Group Life Insurance. Member Guide

Size: px
Start display at page:

Download "Group Life Insurance. Member Guide"

Transcription

1 Group Life Insurance Member Guide

2 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 certain of your choice whether you invest for the future, provide against the unexpected, or protect the things that are important to you. Our size and efficiency give us the strength to deliver an extensive range of value for money, quality products investments, retirement, protection and healthcare designed and changing to meet your needs, both now and in the future. 2 Life Insurance - Terms & Conditions

3 Contents Page 4 Employee scheme Terms and conditions for the employee scheme Partner scheme 5 Terms and conditions for the partner scheme aviva.co.uk/health 3

4 Members of the Aviva Staff Pension scheme are currently provided with death benefits of a lump sum (4 x salary) and a dependant s pension. This remains unchanged. The Group Life flex scheme is designed to be a voluntary top-up scheme and offered to Aviva employees and their partners. This will be totally employee funded based on a lump sum death benefit. (Dependant s pension will not form part of the flex scheme.) Employee scheme Group Life benefits will be offered to the employee, based on the following: l Fixed sums insured of 50,000 to a maximum of 250,000. l Unisex age banded rates based on the attained age of the employee at the scheme anniversary date, 1st July. Terms and conditions for the employee scheme: 1. The scheme termination age is Cover ceases at the end of the month on the earliest of the following (premium will be paid until the end of the month): l The employee reaching the scheme termination age l The employee leaving service or contract of employment ending l Death whilst being covered by the scheme l The flex benefit being de-selected l Premiums not being paid for the flex benefit 3. There is no continuation option under this benefit. 4. Cover continues during temporary absence due to illness or injury until scheme termination age. Premiums must continue to be paid and a contract of employment maintained during this period for cover to be continued. No increase in flex benefit will be allowed during a period of temporary absence. 5. Where an employee is applying for initial cover of up to 100,000 or a subsequent benefit increase that sees their overall cover not exceed 100,000 they will need to be able to confirm that they are Actively at Work on the date of their election, and have been for the preceding 20 consecutive working days. If they are unable to confirm this, then they may still be able to receive cover if they are able to satisfactorily complete a short health declaration. 6. Where an employee is applying for initial cover of greater than 100,000, or a subsequent benefit increase that sees their overall cover exceed 100,000, they must satisfactorily complete and submit a short health declaration before cover will be accepted. 7. Any level of cover may be selected at the anniversary date or a qualifying lifestyle event, subject to the overall maximum of 250, Increases in cover are only allowed on the anniversary date and following a lifestyle event. There is no restriction on the number of lifestyle events in one scheme year. 9. Cover can be decreased by any number of units. 10. Any increase or decrease in benefit must take place on the anniversary date date or within a specified time period of the lifestyle event taking place. 11. A new employee will have a specified period upon joining the company to elect units of cover, subject to Actively at Work or to satisfactory completion of a short health declaration, as required. 12. Existing employees will have a specified period prior to the anniversary date of the flex scheme to elect units of cover, subject to either confirmation of them meeting the Actively at Work requirement or satisfactory completion of a short health declaration, determined by the level of cover being requested If the employee cannot satisfactorily meet the Actively at Work requirement or complete the short health declaration, then the requested cover will not be provided. Actively at Work This means that an employee is actively at work and not working against medical advice. The employee must be: l following their normal occupation, l working their normal number of contracted hours, and l working at their normal place of business or at a location where business needs them to travel. Partner scheme Group Life benefits will be offered to the employee s partner, based on the following: l Fixed sums insured of 50,000 to a maximum of 250,000. l Unisex age banded rates, based on the attained age of the partner at the scheme anniversary date, 1st July l Eligibility: the partner (regardless of gender or marital status) must reside with the employee in the UK and share a joint financial commitment with the employee. They may be the employee s spouse but must not be a member of the employee s immediate family (i.e. parents, grandparents, relation etc). 4 Life Insurance - Terms & Conditions

5 Terms and conditions for the partner scheme: 1. Cover ceases at the end of the month on the earliest of the following (premium will be paid until the end of the month): l The employee or partner reaching the scheme s termination age. l The employee leaving service or contract of employment ending l The death of either the partner or the employee whilst being covered by the scheme l This benefit being de-selected by either the employee or the partner l Premiums not being paid for this benefit 2. There is no continuation option under this benefit. 3. The partner must apply for cover by satisfactorily completing and submitting a short health declaration before cover will be accepted. A declaration will be required for each increase in cover. 4. At anniversary date or a qualifying lifestyle event for the employee any increase in cover is permitted subject to the overall maximum of 250, Increases in cover are only allowed on anniversary date and following a lifestyle event. There is no restriction on the number of lifestyle events in one scheme year. 6. Cover can be decreased by any number of units. 7. Any increase or decrease in benefits must take place on the anniversary date or within a specified period of the lifestyle event taking place. 8. Within a specified period prior to the anniversary date of the flexible benefits partner scheme, existing employees may select any number of units of cover in respect of their partner, subject to the partner satisfactorily completing a short health declaration. 9. Within a specified period of commencement of employment the employee may select any number of units of cover in respect of their partner, subject to the partner satisfactorily completing a short health declaration. 10. A partner who is also an employee of the company can only be covered either as a partner or as an employee (i.e. they cannot receive double the cover). 11. The number of units covered for the partner must never be greater than the number of units covered in respect of the employee. 12. Only one partner may be covered at any one time. 13. If the partner cannot satisfactorily complete the short health declaration then the requested cover will not be provided. aviva.co.uk/health 5

