Over 50s life insurance from Aviva. Your questions answered

Size: px
Start display at page:

Download "Over 50s life insurance from Aviva. Your questions answered"

Transcription

1 Over 50s life insurance from Aviva Your questions answered

2 Why life insurance? Should I be considering life insurance? Taking out life insurance is an important decision one of the most important you ll make for the sake of your loved ones. It s an easy way to make sure you leave a guaranteed cash lump sum, which could help with outstanding bills, be a small legacy for your family or ease the burden of funeral costs. All in all, over 50s life insurance from Aviva can offer peace of mind for you and your family. Why is it so important to plan in advance? Nobody can predict the future, but there are certain things you can be sure of like rising prices, for example. Amongst other things, funeral costs are on the rise and the chances are the trend will continue. That s why a guaranteed cash lump sum could be extremely useful and provide comfort to your family whatever the future brings. You could also get better value for money by putting your plans in place now. As life insurance becomes more expensive with age, you ll get more cover for your chosen premium if you take a plan out before your next birthday. What are the benefits? Guaranteed Lifelong Protection, the over 50s life insurance plan from Aviva, comes with a whole host of benefits. Premiums start from 7 a month, that s just 25p a day Guaranteed cash lump sum that could really make a difference to your loved ones Guaranteed acceptance for UK residents aged 50 to 80 inclusive No medical checks or health questions required You can choose the level of cover and premiums are guaranteed never to rise

3

4

5 Is the plan right for me? What s so good about an over 50s life insurance plan from Aviva? With an over 50s life insurance plan from Aviva you can choose from a range of premium and cover options so you get the plan that s just right for you. It means you re in control, and because premiums are guaranteed never to rise, you can budget for the long term. Just have a look at the premium rates table on our website to see the options you have. How does the plan work? How much we ll pay out and when If you die from: An accident within the first year An accident on, or after, the first anniversary Other causes within the first year Other causes on, or after, the first anniversary We ll pay: The life insurance amount Double the life insurance amount An amount equal to the premiums you have paid The life insurance amount Please remember, the amount paid out at the end of the policy may be less than the total amount paid in through your premiums. Premiums are payable for 30 years or to the policy anniversary after your 90th birthday, whichever comes first, cover will continue for the whole of your life. Also, inflation will reduce the value of the cash sum in the future. We only pay out when you die, and this plan has no cash-in value at any time. Making a claim Step 1: A claim can be made by: Calling our UK-based claims team on (from the UK) or (from overseas). Completing our online claim notification form. Or writing to us at: Aviva, Claims Assessment Team, PO Box 520, Norwich, NR1 3WG. We ll need to know: The name of the person who has died The cause of death The name of the person making the claim and their relationship to you The life insurance plan number (this isn t essential but may help us process the claim quicker) Step 2: Once a claim has been registered, we will let your loved one know if we need any more information or documents from them. Step 3: Once we ve agreed to pay a claim we ll make the payment within five working days by BACS or telegraphic transfer.

6 Why choose Aviva? With over 31 million customers worldwide and a heritage stretching over 300 years, Aviva is one of the UK s leading providers of life and pension products. What else can you offer me? There are lots of added advantages of being with Aviva. You can reward yourself with Aviva Advantages our exclusive package of special offers and prize giveaways for Aviva plan holders. Here are just some examples: 50% off MOTs and 20% tyres and repairs at National Tyres and Autocare Get a 12 bottle case of wine including champagne for (RRP ) at Naked Wines Save 10% at Cottages 4 You on a range of beautiful properties in the UK and abroad Offers are correct at time of press but are subject to change and terms. Terms & conditions may apply. Visit for more information. How can I apply? You can apply for over 50s life insurance from Aviva in two different ways: 1. Online through our website OR 2. By calling our team on Not sure if the product is right for you? Aviva offers a number of different protection products that may be more suitable for you, just call * to speak to us and find out more. Please note, Aviva is not making a personal recommendation that this cover is suitable for your needs. If you have any doubts about whether this product is suitable for you, then you should seek independent financial advice. *Opening hours Monday to Friday 8am 8pm, Saturday 9am 5pm, Sunday 10am 4pm. Calls may be recorded and monitored for our joint protection.

