Proof of the date of birth of the life assured and 03 what happens if you gave us the wrong date 2. When does the policy pay out? 3. What happens if the life assured commits suicide? 4. Paying your premiums 5. What happens if you are late paying a premium? 6. What happens if you stop paying premiums or do not pay within a period of grace? 7. How you can apply to restart paying premiums How to make a claim 9. How you can cash in the policy 10. How to notify us if you transfer ownership of the policy to someone else 11. When the policy will not provide cover 12. The law governing the policy and changes to it Charitable assignment condition Whole Of Life Assurance 01

4 DEFINITIONS The definitions below give the meanings of words we use throughout policy terms and conditions 1 to 12 and in the schedule, where they will appear in bold text. They do not apply to policy condition 13, which has defined terms contained within it. Throughout the policy words that we use in the singular will also include words in the plural, and words of the masculine gender will also include those of the feminine, unless the context requires otherwise. A reference to an Act of Parliament, or other regulation, includes any amendments or replacements after the date this policy is issued. annual bonus means a bonus we may add each year to the sum assured for your policy. Once we have added an annual bonus we cannot change it or take it away, as long as you keep paying premiums on the due date and do not make any changes to the policy. application date means the date you applied to buy the policy. It is stated in your schedule. assignment means the legal transfer of ownership of the policy, by the policyholder (the assignor) to another person or company (the assignee) as evidenced by a notice of assignment. death benefit means the death benefit shown on the schedule except that it will be reduced if the policy has been made paid up under condition 6. due date means the day in each month or year, as stated in your schedule when premiums are due. The schedule may include a special provision to allow monthly premiums instead of the yearly amount shown. endorsement means a signed document we may issue to confirm an alteration or amendment to the policy. It forms part of the policy. life assured means any person named in the schedule whose life is covered by the policy. paid up means when you have stopped paying premiums and your sum assured has been reduced under condition 6.2. policy means the policy document and the schedule with it. policyholder means the person named in the schedule, who is the legal owner of the policy. premium means a series of payments you make either monthly or yearly on the due dates, in return for the cover set out in the schedule. registered office means the registered office of The National Farmers Union Mutual Insurance Society Limited, which is at Tiddington Road, Stratford upon Avon, Warwickshire, CV37 7BJ. schedule means a schedule issued as part of this policy, including any amendments made to it by endorsement and/or by the issue of replacement schedules. start date means the date when the policy starts, as shown on the schedule. sum assured means the sum assured shown on the schedule. terminal bonus means a final bonus we may add when we pay out the death benefit under condition 2, or if you cash in your policy earlier under condition 9. we us or our means The National Farmers Union Mutual Insurance Society Limited ( NFU Mutual ). you or your means the policyholder, as named in the schedule, or the policyholder s legal personal representative, or any person we are satisfied is authorised to act on the policyholder s behalf. 02

5 1 PROOF OF THE DATE OF BIRTH OF THE LIFE ASSURED AND WHAT HAPPENS IF YOU GAVE US THE WRONG DATE 1.1 Before we pay a claim under the policy we must receive satisfactory proof of the age of the life assured. 1.2 If we have earlier been advised of an incorrect date of birth, we will recalculate the level of benefit using the correct date of birth and the actual premiums paid. 2 WHEN DOES THE POLICY PAY OUT? 2.1 If the life assured dies during the period of cover, we will pay the death benefit to the person who is legally entitled to it. 2.2 If the policy covers two lives assured we will pay the death benefit when the second person dies. 3 WHAT HAPPENS IF THE LIFE ASSURED COMMITS SUICIDE? 3.1 We will not be liable to pay a claim under condition 2 if the life assured commits suicide within 12 months of: (a) the start date, or (b) the date of restarting the policy under condition Condition 3.1 will not apply if, before the date of death, we have been notified of a transfer of ownership under condition 10, and the transfer was not made as a gift. 4 PAYING YOUR PREMIUMS 4.1 The schedule shows how much your yearly premium is, and the date you must pay it each year. 4.2 If you have arranged with us to pay the yearly amount as monthly premiums, the schedule will confirm this in the special provisions section. The first monthly premium will be due on the date the first yearly premium would have been due. 4.3 We will request the premiums from your bank account when they are due during the period over which they are payable, as shown in the schedule, or until we pay a claim under condition 2. 5 WHAT HAPPENS IF YOU ARE LATE PAYING A PREMIUM? 5.1 If we do not receive a yearly or monthly premium on the due date, we will give you a period of grace of six calendar months to pay it. We will not allow a period of grace for the first premium. 5.2 If you make a claim during a period of grace, we will deduct any overdue premiums from any amount we are due to pay out for the claim. 6 WHAT HAPPENS IF YOU STOP PAYING PREMIUMS OR DO NOT PAY WITHIN A PERIOD OF GRACE? 6.1 If you have held the policy and paid premiums for at least two years, you can ask us to make the policy paid up. 6.2 If the policy is made paid up we will tell you what the revised sum assured is. The death benefit will be based on this revised sum assured. Whole Of Life Assurance 03

