NFU MUTUAL MORTGAGE TEMPORARY ASSURANCE YOUR POLICY DOCUMENT

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1 NFU MUTUAL MORTGAGE TEMPORARY 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 start date stated in the schedule Tim McKeon Head of Life Services

3 POLICY TERMS AND CONDITIONS CONTENTS Definitions Proof of the life assured s date of birth and what happens if you gave us the incorrect date 2. When does the policy pay out? 3. Paying your premiums during the period of cover 4. What happens if you are late paying a premium? 5. What happens if you stop paying premiums or do not pay within a period of grace? How you can apply to restart a cancelled policy 7. What happens if the life assured commits suicide? 8. What happens if you change your mortgage term? 9. What happens if you move house or increase your mortgage? 10. How to make a claim How to notify us if you transfer ownership of the policy to someone else 12. When the policy will not provide cover 13. The law governing the policy and changes to it 14. Charitable assignment condition Mortgage Temporary Assurance 01

4 DEFINITIONS The definitions below give the meanings of words we use throughout policy terms and conditions 1 to 13 and in the schedule, where they will appear in bold text. They do not apply to policy condition 14, which has specific 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. 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. 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. end date means the date the policy ends. 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. mortgage means the loan which the borrower is responsible for repaying to the lender, in regular level instalments, during the mortgage term. period of cover means the period starting on the start date and ending on the end date, as shown in the schedule. 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. sum assured means the initial sum assured shown on the schedule, which reduces on the first day of each month after the start date. The reduction is not based on the amount actually outstanding under the mortgage. It is calculated on the assumption that the mortgage has a fixed rate of interest of 9% over the whole of the mortgage term, and that all instalments of capital and interest have been paid in full. start date means the date when the policy starts, as shown on the schedule. 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. 1. PROOF OF THE LIFE ASSURED S DATE OF BIRTH AND WHAT HAPPENS IF YOU GAVE US THE INCORRECT DATE 1.1 Before we pay a claim under the policy we must receive satisfactory proof of the life assured s age. 1.2 If we have 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 We will pay the sum assured to the person who is legally entitled to it if, during the period of cover and providing the policy has not been cancelled, the life assured dies. 2.2 If the policy covers two lives assured we will pay the sum assured when the first person dies. 2.3 The schedule shows any restrictions we have put on your cover. 3. PAYING YOUR PREMIUMS DURING THE PERIOD OF COVER 3.1 The schedule shows how much your yearly premium is, and the date you must pay it each year. 3.2 If you have arranged with us to pay the yearly amount by 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. 3.3 We will request the premiums from your bank account when they are due, until the end date or until we pay a claim under condition WHAT HAPPENS IF YOU ARE LATE PAYING A PREMIUM? 4.1 If we do not receive a yearly or monthly premium on the due date, we will give you a period of grace of one calendar month to pay it. We will not allow a period of grace for the first premium. 4.2 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. 02