7

8 More frequently asked questions Q: Can I change my mind? A: Yes, you ll have 30 days from the day you take out the plan. If you change your mind within this period we will give you your money back. Q: What happens if I stop paying my premiums? A: The plan doesn t have a cash-in value at any time. If you stop paying your premiums when due, both your plan and your life insurance cover will end 30 days after the date your last premium was due. You won t get back any of the premiums you ve already paid. Q: What happens if I already have a life insurance plan? A: It s worth checking the details of your plan and making sure it s still sufficient for your needs especially if it s been a while since you started it. It may be about to come to an end, or it could be worth less than you thought due to inflation. Q: Can I have more than one Guaranteed Lifelong Protection plan? A: Yes you can, but the number of plans you can have is restricted to a total monthly premium of 100 per life insured. Q: Where does the money go, can I choose who gets the money? A: By putting your Guaranteed Lifelong Protection plan under trust, you can specify who receives the life cover payout, which can be paid quicker and with less fuss. Alternatively, you can specify who should receive the proceeds from your plan in a Will, but this could be subject to Inheritance Tax and might not be paid as quickly as if it were under trust. The tax treatment will depend on your personal circumstances and tax rules may change in the future. Please note you should seek your own legal or tax advice if you have any concerns about the tax treatment of your policy. We hope the information in this brochure answers the questions you may have about over 50s life insurance from Aviva, but if you have any more, or would like to discuss anything else, please call us on: Lines open: Monday to Friday 8am 8pm, Saturday 9am 5pm, Sunday 10am 4pm. Calls may be recorded and monitored for our joint protection. LD /2015 Aviva Life & Pensions UK Limited. Registered in England No Rougier Street, York, YO90 1UU. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number

Over 50s life insurance from Aviva Your questions answered

Over 50s life insurance from Aviva Your questions answered Over 50s life insurance from Aviva Your questions answered ww Why life insurance? Should I be considering life insurance? Taking out life insurance is an important decision one of the most important you

More information

Key features of Tesco Bank Over 50 s Life Assurance

Key features of Tesco Bank Over 50 s Life Assurance Key features of Tesco Bank Over 50 s Life Assurance Key features of Tesco Bank Over 50 s Life Assurance Tesco Bank Over 50 s Life Assurance is provided by Aviva Life & Pensions UK Limited. Any references

More information

Your Policy Conditions

Your Policy Conditions Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life Insurance Inside you ll find full details about Tesco Life Insurance. Key features of Tesco Bank Life Insurance

More information

Key Features of the Guaranteed Whole of Life Plan

Key Features of the Guaranteed Whole of Life Plan Key Features of the Guaranteed Whole of Life Plan Guaranteed Whole of Life Plan Key Features The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important

More information

Your Policy Conditions

Your Policy Conditions Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life Insurance Inside you ll find full details about Tesco Life Insurance. Key features of Tesco Bank Life Insurance

More information

Key Features of the Immediate Life Annuity

Key Features of the Immediate Life Annuity Key Features of the Immediate Life Annuity Key Features of the Immediate Life Annuity The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important

More information

Key Features of the With Profits Pension Annuity

Key Features of the With Profits Pension Annuity Key Features of the With Profits Pension Annuity Key Features of the With Profits Pension Annuity The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this

More information

Your guide to protecting yourself and your loved ones with Aviva

Your guide to protecting yourself and your loved ones with Aviva Your guide to protecting yourself and your loved ones with Aviva Protect what matters most What s the most precious thing in the world to you? There s really only one answer to that the people who are

More information

Key Features of the Pension Annuity (including the Enhanced Pension Annuity)

Key Features of the Pension Annuity (including the Enhanced Pension Annuity) Key Features of the Pension Annuity (including the Enhanced Pension Annuity) Key Features of the Pension Annuity (including the Enhanced Pension Annuity) The Financial Conduct Authority is a financial

