Kent Police Federation
|
|
- Barbra Walton
- 8 years ago
- Views:
Transcription
1 Kent Police Federation Personal Accident & Sickness, Critical Illness Benefit Scheme Effective from 1 January 2015
2 Summary of cover Kent Police Federation offers this scheme for Kent Police Officers. The scheme is administered on behalf of the Federation by Police Mutual. Benefits summaries attached Personal Accident and Sick Pay Critical Illness Who is covered? Any Serving member of Kent Police Federation who is paying contributions into the scheme by salary deduction (see code PAI on your payslip). Claims Claim forms can be obtained from your Federation office. Accident (including Unsociable Hours Benefit and Dependant Care costs) must be notified as soon as possible and in any case within 6 months from the date of the accident/incident Sickness/Half Pay Benefit must be notified within 6 months of pay being cut Claims for Court Award Compensation must be made within eighteen months of the award being made Critical Illness - claims should be notified within 90 days following diagnosis Who can join? How much does it cost? To join, you must have been actively at work, not on recuperative duties, in the eight weeks prior to making your application. Membership is open to any Serving Officer of Kent Police who is contributing to the Federation s voluntary fund, Superintendent s Association or ACPO. The premium is 6.20 per month. New recruit applicants are covered free of charge until they complete their first year of service, so long as they have signed to join the scheme on induction to the Force. How do I join? Contact the Federation Office at 66 & 67 Queen Elizabeth Square, Sutton Road, Maidstone, Kent, ME15 9BZ or call them on When does the cover end? Cover ceases if premiums stop for any reason or on retirement. You and Police Mutual The scheme aims to meet the demands and needs of a Member who require critical illness, personal accident and sickness insurance. You should ensure the cover is adequate for your needs. Police Mutual offer members of Kent Police this group scheme only. You will not receive advice or a recommendation from us and we will not charge you a fee for our services.
3 Personal Accident and Sickness Benefits Summary Sickness benefit per month whilst on Half/nil pay for up to 78 weeks Temporary Total Disablement (TTD) from usual occupation up to 104 weeks excluding first 7 days Hospitalisation unplanned (inc an accident) Hospitalisation planned 3 night excess 196 per week 42 a week 40 per night up to 90 nights 40 per night up to 7 nights Court award compensation (max per award) 500 Other Accident Benefits Permanent disablement from performing an occupation of any and every kind 48,000 Quadriplegia an additional payment of 25,000 Occupationally acquired HIV 24,000 Loss of limb, eye, speech or hearing (in both ears) 24,000 Loss of hearing in one ear 6,000 Coma benefit If remains in a permanent unconscious state Unsociable Hours Benefit 2 weeks excess Payable for 24 weeks Dependant Care Costs 25 per day up to 365 days 7.5% of basic scale pay (up to agreed maximums) 15ph max 200 per claim 1,000pa Other benefits apply for loss of fingers, toes and the like, as a result of an accident contact Police Mutual for more details. Dental Benefits Any accidental dental injury worldwide cover Up to 2,500 Emergency dental treatment for immediate pain relief, per incident, initial visit only Hospital cash maximum of 20 nights, if an inpatient having dental treatment (under care of dental or maxillofacial consultant care) Up to 200 in the UK Up to 400 rest of world 50 per night, Dentist call out fees to cover the cost of 100 an emergency Dental Call-Out where the dentist has had to reopen their practice outside working hours
4 Accident & Sickness Benefits Effective from 1st January 2015 Significant Features and Benefits Personal Accident and Sickness Insurance provides you with protection by paying lump sum benefits in the event of permanent injury or disablement, or regular weekly benefits in the event of sickness or temporary disablement caused by an accident or sickness. 24 hour worldwide cover, on or off duty Significant or unusual exclusions or limitation Where a pre-existing condition has contributed towards permanent disablement, the insurers reserve the right to negotiate a settlement for a reduced sum, to reflect the extent to which this condition has affected the claim. The main exclusions are for claims resulting from: The Insured Person taking part in aviation (other than travelling as a passenger) unless in the course of police duties, riding or driving in any kind of race or professional sport. Attempted suicide or intentionally inflicted self-injury or sickness Any claim where the incident occurred after the Insured Person s 65th birthday. War (whether declared or not), civil war, rebellion, revolution, insurrection, or civil commotion Main Conditions relating to benefit payments Payments are not normally made under more than one of the core benefits in respect of the same accident or sickness or the same period of disablement for the same insured person. Payments for Permanent Disablment shall only be payable upon certification by a qualified registered medical practitioner and not before the expiry of 52 consecutive weeks of disablement. Payment for Temporary Total Disablement following an accident shall be made at the end of the period of disablement Payment for Temporary Total Disablement following sickness shall be made either: at the end of the period of disablement, or at the insured person s request, at 4 weekly intervals in arrears subject to medical or other information required by the insurer The maximum amount payable in respect of Unsociable Hours Benefit shall be: 60 per week for Constables 75 per week for Sergeants 95 per week for Inspectors and Chief Inspectors The above is only a summary of the policy s terms and conditions. For further clarification, a full policy wording is available upon request.
