AIG Over 50s Life Plan. Your 10-step guide to planning ahead
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1 AIG Over 50s Life Plan Your 10-step guide to planning ahead
2 Welcome to your simple 10-step guide At Castle Cover we take great care to meet the needs of people over 50. The AIG Over 50s Life Plan helps you to leave behind a valuable cash lump sum for your family. And to make sure it really works for you, it offers you plenty of choices. 1. Now s the time to apply This life plan will pay a cash lump sum when you die. Cover depends on your age and the monthly premium you choose so the sooner you apply, the more cover you ll get. 2. Acceptance guaranteed Applying for this plan couldn t be easier. You won t be asked any questions about your health or be asked to take a medical. As long as you re aged and a UK resident, you will definitely be accepted. So all you have to do is: choose the monthly amount you d like to pay complete your online quote form and Direct Debit instruction You will receive your plan documents as soon as your application has been processed. Your payments will then be taken out of your chosen bank account every month. Once you re covered, you re covered for life, as long as you keep paying your premiums. 2
3 3. Designed to suit your budget With this plan you make fixed monthly payments by Direct Debit, so you ll always know how much you are paying. You choose the level of premium you pay, starting from just 5 ( 10 for ages 71 to 75), or any multiple of 5 up to 50. To get you started, overleaf we ve given you some example quotes of the very competitive lump sum payout you could receive for a range of premiums. If you d like to know what payout you could receive for a premium of 35 or 45, please call our helpline. Your premiums will stay the same throughout your life, even if your health deteriorates, you won t be asked to pay more. We hope you have a long and healthy life. Remember, depending on how long your cover is in place, you may end up paying in more than the Plan pays out on your death. 4. Does your partner need a life plan too? If you have a partner who is aged and a UK resident, they can take out a AIG Over 50s Life Plan too. They will also be able to claim a valuable gift. All they need to do is complete their own personal online quote form or they can call the helpline for a quote and apply over the phone. Don t forget if your partner applies for their own AIG Over 50s Life Plan, they too will be able to claim a valuable gift of 25 M&S vouchers. 3
4 Tailor your plan to your budget Monthly premium and cash lump sum Age ,270 3,605 5,736 7,874 10,093 12,347 16,805 21, ,224 3,472 5,488 7,544 9,670 11,832 16,103 20, ,181 3,343 5,247 7,226 9,264 11,332 15,426 19, ,139 3,225 5,027 6,934 8,890 10,877 14,806 18, ,057 2,994 4,593 6,359 8,155 9,980 13,587 17, ,001 2,849 4,431 6,100 7,823 9,574 13,035 16, ,704 4,267 5,841 7,492 9,168 12,486 15, ,536 4,069 5,537 7,104 8,694 11,840 14, ,372 3,873 5,237 6,721 8,227 11,206 14, ,217 3,686 4,952 6,356 7,781 10,601 13, ,102 3,501 4,715 6,053 7,409 10,096 12, ,991 3,320 4,485 5,757 7,048 9,605 12, ,882 3,147 4,264 5,475 6,702 9,134 11, ,776 2,976 4,047 5,197 6,361 8,669 10, ,679 2,819 3,850 4,944 6,053 8,251 10, ,583 2,644 3,645 4,682 5,733 7,815 9, ,490 2,473 3,444 4,426 5,420 7,391 9, ,400 2,311 3,253 4,181 5,122 6,984 8, ,314 2,153 3,065 3,941 4,828 6,601 8, ,234 2,008 2,894 3,721 4,561 6,237 7, ,156 1,865 2,688 3,462 4,244 5,807 7, ,077 1,725 2,489 3,207 3,934 5,397 6, ,007 1,599 2,306 2,976 3,653 5,015 6, ,476 2,129 2,751 3,380 4,643 5, ,3 1,966 2,544 3,127 4,299 5,456 Examples of total premiums payable over 5, 10, 20 and 30 years based on a plan, with no index-linked increases Years yrs ,200 1,500 1,800 2,400 3, yrs 600 1,200 1,800 2,400 3,000 3,600 4,800 6, yrs 1,200 2,400 3,600 4,800 6,000 7,200 9,600 12, yrs 1,800 3,600 5,400 7,200 9,000 10,800 14,400 18,000 4
5 5. Keep your cover in line with inflation Because of inflation, your fixed cash sum may be worth less in real terms when you die than when you first took out the plan. You can prevent this happening by index linking your plan. This means every year if you choose your fixed cash sum can be increased to keep pace with inflation. Your monthly payments will also increase to pay for the extra cover. If you d like to index link your plan, AIG Life Limited will write to you each year, before your plan anniversary, showing next year s premium and your level of cover. You can then ask them to adjust your Direct Debit payment automatically or tell them that you want to leave your plan as is, with no increases. If you choose not to increase your cover for three years running, AIG Life Limited will assume that you prefer to leave it at a fixed level, and will not write to you again. The Direct Debit Guarantee 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 AIG Life Limited will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request AIG Life Limited 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 AIG Life Limited 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 AIG Life Limited 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 us. 5
6 6. It s up to you how your cash lump sum will be used With the AIG Over 50s Life Plan, a cash lump sum will be paid into your estate when you die. However the money is used, it could really make life easier for those you leave behind. It could be a good way to take care of outstanding bills. Alternatively, you might want to leave money to your partner, children, grandchildren or a close friend. Or you could leave a gift to a charity whose work you admire. Your money could also help towards the cost of a funeral. The average cost of a funeral has been rising over the years, and with this trend set to continue, most families will be glad of any help in meeting these costs. You can also receive an extra 10% if you use the cash lump sum to pay towards funeral costs with the help of Dignity, a leading UK funeral service provider. To do this, simply tick the box on your online form or tell the Castle Cover helpline. When the time comes, your family need only make one phone call and Dignity will provide all the support and guidance they need to make your funeral arrangements. For more details on how to add a further 10% contribution to your lump sum, please see the Funeral Benefit leaflet. Ageas Over 50s Life Plan Your 10-step guide to planning ahead 6