More information

Guaranteed 50 plus Life Cover

Guaranteed 50 plus Life Cover 50 Plus important facts to consider Both engage and your financial adviser want to make sure you understand how this life cover product works and are happy with any decisions you make. For this reason

More information

Funeral Benefit Option

Funeral Benefit Option Provided by: Funeral Benefit Option Aviva, the provider of your Tesco Bank Over 50 s Life Assurance Policy, has teamed up with The Co-operative Funeralcare, the UK s leading funeral provider, to offer

More information

Key Features of Free Parent Life Cover

Key Features of Free Parent Life Cover Key Features of Free Parent Life Cover The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information to help you to decide whether our

More information

KEY FEATURES OF THE INVESTMENT BOND. Important information you need to read

KEY FEATURES OF THE INVESTMENT BOND. Important information you need to read KEY FEATURES OF THE INVESTMENT BOND Important information you need to read IMPORTANT INFORMATION THE INVESTMENT BOND IS PROVIDED BY CLERICAL MEDICAL. ALL COMMUNICATIONS AND INFORMATION RELATING TO YOUR

More information

Whatever s special about your family life, make sure you protect it

Whatever s special about your family life, make sure you protect it Whatever s special about your family life, make sure you protect it Your family is special, so make sure you protect it When something awful happens, it feels like normal life stops. But, even for a family

More information

RIAS OVER 50s LIFE PLAN. Key features

RIAS OVER 50s LIFE PLAN. Key features RIAS OVER 50s LIFE PLAN Key features 4 RIAS OVER 50s LIFE PLAN Our aims To pay a guaranteed lump sum to your estate if you die after you ve had the plan for two years. To pay a guaranteed lump sum to your

More information

Over 50 s Life Cover

Over 50 s Life Cover Over 50 s Life Cover Key Information Pack Post Office Over 50 s Life Cover is a simple and affordable plan designed to provide your loved ones with a guaranteed cash sum when you die. There are no medical

More information

OVER 50s LIFE INSURANCE. OVER 50s LIFE INSURANCE MORE THAN A MEMORY.

OVER 50s LIFE INSURANCE. OVER 50s LIFE INSURANCE MORE THAN A MEMORY. 1 MORE THAN A MEMORY. Put what you can in place for those you care about. Whether it s to help contribute towards the costs of your funeral, or simply as a gift that could help make a difference to your

More information

Mortgage Life Insurance

Mortgage Life Insurance Mortgage Life Insurance Moving with your mortgage In association with Welcome to Norwich Union YOUR MOVE s relationship with Norwich Union means we re able to offer you all the protection you need when

More information

Post Office Money Free Parent Life Cover

Post Office Money Free Parent Life Cover Post Office Money Free Parent Life Cover Terms & Conditions Contents page About our insurance services 2 Demands and needs 2 Key Features 3 Plan conditions (Ts & Cs) 5 Important information 6 Post Office

More information

Your Guide to Insurance for Over 50 s Life Assurance

Your Guide to Insurance for Over 50 s Life Assurance Your Guide to Insurance for Over 50 s Life Assurance guide to insurance for over 50 s Life assurance About this Guide This guide provides important information from both Barclays and Aviva, who are the

More information

AA 50 Plus Life Insurance

AA 50 Plus Life Insurance Key facts of AA 50 Plus Life Insurance Including information about the funeral benefit option The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life

More information

Post Office Life Insurance

Post Office Life Insurance Post Office Life Insurance Key Information Pack Contents 1. Information Disclosure Document Pg 2 2. Data Protection statement Pg 3 3. Customer Due Diligence Prevention of Money Laundering statement Pg

More information

KEY FEATURES OF THE MORTGAGE REVIEW PLAN. Important information you need to read

KEY FEATURES OF THE MORTGAGE REVIEW PLAN. Important information you need to read KEY FEATURES OF THE MORTGAGE REVIEW PLAN Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU THIS IMPORTANT

More information

towards your funeral at no extra cost.

towards your funeral at no extra cost. over 50s funeral benefit option An EXTRA 250 towards your funeral at no extra cost. An easy way to ensure your Legal & General Over 50s plan helps pay towards your funeral costs. Working in association

