GUARANTEED ACCEPTANCE WITHOUT A MEDICAL

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1 GUARANTEED ACCEPTANCE WITHOUT A MEDICAL 5% discount on standard premiums Over 50s Life Cover when you re gone Over 50s Life Cover

2 Affordable Life Cover Benenden Over 50s Life Cover is brought to you by the Friendly Healthcare Organisation Limited (a subsidiary of Benenden Healthcare Society Limited) and Engage Mutual Assurance, who are the plan provider. It is available to Society members and their friends and family aged between 50 and 80 years old (inclusive), who are a UK resident. Life insurance is a simple way to leave a cash lump sum for your loved ones when you ve gone. The Benenden Over 50s Life Cover offers guaranteed acceptance without a medical. The payout could go towards any outstanding bills, to help with funeral costs, or simply be something for family and friends to remember you by. You should be aware that the lump sum normally forms part of your estate and may be subject to Inheritance Tax. Society members and their friends and family receive a 5% discount on standard premiums, regardless of whether they apply by telephone, post or online. Cover starts from just 7.60 a month with your 5% discount. That s only 1.76 a week or 26p a day. Please remember this is not a savings plan and only pays out on death. 4 No medical needed 4 Pays a cash lump sum. Please remember this is not a savings plan and only pays out on death. 4 Choose a plan with a free gift or a plan with cash back 4 Funeral funding option. Although this option isn t a funeral plan and won t necessarily meet the full cost of your funeral, it can help towards it. How your cover works In the first two years of the policy, if you die of natural causes, Engage Mutual will pay back the amount of premiums paid into the plan plus half again. Or, should you die as a result of an accident in the same period, Engage Mutual will pay back either three times the life cover or 32,000, whichever is lower. After the two year period, your loved ones will receive the chosen sum assured. You should be aware that the lump sum normally forms part of your estate and may be subject to Inheritance Tax. Over time, inflation will reduce the buying power of the amount payable on your death. On your 90th birthday your premiums will stop, but your cover will continue for life. Depending on how long you pay your premiums for, it s possible that what you pay in will be more than would be paid out when you die. All premiums paid are used to meet the life cover and expenses of this plan. If you stop paying your premiums before your 90th birthday your life cover will cease and you won t get anything back. A welcome gesture When you apply for life cover you can select a plan with a free gift or a plan with cash back. Choose from one of the following options; A plan with 30 Marks & Spencer vouchers or A plan with 3 months cash back Your gift will normally be sent to you within 28 days of our receiving the first premium. However Engage Mutual reserve the right to delay sending the gift until they have received premiums at least equal to the value of the gift or to replace the gift with another of equal value and quality if necessary. Three months premiums will be returned to you after Engage Mutual have received 6 premiums from your nominated bank account. In the event of your death, if 6 months premiums have been paid but cash back not issued, then any cash back due will be paid to your estate. Compare the cover The example shows how the cover compares with some of our competitors in the case of a female non-smoker aged 63 paying a 14 per month premium. Only use the table to compare levels of cover from the providers shown, not to decide if a specific over 50s life cover product is right for you. All rates shown are based on the person being accepted into the plan on standard terms. Benenden Over 50s Life Cover offers separate rates for smokers and non-smokers while the other providers do not. The exact lump sum paid out on death will depend on how old you are when your plan starts, the premiums you decide to pay and your personal circumstances. Please remember that, over time, inflation will reduce the buying power of the amount payable on your death. Provider Life cover Full life cover payable after Premium payable till Benenden Over 50s Life Cover 3, months Age 90 AXA Sun Life 2, months Death Tesco 2, months Age 90 Post Office 2, months Age 83 LV= 2, months Age 90 PAGE 2 Information correct as at PAGE 3