5 Critical Illness Benefits Summary Effective from 1st January 2015 Benefit payable upon diagnosis of an insured critical illness: 10,000 WHAT CRITICAL ILLNESSES ARE COVERED? Alzheimer s Disease resulting in permanent symptoms Aorta Graft Surgery for disease Aplastic Anaemia with permanent bone marrow failure Bacterial Meningitis resulting in permanent symptoms Benign Brain Tumour resulting in permanent symptoms Blindness permanent and irreversible Cancer excluding less advanced cases Cardiomyopathy Chronic Lung disease Coma resulting in permanent symptoms Coronary Artery By-Pass Grafts with surgery to divide the breastbone Creutzfeld-Jakob Disease Deafness Dementia/Pre Senile Dementia Encephalitis resulting in permanent neurological deficit with persisting clinical symptoms Heart Attack of specified severity Heart Valve Replacement or Repair with surgery to divide the breastbone HIV and Blood Transfusion caught in the EU from a blood transfusion or at work Kidney Failure requiring dialysis Liver failure Loss of Hands or Feet the permanent physical severance of two or more limbs Loss of Speech Permanent and irreversible Major Organ Transplant Motor Neurone Disease resulting in permanent symptoms Multiple Sclerosis with persisting symptoms Paralysis of Limbs total and irreversible Parkinson s Disease resulting in Permanent symptoms Permanent Total Disability Primary Pulmonary Hypertension Progressive Supranuclear Palsy resulting in Permanent symptoms Rheumatoid Arthritis resulting in a loss of the ability to do specified physical activities Severe Burns Stroke resulting in Permanent symptoms Terminal Illness Traumatic Head Injury Critical illness cover pays out a lump sum if you are diagnosed with an insured illness that meets the policy definition, and you then survive for at least 28 days. The policy places the insured illnesses into groups; a member can claim once for conditions in a common group. Other than in the bona fide execution of police duty, no benefit shall be payable if a claim occurs directly or indirectly from: war (whether declared or not) other than civil war or any act incidental thereto, whilst the participant is engaged as a passenger, or otherwise, in aeronautics (other than as a fare-paying passenger) or underwater operations, any breach of the law by the participant, misuse of alcohol or drugs Taking part in any Hazardous Pursuit For further clarification on the conditions and exclusions the full policy wording is available upon request.
6 Regulatory Information This is a summary of the personal accident & sickness and critical illness scheme. The full terms and conditions are contained in policies issued by the insurers and available on request. The Critical Illness benefits are underwritten by The Ancient Order of Foresters Friendly Society Ltd. The Accident & Sickness section is underwritten by UK General Insurance Ltd on behalf of UK General Insurance (Ireland) Ltd. The scheme is administered by Police Mutual which is a trading name of PMGI Ltd. They are Kent Federation s appointed insurance brokers for this scheme and are regulated by the Financial Conduct Authority (FCA registration number ). Scheme terms and conditions may vary from time to time with the agreement of the Secretary of the Kent Police Federation. Complaints In the first instance, please raise any complaint with: Police Mutual, 3 Meridian Office Park, Osborn Way, Hook, Hampshire, RG27 9HY Telephone: Complaints which cannot be settled can be referred to Financial Ombudsman Service: South Quay Plaza, 183 Marsh Wall, London, E14 9RS Telephone: Financial Services Compensation Scheme In the unlikely event that the Insurers are unable to meet their liabilities, you may be able to claim compensation from the Financial Services Compensation Scheme (FSCS) Further Information on this case be obtained from the FCA or the FSCS..