More information

Friends Life Protection Account Key features of Life Cover

Friends Life Protection Account Key features of Life Cover Protection Friends Life Protection Account Key features of Life Cover Why is this document important? The Financial Services Authority is the independent financial services regulator. It requires us, Friends

More information

Relevant Life Insurance

Relevant Life Insurance For adviser use only. Not approved for use with customers. Relevant Life Insurance Introducing Relevant Life Insurance Retirement Investments Insurance Health Introducing Relevant Life Insurance We ve

More information

The Personal Range Key Features of the Individual Personal Pension Transfer Value Account

The Personal Range Key Features of the Individual Personal Pension Transfer Value Account The Personal Range Key Features of the Individual Personal Pension Transfer Value Account Reference MPEN11/F 07.15 The Financial Conduct Authority is a financial services regulator. It requires us, Friends

More information

AA 50 Plus Life Insurance

AA 50 Plus Life Insurance Key facts of AA 50 Plus Life Insurance The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life Limited, to give you important information to help

More information

Key Features of Mortgage Life Insurance

Key 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 information

Your Policy Conditions

Your 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 information

KEY FEATURES OF THE INVESTMENT PORTFOLIO BOND. Important information you need to read

KEY FEATURES OF THE INVESTMENT PORTFOLIO BOND. Important information you need to read KEY FEATURES OF THE INVESTMENT PORTFOLIO BOND Important information you need to read IMPORTANT INFORMATION THE INVESTMENT PORTFOLIO BOND IS PROVIDED BY CLERICAL MEDICAL. ALL COMMUNICATIONS AND INFORMATION

More information

Ageas Over 50s Life Plan. Your 10-step guide to planning ahead

Ageas Over 50s Life Plan. Your 10-step guide to planning ahead Ageas Over 50s Life Plan Your 10-step guide to planning ahead Welcome to your simple 10-step guide At Castle Cover we take great care to meet the needs of people over 50. The Ageas Over 50s Life Plan helps

More information

AIG Over 50s Life Plan. Your 10-step guide to planning ahead

AIG Over 50s Life Plan. Your 10-step guide to planning ahead AIG Over 50s Life Plan Your 10-step guide to planning ahead 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

More information

Your retirement could have even more going for it

Your retirement could have even more going for it Your retirement could have even more going for it A straightforward guide to equity release For no obligation advice: call 0800 015 0993 www.justretirementsolutions.com Contents Imagine what you could

More information

Key facts of. AA Life Insurance. Provided by Friends Provident. AA Life Insurance

Key facts of. AA Life Insurance. Provided by Friends Provident. AA Life Insurance Key facts of AA Life Insurance Provided by Friends Provident AA Life Insurance AA Life Insurance AA Life Insurance is provided by Friends Provident. We, us and our in this document mean Friends Provident.

More information

Your Policy Conditions

Your 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 information

A simple guide to getting more from your future with. Aviva Equity Release. Best Equity Release Lender

A simple guide to getting more from your future with. Aviva Equity Release. Best Equity Release Lender A simple guide to getting more from your future with Aviva Equity Release Best Equity Release Lender J4602_PF011120_1015.indd 1 09/10/15 8:06 pm Contents An introduction to Aviva Equity Release What is

More information

Making the most of your retirement

Making the most of your retirement Making the most of your retirement A guide to equity release and our advice service Provided by Contents Welcome from the Age UK Group 3 Do more with your retirement 4 What is equity release? 5 Is equity

More information

AIG Life. Over 50s Life Plan. Key Facts

AIG Life. Over 50s Life Plan. Key Facts AIG Life Over 50s Life Plan Key Facts Welcome to AIG American International Group, Inc. (AIG) is a leading international insurance organisation serving customers in more than 130 countries and jurisdictions.