3 Calculate your cover The tables show some typical levels of cover and monthly premiums. Select your age and the monthly premium you wish to pay, and then read down the column beneath your chosen premium to see the guaranteed cash lump sum. Once you select your premium it s guaranteed that it will never rise. Benenden Healthcare members and their friends and family qualify for a 5% discount off the standard premium. Female non-smoker Alternative levels of cover and premiums are available just call Engage Mutual on * To be read in conjunction with the Policy Summary on pages Standard Premium With 5% discount AGE 50 3,503 6,595 10,716 15,868 22,051 N/A 51 3,341 6,289 10,222 15,136 21,034 23, ,180 5,986 9,727 14,403 20,014 22, ,018 5,681 9,233 13,671 18,998 21, ,856 5,377 8,738 12,939 17,981 20, ,723 5,127 8,334 12,340 17,148 19, ,579 4,856 7,889 11,683 16,236 18, ,434 4,582 7,447 11,028 15,324 17, ,289 4,309 7,003 10,371 14,412 16, ,144 4,037 6,560 9,714 13,499 15, ,000 3,764 6,116 9,058 12,588 14, ,893 3,563 5,791 8,574 11,915 13, ,786 3,363 5,466 8,092 11,244 12, ,680 3,163 5,139 7,610 10,576 12, ,573 2,962 4,814 7,128 9,906 11, ,371 2,581 4,194 6,211 8,629 9, ,303 2,453 3,986 5,902 8,202 9, ,235 2,326 3,778 5,595 7,775 8, ,167 2,198 3,571 5,288 7,347 8, ,099 2,070 3,363 4,980 6,920 7, ,679 2,730 4,042 5,616 6, ,595 2,593 3,839 5,335 6, ,512 2,456 3,637 5,054 5, ,427 2,321 3,435 4,773 5, ,344 2,183 3,233 4,492 5, ,173 1,907 2,824 3,925 4, ,077 1,750 2,590 3,600 4, ,606 2,377 3,303 3, ,473 2,181 3,030 3, ,351 2,001 2,780 3,170 Female smoker Alternative levels of cover and premiums are available just call Engage Mutual on * To be read in conjunction with the Policy Summary on pages ,209 1,790 2,488 2,837 PAGE PAGE 4 4 PAGE 5 Standard Premium With 5% discount AGE 50 2,165 4,075 6,622 9,806 13,626 15, ,065 3,887 6,316 9,354 12,998 14, ,965 3,699 6,011 8,901 12,369 14, ,865 3,511 5,705 8,449 11,740 13, ,765 3,322 5,399 7,996 11,112 12, ,648 3,103 5,043 7,468 10,376 11, ,560 2,938 4,775 7,071 9,825 11, ,473 2,772 4,506 6,673 9,273 10, ,385 2,608 4,239 6,276 8,721 9, ,298 2,443 3,970 5,878 8,168 9, ,210 2,278 3,701 5,481 7,617 8, ,146 2,156 3,504 5,189 7,211 8, ,081 2,035 3,308 4,897 6,805 7, ,016 1,914 3,110 4,605 6,398 7, ,792 2,913 4,312 5,993 6, ,654 2,688 3,981 5,532 6, ,572 2,555 3,784 5,258 5, ,490 2,422 3,587 4,984 5, ,408 2,288 3,389 4,710 5, ,326 2,155 3,192 4,437 5, ,206 1,960 2,903 4,034 4, ,146 1,862 2,757 3,831 4, ,085 1,763 2,612 3,629 4, ,025 1,666 2,468 3,428 3, ,568 2,321 3,225 3, ,423 2,107 2,927 3, ,305 1,933 2,685 3, ,198 1,773 2,464 2, ,098 1,627 2,260 2, ,007 1,492 2,074 2, ,355 1,882 2,146

4 Male non-smoker Alternative levels of cover and premiums are available just call Engage Mutual on * To be read in conjunction with the Policy Summary on pages Standard Premium With 5% discount Male smoker Alternative levels of cover and premiums are available just call Engage Mutual on * To be read in conjunction with the Policy Summary on pages Standard Premium With 5% discount ,847 5,359 8,708 12,894 17,918 20, ,759 3,312 5,382 7,969 11,073 12, ,700 5,083 8,259 12,232 16,998 19, ,668 3,141 5,104 7,558 10,503 11, ,554 4,807 7,812 11,567 16,073 18, ,578 2,971 4,827 7,148 9,933 11, ,408 4,531 7,363 10,904 15,153 17, ,487 2,800 4,550 6,739 9,364 10, ,261 4,256 6,916 10,240 14,229 16, ,397 2,629 4,274 6,329 8,794 10, ,137 4,024 6,537 9,681 13,452 15, ,294 2,434 3,956 5,858 8,141 9, ,019 3,801 6,177 9,146 12,710 14, ,222 2,300 3,738 5,534 7,690 8, ,901 3,578 5,816 8,612 11,966 13, ,151 2,166 3,519 5,212 7,242 8, ,783 3,356 5,454 8,077 11,225 12, ,079 2,031 3,301 4,887 6,791 7, ,666 3,134 5,093 7,542 10,480 11, ,007 1,896 3,082 4,565 6,343 7, ,547 2,911 4,732 7,007 9,736 11, ,762 2,864 4,240 5,892 6, ,471 2,768 4,498 6,662 9,256 10, ,675 2,722 4,030 5,600 6, ,395 2,624 4,265 6,314 8,774 10, ,588 2,581 3,821 5,310 6, ,317 2,480 4,032 5,969 8,294 9, ,500 2,439 3,611 5,018 5,721 AGE 64 1,241 2,335 3,799 5,622 7,812 8, ,088 2,048 3,331 4,930 6,852 7,811 AGE ,413 2,298 3,403 4,728 5, ,312 2,135 3,159 4,390 5, ,035 1,949 3,168 4,688 6,514 7, ,248 2,030 3,005 4,176 4, ,848 3,005 4,448 6,180 7, ,184 1,925 2,851 3,961 4, ,747 2,842 4,207 5,845 6, ,120 1,821 2,696 3,745 4, ,648 2,678 3,966 5,510 6, ,056 1,716 2,541 3,531 4, ,339 2,175 3,220 4,476 5, ,562 2,313 3,214 3, ,274 2,071 3,066 4,261 4, ,487 2,202 3,061 3, ,210 1,967 2,912 4,046 4, ,412 2,090 2,904 3, ,146 1,862 2,757 3,832 4, ,337 1,979 2,750 3, ,082 1,757 2,601 3,615 4, ,261 1,868 2,596 2, ,541 2,280 3,168 3, ,148 1,701 2,364 2, ,413 2,093 2,907 3, ,054 1,561 2,169 2, ,296 1,920 2,667 3, ,431 1,989 2, ,189 1,761 2,447 2, ,313 1,825 2, ,091 1,615 2,245 2, ,205 1,674 1, ,446 2,010 2, ,094 1,519 1,733 PAGE 6 PAGE 7