5 5. WHAT HAPPENS IF YOU STOP PAYING PREMIUMS OR DO NOT PAY WITHIN A PERIOD OF GRACE? 5.1 We will cancel your policy if you do not pay any yearly or monthly premium by the end of a period of grace, as described in condition You will no longer be able to make a claim under the policy, and you will not get any money back from it. 6. HOW YOU CAN APPLY TO RESTART A CANCELLED POLICY 6.1 If we cancel your policy because you did not pay any premium within a period of grace, you can apply to restart it 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. 6.2 To do this: (a) you must provide us with any evidence we ask for about the health of the life assured at the time, (b) you must pay all unpaid premiums that are due, (c) you must pay a late payment fee of 1.5% of the total premiums due. 6.3 We have the right to refuse your application to restart the policy if we reasonably believe: (a) the likelihood of a claim has increased since, or (b) that there is the risk of a claim occurring within a shorter period than was the case at the date on which, the last premium was paid. 7. WHAT HAPPENS IF THE LIFE ASSURED COMMITS SUICIDE? 7.1 We will not be liable to pay a claim under condition 2.1 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 7.1 will not apply if, before the date of death, we have been notified of a transfer of ownership under condition 11, and the transfer was not made as a gift. 8. WHAT HAPPENS IF YOU CHANGE YOUR MORTGAGE TERM? 8.1 If you change the term of your mortgage, we will allow you to cancel the policy and take out a new policy of the same type if the conditions in 8.3 are met. The new policy will cover the same life assured, for the altered mortgage term. You will not need to provide us with any more medical evidence. 8.2 To request this option you must let us know within 30 days of changing your mortgage. You must apply in writing to our registered office, unless we have notified an alternative method of communication to you. 8.3 At the time of your request: (a) we must be offering this type of policy; (b) the life assured must be under 65 years old; (c) the end date of the new policy must not be more than 5 years later than the end date of your original policy; (d) the premium for the new policy will be based on the age of the life assured, and the premium rates and terms and conditions we offer for such policies at the time it starts. Any special terms or extra premium rates (above our standard rates) that applied to your original policy will continue to apply to the new policy; and (e) the new mortgage term should correspond with the end date of the new policy. This date must be no later than the 70th birthday of the life assured. 9. WHAT HAPPENS IF YOU MOVE HOUSE OR INCREASE YOUR MORTGAGE? 9.1 If you move house or increase your mortgage amount, we will allow you to cancel the policy and take out a new policy of the same type if the conditions in 9.3 are met. The new policy will cover the same life assured. You will not need to provide us with any more medical evidence. 9.2 To request this option, you must let us know within 30 days of completing the purchase of your house, or increasing your mortgage. You must apply in writing to our registered office, unless we have notified an alternative method of communication to you. 9.3 At the time of your request: (a) the sum assured for the new policy must be no more than: (1) 150,000, or (2) 200% of the initial sum assured under your original policy; (b) we must be offering this type of policy; (c) the life assured must be under 65 years old; (d) the end date of the new policy must not be more than 5 years later than the end date of your original policy; (e) the premium for the new policy will be based on the age of the life assured, and the premium rates and terms and conditions we offer for such policies at the time it starts. Any special terms or extra premium rates (above our standard rates) that applied to your original policy will continue to apply to the new policy; Mortgage Temporary Assurance 03

6 (f) the new mortgage term should correspond with the end date of the new policy. This date must be no later than the 70th birthday of the life assured; and (g) the amount of your new repayment mortgage must be no less than the initial sum assured on the new policy. 10. HOW TO MAKE A CLAIM 10.1 Only one claim can be paid under the policy To make a claim under condition 2.1 you must write to our registered office, unless we have notified an alternative method of communication to you 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 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. 11. HOW TO NOTIFY US IF YOU TRANSFER OWNERSHIP OF THE POLICY TO SOMEONE ELSE 11.1 You must send the notice of assignment to our registered office. 12. WHEN THE POLICY WILL NOT PROVIDE COVER 12.1 We will not pay a claim under condition 2.1 and we have the right to cancel the policy, if: (a) at the time you apply for the policy (or for restarting 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; (b) 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), or the disclosure would have been material to the claim. Changes to the life assured s: health family medical history occupational duties overseas travel country of residence hazardous leisure activities 13. THE LAW GOVERNING THE POLICY AND CHANGES TO IT 13.1 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) the Financial Services Compensation Scheme, (b) the Financial Services and Markets Act 2000, (c) any other legal or regulatory requirement affecting the policy directly or indirectly, but any deduction will reasonably reflect such obligations. 14. 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. 1 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. 2 To ensure that the agreement YOU have entered into in paragraph 1 can be effectively carried out: (a) YOU authorise US to transfer any WINDFALL direct to the CHARITY; (b) 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; (c) 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; (d) 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; (e) YOU cannot revoke the authority contained in (a) or (d) above, or the appointment contained in (c) above. 04

7 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. 4 In this condition: (a) 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; (b) BUSINESS TRANSFER means a transfer of part or all of OUR business to any other person, firm or company; (c) 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) 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; (e) 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; (f) 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; (g) YOU and YOUR refer to the Member of NFU Mutual under the policy. Mortgage Temporary Assurance 05

8 06

9 Mortgage Temporary Assurance 07

10 08

11

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/MTA/ /RB

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