More information

Important information. Key Features of the Flexible Life Plan (top-up payments)

Important information. Key Features of the Flexible Life Plan (top-up payments) Important information Key Features of the Flexible Life Plan (top-up payments) > Contents About this booklet 4 About the Flexible Life Plan (top-up payments) 4 Its aim 5 Your commitment 5 Risks 6 Questions

More information

A guide to the pension changes in April 2015

A guide to the pension changes in April 2015 A guide to the pension changes in April 2015 106027837.indd 1 05/01/2015 10:00 Contents What do the changes mean for you? 3 Summary of the changes from 6 April 2015 5 What s changed in practice? 6 How

More information

Income Protection Options Policy summary

Income Protection Options Policy summary Income Protection Options Policy summary This summary tells you the key things you need to know about our Income Protection Options policy. It doesn t give you the full terms of the policy. You can find

More information

Group Life Insurance. Member Guide

Group Life Insurance. Member Guide Group Life Insurance Member Guide Aviva By choosing Aviva, part of the UK s largest insurance group, you benefit from our financial strength. Together with millions of customers worldwide you can feel

More information

A simple, affordable way to give peace of mind to the people who matter most

A simple, affordable way to give peace of mind to the people who matter most GUARANTEED 50 PLUS LIFE COVER A simple, affordable way to give peace of mind to the people who matter most Want to know more? Please talk to your adviser The average cost of a burial in the UK is currently

More information

Key Features of the Personal Pension

Key Features of the Personal Pension Key Features of the Personal Pension For plans started after 12 December 2004 Key Features of the Personal Pension The Financial Services Authority is the independent financial services regulator. It

More information

Key Features of Term Assurance with Critical Illness

Key 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 information

THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA)

THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA) IMPORTANT DOCUMENT PLEASE READ THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA) NON-ADVISED 02 The With Profits Individual Savings Account (ISA) KEY FEATURES OF THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT

More information

Please read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY

Please read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Please read this document carefully as it contains important information about this plan Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Your VitalityLife plan summary About this booklet This

More information

over 50s life cover plus funeral funding option

over 50s life cover plus funeral funding option 250 Contribution from The Co-operative Funeralcare over 50s life cover plus funeral funding option use your over 50s life cover plus to pay towards your funeral costs In partnership with worried about

More information

Delayed Pension Payment Bulk Purchase Annuity

Delayed Pension Payment Bulk Purchase Annuity Delayed Pension Payment Bulk Purchase Annuity For employee benefit consultants, pension professionals and financial advisers only. Not approved for use with pension scheme members. Contents Delayed Pension

More information

The Difference Between Providing A Pension And Retirement

The Difference Between Providing A Pension And Retirement Pensions made simple Take control of your future MIND THE GAP PENSIONS MADE SIMPLE FROM AVIVA Contents Page 1 First things first 2 2 Why pensions are so important 4 3 How a pension plan works 8 4 The tax

More information

Key features of Zurich Accidental Death Cover

Key features of Zurich Accidental Death Cover Key features of Zurich Accidental Death Cover Contents Helping you decide This important document gives you a summary of Zurich Accidental Death Cover. Please read this and keep it for future reference.

More information

Key Features of the Over 50s Guaranteed Protection Plan

Key Features of the Over 50s Guaranteed Protection Plan Key Features of the Over 50s Guaranteed Protection Plan No advice has been provided by Scottish Friendly in relation to this plan. If you are in any doubt as to whether this plan is suitable for you, you

More information

Retirement Investments Insurance Health. Investment Portfolio

Retirement Investments Insurance Health. Investment Portfolio Retirement Investments Insurance Health Investment Portfolio Investment Portfolio from Aviva Whatever your financial needs, Investment Portfolio offers you a wide range of investment options, giving you

More information

KEY FEATURES. SELECT PORTFOLIO BOND (WEALTH MANAGERS) This is an important document. Please keep it safe for future reference.