Critical illness conditions covered
For financial adviser use Critical illness conditions covered Provider Alzheimer s Disease age 65 age 60 Aorta graft surgery for disease Benign brain tumour Blindness permanent and irreversible Cancer
More informationKey facts of AA Life Insurance with Critical Illness Cover
Key facts of AA Life Insurance with Critical Illness Cover The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life Limited, to give you important
More informationLevel, Renewable and Family Income Protection Key Features
Level, Renewable and Family Income Protection Key Features Lifetime Protection from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationAA Critical Illness with Life Cover Policy Summary
AA Critical Illness with Life Cover Policy Summary The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life and Pensions Limited, to give you important
More informationTerm Assurance INVESTMENTS PENSIONS PROTECTION
Term Assurance About Canada Life Established in 1903, the Canada Life Group has grown to be a modern and dynamic international financial services business. We are part of Great-West Life, one of the world
More informationTaking care of tomorrow
Friends Life Protection Account Critical Illness Cover Guide Taking care of tomorrow Critical Illness Cover Taking care of tomorrow Friends Life Critical Illness Cover is here for you through whichever
More informationMortgage Protection and Level Protection Key Features
Mortgage Protection and Level Protection Key Features Lifetime Protection Plan from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationKey Features of the Forester Life Mortgage Protection Options Plan. Key Features
Key Features of the Forester Life Mortgage Protection Options Plan The Financial Conduct Authority is a financial services regulator. It requires us, Forester Life, to give you this important information
More informationKey Features. Pegasus. Key features of the Pegasus Personal Assurance plan. Important information you need to read.
Pegasus Key Features Personal Assurance Plan Key features of the Pegasus Personal Assurance plan. Important information you need to read. The Financial Services Authority is the independent financial services
More informationGroup 2: Critical Illness Benefits
Group 2: Zurich s cover is designed to free yourself and your loved ones from the potentially devastating financial impact that follows diagnosis with a critical illness. 1. Level Term Life or Earlier
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 informationLow Start Critical Illness with Term Assurance Key Facts
Low Start Term Assurance Key Facts Contents Section A: About Low Start Page A1 What is Low Start? 4 A2 Low Start s aims A3 How does Low Start - Critical 4 Illness with Term Assurance work? A4 Your commitment
More informationKey features of Skandia Protect
Key features of Skandia Protect Flexible life and critical illness cover The Financial Conduct Authority is a financial services regulator. It requires us, Skandia, to give you this important information
More informationTHE MARKET AT A GLANCE.
1 BUSINESS PROTECTION SETTING UP BUSINESS PROTECTION POLICIES CRITICAL ILLNESS COVER COMPETITOR COMPARISON THE MARKET AT A GLANCE. We believe our Critical Illness Cover offers a competitive alternative
More informationPOLICY SUMMARY. This policy is provided by Legal & General Assurance Society Limited.
POLICY SUMMARY. This policy is provided by Legal & General Assurance Society Limited. OVERVIEW These policies are designed to meet the demands and needs of people who want to help protect against the impact
More informationKey Features of the NFU Mutual Level Temporary Assurance Policy with Critical Illness Cover PROTECTION
Key Features of the NFU Mutual Level Temporary Assurance Policy with Critical Illness Cover PROTECTION CONTENTS 03 Who should buy this product? Its Aims Your Commitment Risks What is the Level Temporary
More informationWhat do these mean?...
Protect your Home We recommend that once you have decided on your new mortgage you should protect your home as you never know what challenges life will throw at you. We are here to help you meet these
More informationThis document contains important information about the Lifestyle Plus Protection plan and you should read it along with your quote.