5 Nominate a beneficiary You can nominate a beneficiary or beneficiaries as part of the plan, which means that a pay out of up to 5,000 could be made to your loved ones. Any money left over will go to your estate. The total amount paid out normally counts as part of your estate and may be subject to Inheritance Tax. Only friendly societies like Engage Mutual are able to offer this benefit. It enables us to pay out up to 5,000 of your cash lump sum with a minimum of formality. The maximum sum which can be nominated under the Friendly Societies Act 1992 is 5,000. This is an overall maximum and not a maximium per policy or per nominated beneficiary. If you have nominated your spouse and get divorced the nomination remains in place and does not automatically carry forward to your new spouse. On marriage or remarriage any existing nomination is revoked. In this event you should inform Engage Mutual and may make a new nomination. 250 from Preparing for you funeral now will give your family less to worry about when you re no longer here. We ve teamed up with The Co-operative Funeralcare to allow you to arrange a payment direct from your policy towards your funeral expenses. This is called a funeral funding option. Although this option isn t a funeral plan and won t necessarily meet the full cost of your funeral, it can help towards it. If you have chosen the funeral funding option with The Co-operative Funeralcare they will make a 250 Contribution towards your funeral costs. This will go towards the cost of your funeral provided it is arranged with The Co-operative Funeralcare, another participating Co-operative or an affiliated Funeral Director. If you wish to take this option you can do so when you apply for Over 50s Life Cover. It s unlikely that the sum assured from the Benenden Over 50s Life Cover plan will be exactly the same amount as the cost of your funeral. If the combined value of the sum assured and the Contribution is more than the cost of your funeral, your funeral will be covered in full. The administrator of your estate or your nominated beneficiary can then claim the excess from Engage Mutual. For example: Sum assured 4,700 Funeral cost 3,500 Less the Co-operative Funeralcare Contribution 250 Less the amount paid from your Engage Mutual policy 3,250 Balance of your Engage Mutual policy payable to your estate or nominated beneficiary 1,450 Bereavement and Legal Advice Your life cover plan gives you free access to The Co-operative Legal Services. If you have a bereavement in the family, they can offer sympathetic, confidential help on practical next steps as well as advice on legal, tax and administrative matters. However, if the payout is less than the cost of your funeral, your loved ones will be responsible for settling the balance with the Funeral Director at the time of arranging the funeral. For example: Sum assured 2,500 Funeral cost 3,500 Less the Co-operative Funeralcare Contribution 250 Less the amount paid from your Engage Mutual policy 2,500 Balance payable to The Co-operative Funeralcare Funeral Director 750 If you die within the first 2 years of taking out your policy, the Legal Charge will not apply and the payout will be made under the conditions of your plan. However, the 250 Contribution towards the cost of your funeral will still be available if it is carried out by The Co-operative Funeralcare. Please remember that you can only apply the funeral funding option to one plan. If you have multiple plans with Engage Mutual please choose the plan that you d like to apply it to carefully. If you already have a plan with another provider that has been charged in favour of The Co-operative Funeralcare, you cannot apply the funeral funding option to a policy from Engage Mutual. A funeral funding option will take precedence over any nominations made against a policy. Once a funeral funding option has been removed, no future funeral funding options to The Co-operative Funeralcare can be applied. The Co-operative Funeralcare 250 Contribution: Is only valid when your Over 50s Life Cover from Engage Mutual has a funeral