KEY FEATURES. SELECT PORTFOLIO BOND (WEALTH MANAGERS) This is an important document. Please keep it safe for future reference. SELECT PORTFOLIO BOND (WEALTH MANAGERS) KEY FEATURES. This is an important document. Please keep it safe for future reference. LEGAL & GENERAL SELECT PORTFOLIO BOND 2 SELECT PORTFOLIO BOND (WEALTH MANAGERS)

More information

Business Life Insurance Options

Business Life Insurance Options Business Life Insurance Options Policy summary Business Life Insurance Options This summary tells you the key things you need to know about our Business Life Insurance Options policy. It doesn t give you

More information

Make the most of saving online with the Molson Coors Retirement Savings Plan. Introducing My Money Friends Life s online savings

Make the most of saving online with the Molson Coors Retirement Savings Plan. Introducing My Money Friends Life s online savings Make the most of saving online with the Molson Coors Retirement Savings Plan Introducing My Money Friends Life s online savings Introducing My Money We all like spending our free time doing the things

More information

Your investment choices and charges. Explaining the investment options and charges for our Active Money Self Invested Personal Pension

Your investment choices and charges. Explaining the investment options and charges for our Active Money Self Invested Personal Pension Your investment choices and charges Explaining the investment options and charges for our Active Money Self Invested Personal Pension Contents 02 Level 1 investments 04 Level 2 investments 06 Level 3 investments

More information

Standard Life Active Retirement For accessing your pension money

Standard Life Active Retirement For accessing your pension money Standard Life Active Retirement For accessing your pension money Standard Life Active Retirement our ready-made investment solution that allows you to access your pension savings while still giving your

More information

Life Cover & Life Income Cover

Life Cover & Life Income Cover Assurance Extra Life Cover & Life Income Cover What is Life Cover & Life Income Cover? Life Cover is an insurance that pays you a lump sum if you die or are diagnosed with a terminal illness. Life Income

More information

Key Features of the International Prudence Bond (top-up payments)

Key Features of the International Prudence Bond (top-up payments) Important information Key Features of the International Prudence Bond (top-up payments) Only applicable for bonds taken out before 9 May 2011 Not for use in the UK, France, Spain or Belgium > Contents

More information

A brief guide to Trusts and our Trustbuilder tool

A brief guide to Trusts and our Trustbuilder tool guide to guide to trusts trusts A brief guide to Trusts and our Trustbuilder tool A Brief guide to Trusts and our Trustbuilder tool Introduction This brief guide explains some of the main features and

More information

Key Features of Mortgage Life Insurance

Key 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 information

The real value of protection. Our life, critical illness and income protection claims

The real value of protection. Our life, critical illness and income protection claims The real value of protection Our life, critical illness and income protection claims The real value of protection When you take out an Aviva protection policy, you re relying on us to be there when it

More information

LV= LIFE LV= LIFE INSURANCE

LV= LIFE LV= LIFE INSURANCE LV= LIFE LV= LIFE INSURANCE INSURANCE Key features of the LV= Life Insurance plan The Financial Conduct Authority is a financial services regulator. It requires us, LV=, to give you this important information

More information

AIG Life. YourLife Plan Term Assurance. Key Facts

AIG Life. YourLife Plan Term Assurance. Key Facts AIG Life YourLife Plan Term Assurance Key Facts Contents Page Welcome to AIG 3 Section A: About Term Assurance A1 What is Term Assurance? 4 A2 Term Assurance aims 4 A3 How does - Term Assurance work? 4

More information

Helping your loved ones. Simple steps to providing for your family and friends

Helping your loved ones. Simple steps to providing for your family and friends Helping your loved ones Simple steps to providing for your family and friends Contents 01 How can I take control of who gets what? 02 Inheritance Tax 04 Do you know how much you re worth? 06 Making lifetime

More information

Savings account conditions and information.

Savings account conditions and information. Savings Savings account conditions and information. (For personal savings accounts that are no longer available to new customers.) page heading 1 Savings account Conditions. This booklet contains the conditions

More information

INVESTMENT BOND WITH DEATH GUARANTEE. Consisting of: Policy Schedule Policy Provisions.