Key facts of the Lifestyle Plus Protection plan (October 2013) This document contains important information about the Lifestyle Plus Protection plan and you should read it along with your quote. This document
More informationabout our eselect Protection Life or Earlier Critical Illness Cover
about our eselect Protection Life or Earlier Critical Illness Cover We set out the main points about our eselect Protection Life or Earlier Critical Illness Cover below. Your personal illustration shows
More informationKey features of the Decreasing Mortgage Cover Plan Helping you decide
Key features of the Decreasing Mortgage Cover Plan Helping you decide This important document gives you a summary of the Decreasing Mortgage Cover Plan. Please read this with your illustration, if you
More informationWe have made the following changes to the Critical Illness events covered under our group critical illness policy.
We have made the following changes to the Critical Illness events covered under our group critical illness policy. March 2015 Because everyone needs a back-up plan 7 New critical illness events added to
More informationCRACKING GOOD COVER. Protection Personal Menu. royallondon.com
CRACKING GOOD COVER Protection Personal Menu royallondon.com WHAT S INSIDE A summary of our protection covers 4 Cover for you, your partner or both of you 5 Life Cover 6 Critical Illness Cover 7 The full
More informationKEY FEATURES OF: MORTGAGE PROTECTION PLANS. This is an important document which you should keep in a safe place.
INSURANCE LEGAL & GENERAL PROTECTION PLANS KEY FEATURES 1 KEY FEATURES OF: MORTGAGE PROTECTION PLANS This is an important document which you should keep in a safe place. Legal & General working in association
More informationThe Philip Williams and Company Insurance Management. Sickness and Accident Insurance Policy
BP/FFS/INTRO The Philip Williams and Company Insurance Management Sickness and Accident Insurance Policy For The Trustees of The Cheshire Police Federation Insurance Trust (The Insured) Underwritten By
More informationKEY FEATURES OF THE NFU MUTUAL MORTGAGE TEMPORARY ASSURANCE POLICY WITH CRITICAL ILLNESS COVER PROTECTION
KEY FEATURES OF THE NFU MUTUAL MORTGAGE TEMPORARY ASSURANCE POLICY WITH CRITICAL ILLNESS COVER PROTECTION The Financial Conduct Authority is a financial services regulator. It requires us, NFU Mutual,
More informationCombined Life & Critical Illness Protection Guaranteed Premiums. Policy Summary
Combined Life & Critical Illness Protection Guaranteed Premiums Policy Summary Combined Life & Critical Illness Protection Guaranteed Premiums Policy Summary In this summary, we try to help you by giving
More informationKey Features of the NFU Mutual Mortgage Temporary Assurance Policy with Critical Illness Cover PROTECTION
Key Features of the NFU Mutual Mortgage Temporary Assurance Policy with Critical Illness Cover PROTECTION CONTENTS 03 Who should buy this product? Its Aims Your Commitment Risks 04 What is the Mortgage
More informationLifeProtect. Serious illness cover. Protecting YOU FROM THE BIGGEST RISKS YOU LL FACE
LifeProtect Serious illness cover Protecting YOU FROM THE BIGGEST RISKS YOU LL FACE Important Note - Please read Zurich s Serious Illness Cover is subject to terms and conditions which are contained in
More informationKey Features of Mortgage Life Insurance
Key Features of Mortgage Life Insurance Improvements to our critical illness cover We are pleased to tell you that we ve added to our critical illness cover. The plan now includes improved critical illness
More informationGROUP PROTECTION. Group Critical Illness Cover. Technical guide for employers. Employee Benefits made easier by Legal & General
GROUP PROTECTION Group Critical Illness Cover Technical guide for employers Employee Benefits made easier by Legal & General Welcome to Legal & General We have been working with intermediaries, pension
More informationKey Features of: Family Protection Plans Mortgage Protection Plans
Key Features of: Family Protection Plans Mortgage Protection Plans This is an important document which you should keep in a safe place. Life Insurance 1 Using this document Introducing AA Life Insurance
More informationElixia 123 Personal Critical Illness Cover