7 7. What will your family receive? With this plan, AIG Life Limited offers a cash lump sum for your family when you die. The plan also offers other very valuable benefits. In the first 2 years of your plan, if: you die as a result of an accident*, it will pay three times the amount of cash lump sum you have selected. This applies from your very first day of cover and continues for two full years. you die from any other cause during the first two years, it will pay back all the money you have paid plus half as much again (150%). So you can rest assured that even if the worst happens in the first two years, your family will get back more than you ve paid in. And after the first two years: it will pay your full guaranteed lump sum, wherever and whenever you die, provided of course that you ve kept up the payments. and after your 90th birthday, your cover will continue but you ll no longer have to pay monthly premiums. Important information you need to know. The Plan only pays out a cash amount upon your death, so you cannot cash it in at any time. If you stop paying your premiums, your cover will stop and you will not get any money back. Of course, we hope you can look forward to a long and healthy life but this may mean you ll find you pay in more than your cover pays out. Tax rules can change. All benefits paid out under the plan are free of income and capital gains tax, but may be subject to inheritance tax, depending on the inheritance tax threshold at the time of death. *Details of what is meant by accident will be included in the Plan Details sent to you when you apply. 7
8 8. Treat yourself with 25 M&S vouchers Who doesn t enjoy browsing M&S for a special treat? With M&S vouchers, the choice is yours. Perhaps you ll choose something to wear from their fabulous ranges for men and women. Maybe you d prefer something for your home a cushion, a vase or even a picture frame for a favourite family shot. Or why not go for a feast of food and drink? Simply take out a plan and make three monthly premium payments. Then 25 worth of M&S vouchers will be sent to your home address. Happy shopping. 8 Terms and conditions: Your vouchers will be sent to you automatically once we have received your third premium payment and your plan has not been cancelled in the meantime. Please allow up to 28 days from your third completed premium payment to receive your vouchers. There is no cash alternative to this gift. The gift can only be claimed by the policyholder and is not transferable. M&S vouchers will be subject to M&S voucher terms and conditions.
9 It s not a decision to be taken lightly, so I make sure my customers have all the information they need. Emma Bournemouth, Dorset 9. We re always here to help you When you re over 50, people often make assumptions about you from your taste in home décor to the car you drive to how you like to spend your spare time. We make no assumptions about you at Castle Cover. We simply recognise you as an experienced individual who deserves respect and the very best service. We take time to listen to you our customers never feel rushed because we really want to help you feel 100% sure you re making the right choice. Our helpline team here in Bournemouth, Dorset understand that choosing a life plan is a big decision. They re friendly and easy to talk to. And whilst they cannot give you advice, they will gladly take the time to explain everything you need to know. They will also be happy to arrange your plan over the phone immediately, if you prefer. 9
10 10. And finally, remind yourself of all the good reasons to choose Castle Cover We specialise in providing low-cost insurance tailored to the needs of people who are 50 or older. Our range of cover starts with protection for your home and car and extends through caravan insurance and travel cover to this life plan. Aside from offering a range of flexible insurance options, we also take real pride in delivering excellent customer service. In fact, 87% of Castle Cover customers responding to our survey are likely to recommend us to friends and family. ** 87% of Castle Cover customers responding to our survey are likely to recommend us to friends and family** Money-back guarantee If, within 30 days, you are not completely satisfied with your plan, you can cancel it without any obligation and any payments you ve made will be promptly and fully refunded no questions asked. 10 ** On behalf of Castle Cover, Ipsos MORI surveyed 5,011 Castle Cover customers during the time period Jul - Sept 2013 via post-contact telephone IVR surveys (Interactive Voice Response).
11 Your plan benefits A cash lump sum as a legacy for your family paid in full after 2 years Three times your cash sum paid out if you die accidentally* within the first 2 years One and a half times your premiums back if you die for other reasons in the first 2 years Choice of premiums to suit your budget and no payments after your 90th birthday Acceptance guaranteed with no medical questions to answer Get 10% extra with the Funeral Benefit option Opt to increase your cover every year to keep pace with inflation your premiums will increase too And enjoy a special gift yours FREE once you ve made three monthly premium payments (see inside for details). What you also need to know: Your plan has no cash-in value at any time if your payments stop your cover stops and you don t get any money back If you die from natural causes in the first 2 years of your plan your family may only get back what you ve paid in, plus half as much again Depending on how long you live, you may end up paying in more than the plan pays out when you die The index-linking option protects your cash sum against inflation otherwise your cover could be worth less in the future The cash lump sum payout could be liable to inheritance tax *Details of what is meant by accidentally will be included in the Plan Details sent to you when you apply. AIG Life Limited (Registered number: ) whose registered office is at The AIG Building, 58 Fenchurch Street, London EC3M 4AB is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. FCA registered number: This paper is sourced from sustainable forests. Please recycle after use. CC
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