funding option with The Co-operative Funeralcare in place. Is only valid for the funeral of the policyholder and only one Contribution can be used towards the cost of the funeral. Is only valid when The Co-operative, another participating Co-operative or affiliated Funeral Director conducts the funeral Has no cash value at any time. Cannot be applied retrospectively once the funeral has been arranged. Cannot be applied if your Over 50s Life Cover plan has lapsed. Can be used towards the cost of any funeral services provided they are arranged through one of the Co-operative Funeralcare, another participating Co-operative or an affiliated Funeral Director. PAGE 8 PAGE 9

6 What to do next Over 50s Life Cover 1. Make sure you have read the Policy Summary information on pages of this booklet. 2. Select your monthly premium level. 3. Complete and return the enclosed application form and direct debit instruction. Alternatively you can call or go online. 4. You ll need a Benenden Healthcare Society membership number when you apply, so please have this handy. Friends and family of Benenden Healthcare Society members must quote the surname and membership number of the member who referred them. Benenden Over 50s Life Cover Policy Summary The Financial Services Authority is the independent financial services regulator. It requires us to give you this important information to help you decide whether Benenden Over 50s Life Cover is right for you. You should read it carefully so that you understand what you are buying and keep it safe for future reference. This policy summary does not contain the full Terms and Conditions of your Benenden Over 50s Life Cover these can be found in the Policy Conditions and Table section of this leaflet. If you have any questions, please call Engage Mutual on * Or visit The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits If there are any changes to the amount, date or frequency of your Direct Debit Engage Mutual Assurance will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request Engage Mutual Assurance to collect a payment, confirmation of the amount and date will be given to you at the time of the request If an error is made in the payment of your Direct Debit, by Engage Mutual Assurance or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society. If you receive a refund you are not entitled to, you must pay it back when Engage Mutual Assurance asks you to. You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify Engage Mutual Assurance. The Insurer The Policy is provided by Homeowners Friendly Society Limited which is authorised and regulated by the Financial Services Authority. The Benenden Over 50s Life Cover Plan It is a policy that provides cover for the whole of your life, which, after two years, provides a cash sum on your death. Your cover will continue for the rest of your life, provided you keep paying premiums. The plan has no cash in value at any time. Significant features and benefits Guaranteed acceptance: Your acceptance is guaranteed without a medical, provided you are a UK resident aged between 50 and 80. Life cover: A tax-free cash lump sum is payable to your estate on your death as long as the policy has been in force for at least two years. Accidental death benefit: If, within the first two years, you die as a result of an accident, the policy will pay a tax-free cash lump sum to your estate (see the Terms and Conditions section 2 and Table K (part 5) (2)). Significant exclusions and limitations Non-accidental death benefit: The full cash sum is not payable in the first two years. If you die within the first two years other than by accident, your estate will receive 150% of the premiums paid (see the Terms and Conditions section 2 and Table K (part 5) (2)). If you stop paying your premiums for any reason, your policy will be cancelled and you will not get any money back. Inflation will, over time, reduce the value of the cash sum paid out on your death. Depending on how long premiums are paid for, the total premiums paid may be greater than the cash lump sum payable on death. Premiums cease once you reach 90 but cover continues for life. For example, if a female non-smoker took out cover on her 63rd birthday for a month, this would cover her for 3,163 on death. If she lived until at least 90 years old she would pay 4, which is more than her plan would pay out on death. The figure of 4, is based on a monthly premium of x 324 (i.e. 12 monthly premiums per year for 27 years). The Benenden Over 50s Life Cover is available to Benenden Healthcare Society members and their friends and family provided they are a UK resident and aged No advice has been given. If you are in doubt as to the suitability of this product you should seek independent advice which you may need to pay for. PAGE 10 PAGE 11