6 7 HOW YOU CAN APPLY TO RESTART PAYING PREMIUMS 7.1 You can apply to restart premiums within six months of when your first unpaid premium was due. You must apply in writing to our registered office, unless we have notified an alternative method of communication to you. 7.2 To do this: (a) (b) (c) you must provide us with any evidence we ask for about the health of the life assured at the time you must pay all unpaid premiums that are due you must pay a late payment fee of 1.5% of the total premiums due. 7.3 We have the right to refuse your application to restart the policy if we reasonably believe that since the last premium was paid the likelihood of a claim has increased. 8 HOW TO MAKE A CLAIM 8.1 Only one claim can be paid under the policy. 8.2 To make a claim under condition 2 you must write to our registered office, unless we have notified an alternative method of communication to you. 8.3 We will only pay the claim when we have received satisfactory proof of the death, and appropriate documentation confirming that the person claiming is legally entitled to it. 8.4 We will pay the death benefit to the person who is legally entitled to it. The policy will end when we pay the claim and we will have no further liability under it. 9 HOW YOU CAN CASH IN THE POLICY 9.1 You can ask us to cash in the policy, in return for a lump sum. Your request must be in writing to our registered office, unless we choose to accept an alternative method of communication at the time. 9.2 We will cash in your policy using the value that applies on the day we receive your instructions. 9.3 We may also pay a terminal bonus 9.4 The policy will end when you cash it in. We will have no further liability to you under it. 10 HOW TO NOTIFY US IF YOU TRANSFER OWNERSHIP OF THE POLICY TO SOMEONE ELSE You must send the notice of assignment to our registered office. 11 WHEN THE POLICY WILL NOT PROVIDE COVER 11.1 We will not pay a claim under condition 2 and we have the right to cancel the policy, if: (a) (b) at the time you apply for the policy, or when making the claim, you do not answer all our questions truthfully, accurately and completely to the best of your knowledge or you do not provide all the information we ask for. you did not tell us about any of the changes listed below, that happened between the time you made your application for the policy (or for restarting the policy) and the start date (or restart date) and the change would have affected our decision whether or not to accept your application (or restart your policy), or the disclosure would have been material to the claim. 04

7 Changes to the life assured s: health family medical history occupational duties overseas travel country of residence hazardous leisure activities 12 THE LAW GOVERNING THE POLICY AND CHANGES TO IT 12.1 The law of England will apply to this policy unless the policyholder has agreed otherwise with us before the policy is issued If, during the lifetime of the policy, there is a change in the law or in regulation (or how they are interpreted) that directly or indirectly affects the policy, we may alter the policy conditions but any alteration will reasonably reflect such changes. This includes any change affecting the tax treatment of the policy If we amend or alter the policy conditions for this purpose, we will issue an endorsement. Any endorsement we issue will form part of the policy We may need to make deductions from the policy, or alter the benefits payable under it, to meet our regulatory or legal obligations under: (a) (b) (c) the Financial Services Compensation Scheme the Financial Services and Markets Act 2000 any other legal or regulatory requirement affecting the policy directly or indirectly. but any deduction will reasonably reflect such obligations. 13 CHARITABLE ASSIGNMENT CONDITION This condition forms part of the terms on which YOUR policy is issued. Words printed in capitals in this condition are explained in paragraph 4 below Unless paragraph 3 applies, YOU agree with US and the CHARITY that YOU will transfer to the CHARITY the right to any WINDFALL which YOU would otherwise be entitled to receive in respect of the policy and any renewal or reissue of it To ensure that the agreement YOU have entered into in paragraph 1 can be effectively carried out: (a) (b) (c) (d) (e) YOU authorise US to transfer any WINDFALL direct to the CHARITY; YOU agree to sign any documents and to do anything else which may be needed to transfer any WINDFALL, and YOUR right to receive the WINDFALL, to the CHARITY; YOU appoint US and any of OUR officers and (as a separate appointment) the CHARITY and any of its officers to be YOUR agent to take any of the steps mentioned in (b) above on YOUR behalf; YOU authorise US to provide the CHARITY with any information it reasonably requires about YOU and any policy YOU hold with US, and YOU consent to US and the CHARITY holding and processing such information for this purpose; YOU cannot revoke the authority contained in (a) or (d) above, or the appointment contained in (c) above. Whole Of Life Assurance 05

8 13.3 Paragraph 1 shall not apply in respect of any WINDFALL which arises from a BUSINESS TRANSFER to any company or other body corporate which is at the time of such transfer OUR subsidiary, in circumstances where such transfer is not in any way related to a DEMUTUALISATION or to any sale or other disposal (or proposed sale or other disposal) of such subsidiary In this condition: (a) (b) (c) the CHARITY is the NFU Mutual Charitable Trust Limited or, if it ceases to exist, any other charity which becomes entitled to the benefit of the agreement YOU have entered into in paragraph 1; BUSINESS TRANSFER means a transfer of part or all of OUR business to any other person, firm or company; DEMUTUALISATION means a change (or proposed change) in OUR constitution or corporate status (whether or not involving or associated with a BUSINESS TRANSFER) which has the effect that WE cease to be a MUTUAL ORGANISATION; (d) (e) (f) (g) MUTUAL ORGANISATION means a company or other body whose constitution limits membership and voting rights wholly or mainly to persons purchasing goods or services from it or otherwise trading with it; WE, US and OUR refer to The National Farmers Union Mutual Insurance Society Limited and any company or other organisation which becomes entitled to all or part of its business; a WINDFALL means any benefit to which YOU become entitled as one of OUR members on or in connection with any future BUSINESS TRANSFER or DEMUTUALISATION; YOU and YOUR refer to OUR member under the policy. 06

9 Whole Of Life Assurance 07

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12 nfumutual.co.uk NFU Mutual is The National Farmers Union Mutual Insurance Society limited (No ). Registered in England. Registered Office: Tiddington Road, Stratford upon Avon, Warwickshire CV37 7BJ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. A member of the Association of British Insurers. For security and training purposes, telephone calls may be recorded and monitored. POL/WOL/

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