INVESTMENT BOND WITH DEATH GUARANTEE. Consisting of: Policy Schedule Policy Provisions. INVESTMENT BOND WITH DEATH GUARANTEE CONTRACT DOCUMENT. Consisting of: Policy Schedule Policy Provisions. This is an important document. Please keep it safe for future reference. 2 INVESTMENT BOND WITH

More information

Your mortgage with us. Helping you feel at home

Your mortgage with us. Helping you feel at home Your mortgage with us Helping you feel at home Your mortgage now and in the future Your mortgage shouldn t be complicated you apply for a loan and we lend what we think you can afford. Simple. It s a valuable

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

FAMILY PROTECTION MADE EASY. A guide to life assurance

FAMILY PROTECTION MADE EASY. A guide to life assurance FAMILY PROTECTION MADE EASY A guide to life assurance INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see

More information

Over 50s Life Cover. Policy summary

Over 50s Life Cover. Policy summary Over 50s Life Cover Policy summary Policy summary: Over 50s Life Cover provided by the Royal London Mutual Insurance Society Limited ( Royal London ) This booklet contains important information you need

More information

Lifetime Annuity and Scheme Pension Key Features

Lifetime Annuity and Scheme Pension Key Features Lifetime Annuity and Scheme Pension Lifetime Annuity and Scheme Pension Key Features This document shows the main points about your policy. Please read it with your Personal Example and keep them with

More information

INSURANCE FOR THE THINGS THAT MATTER.

INSURANCE FOR THE THINGS THAT MATTER. INSURANCE INSURANCE FOR THE THINGS THAT MATTER. So you can enjoy life, knowing you re covered. TALK TO US TODAY 89172AP_1-3390220-2_0813.indd 1 07/08/2013 15:06 It s important to have good insurance in

More information

A guide to your reviewable protection plan

A guide to your reviewable protection plan A guide to your reviewable protection plan A guide to your reviewable protection plan We ve written this guide to help explain how your reviewable protection plan works. We ll also explain why it is important

More information

Policy Summary for Over 50s Life Insurance Plans

Policy Summary for Over 50s Life Insurance Plans Policy Summary for Over 50s Life Insurance Plans 1. Fixed Plan 2. Increasing Plan 3. Funeral Plan This is an important document, which you should read carefully so that you understand what you are buying

More information

KEY FEATURES OF THE RETIREMENT ACCOUNT

KEY FEATURES OF THE RETIREMENT ACCOUNT Key Features of the Royal London Retirement Account KEY FEATURES OF THE RETIREMENT ACCOUNT IMPORTANT INFORMATION YOU SHOULD READ 1 HOW TO CONTACT US If you have any queries relating to your Retirement

More information

Important information. Key Features of the Prudential International Investment Portfolio

Important information. Key Features of the Prudential International Investment Portfolio Important information Key Features of the Prudential International Investment Portfolio > Contents About this booklet 3 About the Prudential International Investment Portfolio 3 Its aim 4 Your investment

More information

Your Guide to Insurance for Life Insurance

Your Guide to Insurance for Life Insurance Your Guide to Insurance for Life Insurance LIFE INSURANCE About this Guide This guide provides important information from both Barclays and Aviva (the insurance provider of this policy), and is for your

More information

Policy Summary for Over 50s Life Insurance Plans

Policy Summary for Over 50s Life Insurance Plans This is an important document, which you should read carefully so that you understand what you are buying. Please keep together with your Policy Terms and Conditions, in a safe place, for future reference.

More information

Key Features of Life Insurance

Key Features of Life Insurance Key Features of Life Insurance Life Insurance Key Features The Financia Conduct Authority is a financia services reguator. It requires us, Aviva, to give you this important information to hep you to decide

More information

ALL YOU NEED TO KNOW.

ALL YOU NEED TO KNOW. LIFETIME MORTGAGE LIFETIME MORTGAGES ALL YOU NEED TO KNOW 1 ALL YOU NEED TO KNOW. 2 LIFETIME MORTGAGES ALL YOU NEED TO KNOW CONTENTS 1. IntrODUCTION 2. AbOUT lifetime mortgages 3. FeaturES of our lifetime

More information

Your home insurance - renew with Select & Protect. The best choice for the right cover

Your home insurance - renew with Select & Protect. The best choice for the right cover I N S U R A N C E Your home insurance - renew with Select & Protect The best choice for the right cover Doing things differently At Select&Protect we provide home insurance. And nothing but home insurance.