7 Your right to cancel You will have 30 days from when you receive your policy documents to change your mind and cancel your policy. This is your legal right. You will receive a full refund of any payments made. To cancel your policy complete section (a) on the reverse of the Policy Schedule sent to you with the policy documents and return it to Engage Mutual Assurance, Hornbeam Park Avenue, Harrogate HG2 8XE. If you do not cancel your policy, it will stay in force and the premiums will be collected from the designated bank account. Making a claim Claims can be made by calling Engage Mutual on * or by writing to Claims Department, Engage Mutual Assurance, Hornbeam Park Avenue, Harrogate HG2 8XE. If you have a complaint If you wish to register a complaint, please contact us: In writing: Write to Customer Relations Team, Engage Mutual Assurance, Hornbeam Park Avenue, Harrogate HG2 8XE By phone: telephone * If you cannot settle your complaint with Engage Mutual Assurance, you may be entitled to refer it to the Financial Ombudsman Service. Additional member protection Engage Mutual Assurance is a member of the Financial Services Compensation Scheme. This is designed to protect you as a policyholder if we can t meet our obligations to you. Compensation levels depend on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, with no upper limit. Compensation is only paid for financial loss. You can get further information on the scheme by calling Engage Mutual Assurance on * or you can request it from the Financial Services Compensation Scheme at org.uk or Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN. Terms and conditions Your demands and needs. The Benenden Over 50s Life Cover Plan meets the demands and needs of those who want to use life cover to leave a cash sum on death. This could help pay towards funeral expenses or any outstanding debts, or to leave as a legacy. Benenden Over 50s Life Cover plan policy conditions and Table 1. Nature of Policy This Policy is a life assurance policy which provides the Benefit as specified in the Schedule. 2. Definitions and Interpretation Words, dates and expressions used or referred to in the Schedule shall be treated for the purposes of this Policy as defined in these Conditions. The following words and expressions shall have the following meanings: Accident. Death shall only be regarded as occurring as a direct result of an accident if the Life Assured shall suffer any injury as a direct result of some violent, accidental, external and visible cause which injury shall, independently of any physical or mental illness, infirmity or any other cause, be the sole cause of his death. Accidental Death Benefit shall not be payable if death shall have resulted from any injury caused or aggravated, directly or indirectly, by any of the following, namely: (a) intentionally self-inflicted injury; (b) injury sustained whilst under the influence of, or resulting from the effects of, alcohol, solvents or drugs or of any medication taken otherwise than under the direction of a registered medical practitioner; (c) participation in aviation, other than as a fare paying passenger in a fully-licensed passenger-carrying aircraft operated by a commercial airline or established charter company as part of a regular air service; (d) active participation in a riot, civil commotion or insurrection; (e) war, or any act of war, whether declared or not; (f) participation in any hazardous pursuit including any form of racing (or practice or training for the same) except athletics and swimming; (g) participation in any criminal act; or (h) failure to follow the advice of a registered medical practitioner. Accidental Death Benefit means the amount specified in the Schedule as such. Actuary the actuarial function holder. Benefit means the amount specified in the Schedule as such. Commencement Date is the date shown as such in the Schedule. Conditions means these Conditions together with the Special Conditions (if any) incorporated herein. Grace Period the period allowed for the payment of an unpaid premium, during