Elixia 123 Personal Critical Illness Cover Key Features Your questions answered unum.co.uk Elixia 123 Personal Critical Illness Cover Key Features - your questions answered This key features document
More informationProvided by Legal & General Key features of: Term Assurance Term Assurance and Critical Illness Cover
Provided by Legal & General Key features of: Term Assurance Term Assurance and Critical Illness Cover This is an important document which you should keep in a safe place. Welcome to Churchill Thank you
More informationFor customers Friends Life Individual Protection. Childcover benefit
For customers Friends Life Individual Protection Childcover benefit Helping to protect the whole family Most parents don t want to think about what would happen if their child became critically ill. However,
More informationProtecting you and your world. Mortgage Protection. With Serious Illness Cover
Protecting you and your world Mortgage Protection With Serious Illness Cover Serious Illness Cover for your Mortgage from Caledonian Life Caledonian Life s Mortgage Protection policy offers you a cost-effective
More informationBusiness Plan - What You Need to Know
KEY FACTS OF OUR BUSINESS MENU PLAN Protection Business Menu Important information you should read WHAT S INSIDE See if our plan is right for you 3 The aims of our plan 3 Your commitment 4 The risks 4
More informationKey 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 informationINSURANCE KEY FEATURES OF: MORTGAGE PROTECTION PLANS. This is an important document which you should keep in a safe place.
INSURANCE KEY FEATURES OF: MORTGAGE PROTECTION PLANS This is an important document which you should keep in a safe place. 2 LEGAL & GENERAL PROTECTION PLANS KEY FEATURES USING THIS DOCUMENT. WHAT ARE KEY
More informationINSURANCE KEY FEATURES OF: BUSINESS PROTECTION PLANS. This is an important document which you should keep in a safe place.
INSURANCE KEY FEATURES OF: BUSINESS PROTECTION PLANS This is an important document which you should keep in a safe place. 2 LEGAL & GENERAL BUSINESS PROTECTION PLANS KEY FEATURES USING THIS DOCUMENT. WHAT
More informationZurich Life Risk Zurich Protection Plus
Product Summary Issued 1 March 2015 Zurich Life Risk Zurich Protection Plus Adviser use only Zurich Protection Plus is a flexible package which allows you to choose any combination of Death cover, TPD
More informationWe understand that you would want multiple coverage against critical illnesses
PROTECT Enhanced We understand that you would want multiple coverage against critical illnesses PRUmultiple crisis cover Medical advancements over the years have led to better survival and recovery rates
More informationKey features of the Level Protection Plan
Key features of the Level Protection Plan Helping you decide This important document gives you a summary of the Level Protection Plan. Please read this with your illustration, if you have one, before you
More informationAsteron Life Business Insurance
Asteron Life Business Insurance What lump sum covers are available with Asteron Life Business Insurance? Life Cover Life Cover pays a lump sum of money if you pass away or become terminally ill. Total
More informationZurich Life Risk Trauma cover
Product Summary Issued 21 December 2015 Zurich Life Risk Trauma cover Adviser use only Trauma insurance provides a lump sum payment on diagnosis or occurrence of a covered trauma. This is a summary only
More informationOUR PERSONAL MENU PLAN
KEY FACTS OF OUR PERSONAL MENU PLAN Important information you should read Protection Personal Menu WHAT S INSIDE See if our plan is right for you 3 The aims of our plan 3 Your commitment 4 The risks 4
More informationINSURANCE KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS. This is an important document which you should keep in a safe place.
INSURANCE KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS This is an important document which you should keep in a safe place. 3 LEGAL & GENERAL PROTECTION PLANS KEY FEATURES USING THIS
More informationMortgage 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 is EITHER used for personal
More informationAsteron Life Personal Insurance
Asteron Life Personal Insurance What lump sum covers are available with Asteron Life Personal Insurance? Life Cover Life Cover insurance pays a lump sum of money if you pass away or become terminally ill.
