Key Features of Life Insurance

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1 Key Features of Life Insurance

2 Life Insurance Key Features The Financia Conduct Authority is a financia services reguator. It requires us, Aviva, to give you this important information to hep you to decide whether our Life Insurance is right for you. You shoud read this document carefuy so that you understand what you are buying, and then keep it safe for future reference. This Key features document gives you the main points of your pan, which provides an amount of ife insurance for a fixed term. Your iustration shows what payments you make for your chosen amount of ife insurance. Pease read them so you understand what you re buying and then keep them with your pan documents. Its aims Risks The eve cover options aims to pay a guaranteed cash sum if you die during the pan term or are diagnosed as suffering from a termina iness. The decreasing cover option aims to pay a guaranteed cash sum to hep pay the rest of a oan if you die during the pan term or are diagnosed as suffering from a termina iness. The pan ony pays out once. If we do pay out after you make a caim for termina iness, your pan wi end. Your commitment If you don t make your payments, your pan and your cover wi end 30 days after the payment was due. You get nothing back. This pan has no cash-in vaue at any time. If you don t provide any information we ask for, we may not pay out under the pan. This pan is not guaranteed to pay off your oan (if this is the purpose of the pan). The repayment guarantee does not appy in a circumstances. The next section caed Questions and answers expains more on this. To make sure you answer a the questions on your appication correcty to the best of your knowedge. Faiure to do so may resut in the pan being amended, canceed or the non-payment of a caim. To pay reguar monthy payments over the pan term.

3 Questions and answers What is Life Insurance? The eve cover option is an insurance pan that pays out a guaranteed cash sum if you: die during the term of the pan or are diagnosed as suffering from a termina iness. The decreasing cover option is an insurance pan designed to cover a of a repayment oan, or just part of it. The amount of cover decreases each month, broady in ine with the outstanding baance on a repayment oan with an interest rate of 6%. It pays out a cash sum if you: die during the term of the pan or are diagnosed as suffering from a termina iness. For decreasing cover, the cash sum is guaranteed to pay off the outstanding oan amount covered by the pan when you die or are diagnosed as suffering from a termina iness, if a of the foowing appy: the yeary oan interest rate at the time the pan is taken out is under 10% the difference between the ife insurance amount and the outstanding oan is due soey to a higher rate of interest being charged on the oan rather than the interest rate used in the cacuation of the tabe of benefits in the pan schedue the amount of cover at the start of the pan is at east the size of the oan (or the part of the oan the pan covers) this pan does not end before your oan. This is caed the repayment guarantee. You can take out the pan on your own or with someone ese. The cash sum is payabe on the first caim ony. You can take this pan out from age 18 but it must end before your 70th birthday. The minimum term is three years. How fexibe is it? This pan is not designed to be fexibe. You can t ater the pan once it s started. When does the pan pay out? We pay out what the pan is worth if you die during the pan term. For the eve cover option, this wi be the fixed amount that you chose when you took the pan out. For the decreasing cover option, this wi depend on how ong the pan has been running, as the eve of cover reduces over time. We aso pay out what the pan is worth if you are diagnosed as suffering from a termina iness during the pan term and you aren t ikey to ive more than 12 months. What other benefits can I choose? You can t choose any other benefits with this pan. When wi the pan NOT pay out? We won t pay out the ife insurance amount if a caim for termina iness benefit has been accepted and paid. We won t pay out the ife insurance amount if you die as a resut of intentiona sef-inficted injury or committing suicide within the first 12 months of taking out your pan. We won t pay out termina iness benefit if you are diagnosed after the pan has ended or if you are expected to ive onger than 12 months. Fu detais of the excusions can be found in the pan Terms and Conditions. What wi my monthy payments be? Your monthy payment wi be confirmed to you. Your payments are based on the amount of cover you choose and your persona circumstances. Your payments must be paid monthy by direct debit. The minimum payment is 5 a month

4 What are the charges? A charges are incuded in your monthy payment. This incudes providing and administering your pan. What if I stop paying? Your pan and cover wi end after 30 days from the date the ast premium was due. You won t get back any payments you ve made. What about tax? The cash sum paid on death and termina iness is currenty free from income tax and capita gains tax. It may be subject to inheritance tax uness you put your pan in trust. Pease ask us for detais on our trusts and for an expanatory booket. Tax rues may change. Can I change my mind? You can change your mind within 30 days from the ater of: the day you are advised that the contract is concuded the day you receive your pan documents. If you change your mind and don t want the pan, you need to fi in and return your canceation notice. If we receive the competed canceation notice within the 30 days, we give you your money back. Your pan wi continue if we don t receive your canceation notice within the 30 days. The canceation notice wi incude the address you must send it to if you change your mind about your pan. Aternativey, you can contact us at the address given beow. How to contact us If you have any questions at any time, you can phone, e-mai or write to us. Ca us on Opening hours are Monday to Friday 8am 8pm, Saturday 9am 5pm and Sunday 10am 4pm. Cas may be recorded for our joint protection. Outside of these hours, you can use the same number and eave a message on our answer phone. E-mai: Write to us at: Aviva Life Services Foor 1, Horizon Broadand Business Park, Norwich NR7 OWE. How to make a caim A caim can be made by contacting our Life Caims department on

5 Other information How to compain If you ever need to compain, first write to us at the above address. If you re not satisfied with our response, you can compain to: Financia Ombudsman Service Exchange Tower London E14 9SR Teephone number: Emai: Terms and conditions Law This Key features document ony gives a summary of our Life Insurance. You shoud aso see the fu terms and conditions. You may aready have a copy or you can contact us direct to request one. Aternativey, if you are buying onine, you can obtain a copy from the website. We won t be iabe to pay any benefit unti: you ve competed the appication process, and we ve received vaid bank account detais to coect payments. The aw of Engand wi appy in ega disputes and your contract wi be written in Engish. We aways write and speak to you in Engish. Potentia Conficts of Interest Occasions can arise where Aviva pc Group Companies, or their appointed officers, wi 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, confict with your interests, we wi take a reasonabe steps to manage that confict of interest, in whatever manner is considered appropriate in the circumstance. This wi be done in a way which ensures a customers are treated fairy and in accordance with proper standards of business. Cient Cassification The Financia Conduct Authority has defined three categories of customer. You have been treated as a retai cient, which means that you wi be provided with the highest eve of protection provided by the Financia Conduct Authority rues and guidance. Compensation Quaified advisers wi recommend that you buy products suitabe for your needs. You have ega rights to compensation if at any time it s decided that you ve bought a pan that wasn t suitabe for your needs at that time. The Financia Services Compensation Scheme covers your pan. It cover you if Aviva becomes insovent and is unabe to meet its obigations under this pan. You may be covered for 90% of the tota caim, with no upper imit.

6 Braie, arge font, audio materia You can order our iterature in Braie, arge font or audio. Just ca or emai and te us: the format you want your name and address the name or code of the document. The code is usuay in the bottom eft hand corner on the back of most documents. The Customer Ca Centre is open Monday to Friday, 8 am to 8 pm, and Saturday from 8.30 am to 5 pm. Aviva Life & Pensions UK Limited. Registered in Engand No Rougier Street, York, YO90 1UU. Authorised by the Prudentia Reguation Authority and reguated by the Financia Conduct Authority and the Prudentia Reguation Authority. Firm Reference Number aviva.co.uk LD /2014 Aviva pc

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