which the policy remains in force. Life Assured means the person specified in the Schedule as such. Policy means the life assurance policy hereby constituted and incorporates the application and declaration made by the Life Assured to the Society leading to the issue of such policy. Premium means the amount of the Premium specified in the Schedule. Schedule means the Policy Schedule to which the Conditions are attached. Society means Homeowners Friendly Society Limited. Special Conditions means the conditions (if any) specified as such and annexed to this Policy. Written Notice means written confirmation satisfactory to the Society given by the Life Assured to the Society in accordance with Condition 6 in any of the circumstances required or envisaged by this Policy. Words and expressions denoting the masculine gender shall, where the context so requires, include the feminine gender and vice versa. The headings to Conditions are inserted for convenience only and shall not affect the construction of this Policy. References herein to any statute or provision of any statute shall be deemed also to refer to any statutory modification or re-enactment thereof and shall include any orders, regulations, instruments or other subordinate legislation made under the relevant statute. PAGE 12 PAGE 13

8 3. Payment of premiums (i) Subject to the Conditions of this Policy, Premiums shall fall due to be paid to the Society and it shall be the responsibility of the Life Assured to ensure that Premiums are paid, on the dates for payment specified in the Schedule. Payment of monthly Premiums shall only be allowed by a Direct Debiting arrangement or other method approved by the Society. If any Premium shall not have been paid to the Society on or before the due date for payment, the Society shall allow a period of grace (the Grace Period ) for payment of the Premium in question of sixty days commencing, in each case, on the due date for payment of the Premium in question. (ii) If the Benefit shall be payable here under in respect of a death occurring during any Grace Period, the amount payable shall be reduced by the amount of any overdue Premium. (iii) If any Premium is not paid by the last day of the applicable Grace Period, this Policy shall be treated as having lapsed with effect from the due date for payment of the first unpaid Premium and the Benefit provided for hereunder shall cease to be payable. 4. Accidental Death Benefit Written Notice of any claim for payment by the Society of Accidental Death Benefit shall be given as soon as practicable and the Society shall be furnished with such medical and other evidence as it may require. 5. Payment of Benefit (i) Where any claim is made in respect of the death of the Life Assured, the Society shall pay the Benefit subject to and in accordance with the Conditions of this Policy and upon receipt of: (a) a form of discharge supplied for the purpose by the Society duly completed and signed by the administrators, executors or assigns; (b) Written Notice and evidence satisfactory to the Society that death of the Life Assured has occurred; (c) this Policy; and (d) any other documents, including documents of title, which it may require. 6. Written Notice to the Society Any Written Notice to the Society required hereunder shall be sent to Homeowners Friendly Society Limited at its address at Hornbeam Park Avenue, Harrogate HG2 8XE or to such other address as the Society may have notified to the Life Assured and shall be deemed to have been given when received by the Society. 7. Assignments (Policies of Assurance Act 1867) Written Notice should be sent in duplicate to the Society of the date and purported effect of any assignment affecting this Policy, in accordance with the Policies of Assurance Act The Society shall make no charge for acknowledging receipt of any such Written Notice nor for furnishing to the Life Assured any information reasonably required by the Life Assured regarding this policy. 8. Mis-statement of age and/or Sex If any information regarding the age and/ or sex of the Life Assured shall have been mis-stated, this Policy shall not necessarily be invalidated but the Society may, at its absolute discretion, having regard, inter alia, to the correct information and any Premiums already received by the Society adjust the amount payable hereunder in respect of the Benefit (provided that in no event shall the amount of the Benefit immediately prior to such adjustment be exceeded). If the correct age of the Life Assured shall not, at the time of issue of this Policy, have been within the range of ages to which the Society makes its Policy available, the Society shall decide what (if any) Benefit is to be payable hereunder. 