More informationCRITICAL CARE ADVANTAGE
Health Protection CRITICAL CARE ADVANTAGE Be covered across three stages of illness - early, intermediate and critical The chances of a full recovery from a critical illness are now much higher due to
More informationPERMANENT DISABILITY TOTAL AND COMPREHENSIVE CRITICAL ILLNESSES. PruBSN Employee Benefit & SUPPORT FINANCIAL ASSISTANCE INCOME REPLACEMENT
PruBSN Employee Benefit YOUR COMMITMENT, THEIR WELL-BEING INCOME REPLACEMENT COMPREHENSIVE CORPORATE PACKAGE ACCIDENT COVERAGE CRITICAL ILLNESSES LIFE COVERAGE FINANCIAL ASSISTANCE & SUPPORT TOTAL AND
More informationSelf Assurance Key Features
Self Assurance Key Features Mortgage Term Personal Term Business Key Features of the Self Assurance Mortgage, Term Personal and Term Business plans. Important information you need to read The Financial
More informationEagle Star Guaranteed Mortgage Protection. Customer Guide
Eagle Star Guaranteed Mortgage Protection Customer Guide Introduction This guide applies to the Eagle Star Guaranteed Mortgage Protection plan. Zurich Life wants to make sure that you purchase a policy
More informationTerm Assurance Term Assurance and Critical Illness Cover
Key Features of: Term Assurance Term Assurance and Critical Illness Cover This is an important document which you should keep in a safe place. Life Insurance Provided by Legal & General 2 Using This Document
More informationYour 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 information1. This Notice is issued pursuant to section 64(2) of the Insurance Act (Cap. 142) ( the Act ).
Notice No: MAS 321 Issue Date: 30 March 2015 NOTICE TO LIFE INSURERS INSURANCE ACT, CAP 142 DIRECT PURCHASE INSURANCE PRODUCTS Introduction 1. This Notice is issued pursuant to section 64(2) of the Insurance
More informationINSURANCE KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS. This is an important document which you should keep in a safe place.
INSURANCE KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS This is an important document which you should keep in a safe place. 2 LEGAL & GENERAL PROTECTION PLANS KEY FEATURES USING THIS
More informationCritical Illness Claims Report 2006
This communication is intended for qualified financial advisers only and must not be relied upon by anyone else. This is the Critical Illness Claims Report 2006 from Assurance Limited Hello. This report
More informationProduct Disclosure Statement Version 11, Issued 21 May 2012. Life s better with the right partner AIA.COM.AU. Priority Protection
Priority Protection Product Disclosure Statement Version 11, Issued 21 May 2012 Life s better with the right partner AIA.COM.AU Who issues Priority Protection? This Product Disclosure Statement ( PDS )
More informationProtect. Flexible life and critical illness cover
Key features of Protect Flexible life and critical illness cover The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information
More informationTHE KEY FEATURES OF THE AXA PROTECTION ACCOUNT
THE KEY FEATURES OF THE AXA PROTECTION ACCOUNT The Financial Services Authority is the independent financial services regulator. It requires us, AXA Sun Life plc, give you this important information to
More informationYour 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 informationA Guide to Critical Illness Insurance
A Guide to Critical Illness Insurance This guide about Critical Illness cover is designed to help you decide if this is a suitable product for you. It aims to help by answering the following questions:
More informationCritical Illness Cover from Bright Grey.