More information

Important information. Key Features of the International Prudence Bond (Spain)

Important information. Key Features of the International Prudence Bond (Spain) Important information Key Features of the International Prudence Bond (Spain) > Contents About this booklet 3 About the International Prudence Bond 3 Its aim 4 Your investment 4 Risks 4 Questions and Answers

More information

AIG Life. Business Protection Term Assurance. Key Facts

AIG Life. Business Protection Term Assurance. Key Facts AIG Life Business Protection Term Assurance Key Facts Contents Page Welcome to AIG 3 Section A: About Business Protection A1 What is Business Protection? 4 A2 Business Protection aims 4 A3 How does Business

More information

For financial adviser use only. Not approved for use with customers. Guaranteed Whole Of Life Questions and Answers

For financial adviser use only. Not approved for use with customers. Guaranteed Whole Of Life Questions and Answers For financial adviser use only. Not approved for use with customers. Guaranteed Whole Of Life Questions and nswers Guaranteed Whole Of Life (GWOL) Questions and nswers 1. What is the Inheritance Tax Threshold

More information

Relevant Life Insurance

Relevant Life Insurance Relevant Life Insurance Policy summary Relevant Life Insurance This summary tells you the key things you need to know about our Relevant Life Insurance policy. It doesn t give you the full terms of the

More information

Key Features of Mortgage Life Insurance

Key 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 information

Key features of the Mortgage Protection Plan

Key features of the Mortgage 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 it is EITHER used for personal

More information

how the One account works all your questions answered 08456 000 00 1 oneaccount.com

how the One account works all your questions answered 08456 000 00 1 oneaccount.com how the One account works all your questions answered 08456 000 00 1 oneaccount.com Contact us By telephone 08456 000 00 1 By typetalk 08456 000 00 1 By textphone 08456 10 10 56 By post By web The One

More information

Tesco Bank Life Insurance. Policy terms and conditions

Tesco Bank Life Insurance. Policy terms and conditions Tesco Bank Life Insurance Policy terms and conditions Policy terms and conditions These policy terms and conditions describe your policy, including: our obligations to you your cover claims conditions

More information

Provide for your loved ones. A guide to death benefits from your pension plan

Provide for your loved ones. A guide to death benefits from your pension plan Provide for your loved ones A guide to death benefits from your pension plan This guide covers the death benefits from the following plans: Self Invested Personal Pension Group Self Invested Personal Pension

More information

Life and Protection Insurance explained

Life and Protection Insurance explained OPW 01 (03/11) Demographik Life and Protection Insurance explained Openwork Limited is authorised and regulated by the Financial Services Authority. Registered in England 4399725. Registered office: Tri

More information

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.

More information

Business Protection. Why choose us for your business protection clients. Retirement Investments Insurance Health

Business Protection. Why choose us for your business protection clients. Retirement Investments Insurance Health For adviser use only. Not approved for use with customers. Business Protection Why choose us for your business protection clients Retirement Investments Insurance Health Why choose us for your business

More information

Lifetime Annuity and Scheme Pension Key Features

Lifetime Annuity and Scheme Pension Key Features Lifetime Annuity and Scheme Pension Lifetime Annuity and Scheme Pension Key Features This document shows the main points about your policy. Please read it with your Personal Example and keep them with

More information

Key features. For customers One Retirement

Key features. For customers One Retirement For customers One Retirement Key features Contents Its aims 02 Your commitment 02 Risks 03 Questions and answers 04 Secure retirement income (SRI) 08 Other information 11 How to contact us 12 The Financial

More information

AIG Life. Whole of Life Insurance. Key Facts

AIG Life. Whole of Life Insurance. Key Facts AIG Life Whole of Life Insurance Key Facts Contents Page Welcome to AIG 3 Section A: About Whole of Life Insurance A1 What is Whole of Life Insurance? 4 A2 Whole of Life Insurance aims 4 A3 How does Whole

More information