9. Unrestricted policy Subject to anything to the contrary in the Special Conditions (if any), this Policy is issued entirely free from restriction as to residence, travel and occupation. 10. Governing law This Policy shall be governed by and construed in accordance with English Law. All communication will be in English. TABLE K (PART 5) Table of Contributions and Benefits relating to Homeowners Taxable Whole of Life Assurance Bonds. (1) Policies made pursuant to this Table will be single life only. Premiums are payable monthly in advance in order to secure a sum payable on the death of the Assured. Premiums are payable until the Assured reaches the age of 90, by direct debit or by any other method which the Society has approved. Premiums cease once the Assured reaches the age of 90. (2) In the event of the death of the Assured within the first two years of the policy, the Society will pay 150% of the premiums paid to date, except in the event of accidental death, where the Society will pay three times the Sum Assured, subject to any maximum Sum Assured specified in the policy document. Thereafter, in the event of death through any cause, the Society will pay the Sum Assured under the policy, subject to any maximum Sum Assured specified in the policy document. The value will be calculated on the day on which death is notified to the Society, but with effect from the date of death. (3) The Assured may assign policies to which this Table applies. References in this Table to the Assured shall include, where appropriate, any person to whom the policy has been assigned. (4) The Society will issue to each Assured a policy document showing details of how the policy operates, including the amount of the Sum Assured. (5) The policy does not at any time acquire a surrender value. (6) A period of 60 days will be allowed for the payment of each premium. Any additional time allowed after the 60 day period will be at the discretion of the Society. If the Assured dies within the period allowed for payment of premiums, any unpaid premium will be deducted from the amount payable by the Society on death. If a premium is not paid within the 60 day period or any additional time allowed, the policy will be cancelled. (7) Transfers will be made from the Taxable Fund to the Management Fund, from time to time on the advice of the Actuary, to cover expenses of management. (8) Words used in this Table which are defined in the policy document issued to the Assured shall have the same meanings in this Table. PAGE 14 PAGE 15

9 Over 50s Life Cover Any questions, call Engage Mutual on * Or visit *Calls may be recorded for security and training purposes. Calls cost a maximum of 4p per minute for BT customers. The price of calls from non-bt lines will vary. Lines open Monday-Friday 8am-8pm, Saturday 9am-4pm. The Friendly Healthcare Organisation Limited, Company No registered in England, is a wholly owned subsidiary of the Benenden Healthcare Society Limited. Registered Office: Holgate Park Drive, York, Y026 4GG. The Friendly Healthcare Organisation Limited is an Appointed Representative of Homeowners Friendly Society Limited (HFSL), which trades under the name of Engage Mutual Assurance. The Benenden Over 50s Life Cover is provided by Engage Mutual Assurance. HFSL is Registered and Incorporated under the Friendly Societies Act 1992, Reg no.964f. Authorised and Regulated by the Finacial Services Authority (FSA). HSFL s FSA Register number is You can check this on the FSA Register by visiting the FSA s website or by contacting the FSA on The Benenden Over 50s Life Cover is available only to Benenden Healthcare Society members and their friends and family. No advice has been given. If you are in doubt as to the suitability of this product you should seek independent advice. Engage Mutual Services Ltd introduce customers to the Co-operative Funeralcare. The Co-operative Funeralcare is not authorised or regulated by the Financial Services Authority but is a member of the Funeral Planning Authority and the National Association of Funeral Directors /001 LF/O50ALL/MS/4036/07.11/V1

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