Critical Illness Cover from Bright Grey. It just got brighter. Now includes additional cover for 2 early forms of cancer. Protection. We make it personal The latest improvements to our critical illness
More informationCritical Five Policy. Key Features and Product Summary
Critical Five Policy Key Features and Product Summary This policy from Combined Insurance offers protection for you and your family in the event of a serious illness. Please refer to your Policy Document
More informationLife Living Assurance Customer guide LIVING ASSURANCE. TotalCareMax Customer guide. Life. Take charge. sovereign.co.nz
Life Living Assurance Customer guide LIVING ASSURANCE TotalCareMax Customer guide Life. Take charge. sovereign.co.nz WHAT IS LIVING ASSURANCE? Living Assurance provides you and your family with peace of
More informationINSURANCE World of Protection Upgrade Announcement
INSURANCE World of Protection Upgrade Announcement Leading Life Leading Life in OnePath MasterFund Recovery Cash Stand Alone Recovery Income Safe Plus Income Cover Income Safe Business Expenses Plan July
More informationKEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS FAMILY AND PERSONAL INCOME PLANS
INSURANCE KEY FEATURES OF: FAMILY PROTECTION PLANS MORTGAGE PROTECTION PLANS FAMILY AND PERSONAL INCOME PLANS This is an important document which you should keep in a safe place. 2 LEGAL & GENERAL PROTECTION
More informationSIMPLY THE ESSENTIALS
PERSONAL INSURANCE SIMPLY THE ESSENTIALS TotalCareMax Essential Disability Income Protection SOMETHING TO THINK ABOUT While your health may suffer a setback, your finances and lifestyle shouldn t have
More informationThis document contains important information about the Personal Protection Menu and you should read this along with your quote.
Key facts of the Personal Protection Menu (May 2012) This document contains important information about the Personal Protection Menu and you should read this along with your quote. This document doesn
More informationFrom AXA (Hong Kong)
Specialists in Wealth Management Life & Critical Illness Insurance From AXA (Hong Kong) Product Description Life Insurance: Pays out a fixed and guaranteed cash amount in the event of death Designed to
More informationEMPLOYEE BENEFITS LIFE INSURANCE PLAN
EMPLOYEE BENEFITS LIFE INSURANCE PLAN AXA China Region offers:- Security for the dependants of your employees Low cost life insurance cover Benefit payable for death from any cause Competitive rates Efficient
More informationCritical Care. Providing comfort whatever happens
Critical Care Providing comfort whatever happens Critical Care Providing comfort whatever happens With rapid advances in medical research and treatments, the chances of surviving a serious medical condition
More informationKey Features of the Mortgage and Family Protection Plans and
Legal & General Protection Plans Key Features of the Mortgage and Family Protection Plans and THE Family and Personal Income Plans. This is an important document which you should keep in a safe place.
More informationMaintain your lifestyle even when the unexpected happens
AIA SECURE CRITICAL COVER PROTECTION Maintain your lifestyle even when the unexpected happens Lessen your financial burden with affordable Critical Illness coverage. aia.com.sg Cancer is the No.1 killer
More informationProtecting your future MLC Life Cover Super MLC Personal Protection Portfolio
Protecting your future MLC Life Cover Super MLC Personal Protection Portfolio Product Disclosure Statement Life Cover Total & Permanent Disability Critical Illness Income Protection Business Expenses Premium
More informationFor customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more.
For customers Friends Life Individual Protection Critical Illness Cover Critical Illness Cover It s critical illness. And more. It s critical illness. And 2 it s designed with your needs in mind. it covers
More informationInsurance. Product Disclosure Statement. Life Insurance Superannuation Plan & Income Insurance Superannuation is closed. Document not up to date.
Insurance Product Disclosure Statement Life Insurance Plan Trauma Insurance Plus Plan Trauma Insurance Plan Total and Permanent Disability Insurance Plan Activities of Daily Living Total and Permanent
More informationMortgage Term Personal Term Business
SELF ASSURANCE Mortgage Term Personal Term Business Key features you need to know and understand You may have arranged your plan through an Intermediary. If so, you should contact them to discuss your
More informationLifetime Protection Plan from Standard Life Protecting you and your family
Lifetime Protection Plan from Standard Life Protecting you and your family Remember when you thought you were invincible 1 of 33 2 of 33 When was the last time you felt invincible? Contents The need for
More informationMLC Insurance MLC Insurance (Super) Product Disclosure Statement
MLC Insurance MLC Insurance (Super) Product Disclosure Statement Preparation date 25 May 2015 Issue no: 4 This PDS was prepared by MLC Limited ABN 90 000 000 402 AFSL 230694 Issuer of MLC Insurance and
More informationKey Features of Mortgage Life Insurance
Key Features of Mortgage Life Insurance Key Features of Mortgage Life Insurance The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information
More informationPolicy Summary of Critical Illness with Life Cover
Policy Summary of Critical Illness with Life Cover This policy summary contains key information about Friends Life Individual Protection Critical Illness with Life Cover. You should read this carefully
More informationHome Loans. Freehold Mortgage Protection
Home Loans Freehold Mortgage Protection ensuring your home stays in your hands Secure the roof over your head Buying a home is a major step in life. The last thing you want to see is your home slip out
More informationExtra Care Critical Illness Insurance Plan
Extra Care Critical Illness Insurance Plan 25,000 20,000 15,000 10,000 11,378 11,658 11,510 11,791 5,000 4,635 4,969 5,309 5,866 0 3,108 3,218 3,462 3,416 2001 2002 2003 2004 100 N 100 L 280 N 100 N/L
More informationHundred Life Insurance Plan
Hundred Life Insurance Plan Enjoy a worry-free life with life-long protection Do you want yourself and your family to enjoy a worry-free life? To prepare for a better future, you always need to have the
More informationZ Care. Sow the seeds of a resilient future
Z Care Sow the seeds of a resilient future Secure your best chances of recovery Despite an increasing trend in the number of people diagnosed with critical illness today, more are surviving it. Studies
More informationSymbility Health Adjudicare Group Insurance Plan Outline
Symbility Health Adjudicare Group Insurance Plan Outline 2013 Symbility Solutions Inc. Who is Eligible? All Eligible Employees under the age of 65, working a minimum average of 15 hours per week are Eligible
More informationFriends Life Protection Account Key features of Critical Illness Cover
Protection Friends Life Protection Account Key features of Critical Illness Cover Why is this document important? The Financial Services Authority is the independent financial services regulator. It requires
More informationKey Features. Self Assurance
Self Assurance Key Features Mortgage Term Personal Term Business Key features of the Self Assurance Mortgage, Term Personal and Term Business plans. Important information you need to read. The Financial
More informationAccelerated Protection. Do I need Critical Illness insurance?
Accelerated Protection Do I need Critical Illness insurance? Are you prepared? It s a fact of life that we all get sick, and sometimes seriously. The cost of recovery from an illness like cancer or heart
More informationInsurance from MLC. Making your insurance even better. MLC Life Cover Super and MLC Personal Protection Portfolio
Insurance from MLC Making your insurance even better MLC Life Cover Super and MLC Personal Protection Portfolio Effective from: 17 October 2011 Making sure you re well protected We regularly review our
More informationEnjoy a position of vantage, come what may.
Enjoy a position of vantage, come what may. prucrisis covervantage While you have achieved much in life and you and your family enjoy the benefits of success, there may be times when the unexpected happens.
More informationThis document contains important information about the Lifestyle Protection plan and you should read this along with your quote.
Key facts of the Lifestyle Protection plan July 2014 This document contains important information about the Lifestyle Protection plan and you should read this along with your quote. This document doesn
More informationYour health is an asset. Don t let critical illness turn it into a liability.
Your health is an asset. Don t let critical illness turn it into a liability. 100% lump sum payout for critical illness1 including early stage My Early Critical Illness Plan Be financially prepared for
More informationFreehold Mortgage Protection
Home Loans Freehold Mortgage Protection en s urin g your 2694 0209 HL Freehold Mortgage brochure.indd 1 n home stays i ds n ha r you 19/2/09 3:36:11 PM Secure the roof over your head Buying a home is a
More informationLife Protection Quotation
Life Protection Quotation Prepared For: Date: 03/06/2013 Life Type: Single Life Quote Type: Specified Illness Cover Only QUOTATION DETAILS Male, 43 (01/Jan/1970), Non-Smoker, Specified Illness 124000 Monthly
More informationKey Features of Mortgage Life Insurance
Key Features of Mortgage Life Insurance Key Features of Mortgage Life Insurance The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information
More informationFamily and Personal Income Plan
Key features of the Family and Personal Income Plan Life cover Life and critical illness cover Critical illness cover This is an important document, which you should retain About Legal & General The Legal
More information