6 Aviva Health UK Limited. Registered in England Number Registered Office 8 Surrey Street Norwich NR1 3NG. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Firm Reference Number This insurance is underwritten by Aviva Life & Pensions UK Limited. Registered in England No Rougier Street, York, YO90 1UU. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Firm Reference Number Aviva Health UK Limited, Head Office: Chilworth House Hampshire Corporate Park Templars Way Eastleigh Hampshire SO53 3RY. GEN /2014 Aviva plc

Group Life Insurance Excepted Policy - Policy Booklet

Group Life Insurance Excepted Policy - Policy Booklet Group Life Insurance Excepted Policy - Policy Booklet Welcome to Aviva Your policy consists of this policy booklet and policy schedule. Please keep them in a safe place along with any revised policy schedules

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 Income Protection. Key Account Solutions

Group Income Protection. Key Account Solutions Group Income Protection Key Account Solutions What is Key Account Solutions? Key Account Solutions (KAS) has been designed to provide an enhanced service for our Group Income Protection schemes with an

More information

Private medical insurance claim form

Private medical insurance claim form Private medical insurance claim form *113N1A3B* Please make sure that you read the following before completing the claim form: n Confirmation of cover will be provided when we have made a decision on your

More information

Employee Assistance Programme

Employee Assistance Programme 32938_ONEGI_GEN1914.qxp:32938_ONEGI_GEN1914 30/9/11 03:45 Page 1 Employee Assistance Programme Winner Best Occupational Health Provider Health Insurance Awards 2007, 2008, 2009 and 2010 Contents: Why consider

More information

Aviva Group Life Insurance Scheme Rules. (Principal Employer Non Limited Company)

Aviva Group Life Insurance Scheme Rules. (Principal Employer Non Limited Company) Aviva Group Life Insurance Scheme Rules (Principal Employer Non Limited Company) Important notes These Rules are intended to be used where the Principal Employer that is setting up the Scheme is either

More information

Spouse s and Partner s Group Life Assurance

Spouse s and Partner s Group Life Assurance TECHNICAL GUIDE Spouse s and Partner s Group Life Assurance Because everyone needs a back-up plan unum.co.uk Technical Summary Technical Guide for Commercial customers and their advisers. This product

More information

Income Protection Solutions

Income Protection Solutions Income Protection Solutions Adviser s Data Capture Form Please note that this is NOT an Application Form The purpose of this form is to help you, the Adviser, gather information from your client before

More information

Income Protection Solutions

Income Protection Solutions Income Protection Solutions Income Protection Solutions Key Features Document This Key Features document gives you the main points about the Aviva Income Protection plan you re considering; it should be

More information

Group Life Assurance. Technical Guide. Group Life Assurance for Death in Service Benefits under Registered Occupational Pension Schemes

Group Life Assurance. Technical Guide. Group Life Assurance for Death in Service Benefits under Registered Occupational Pension Schemes Group Life Assurance Group Life Assurance for Death in Service Benefits under Registered Occupational Pension Schemes Technical Guide This Technical Guide does not constitute contractual Terms Registered

More information

Online Group Life Policy for Registered Schemes Technical Guide

Online Group Life Policy for Registered Schemes Technical Guide For commercial customers and their advisers only Online Group Life Policy for Registered Schemes Technical Guide Reference BGR/5576/SEP13 Contents Page Its aims Employers your commitment Risk factors How

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

Group Life Policy for Registered Schemes Technical Guide

Group Life Policy for Registered Schemes Technical Guide For commercial customers and their advisers only Group Life Policy for Registered Schemes Technical Guide Reference BGR/4507/FEB10-P Contents Page Its aims 3 Employers your commitment Risk factors How

More information

my Aviva flex and my Aviva products

my Aviva flex and my Aviva products and my Aviva products For more detailed comparison information on the products available, follow these links GN20704 (05/2015) Life insurance Life insurance through my Aviva flex Life insurance through

More information

Flexible Benefits Technical summary

Flexible Benefits Technical summary Flexible Benefits Technical summary An excellent choice Canada Life Limited aims to satisfy your specific requirements for Group Life, Group Income Protection or Group Critical Illness cover. With us you

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

My Health Cash Plan for Groups. Group Member Handbook

My Health Cash Plan for Groups. Group Member Handbook My Health Cash Plan for Groups Group Member Handbook My Health Cash Plan for Groups My Health Cash Plan for Groups is a product designed to help you with your everyday healthcare needs. Your company has

More information

Solutions Application Form

Solutions Application Form Solutions Application Form group size appropriate to your policy: 2-99 group members 100-249 group members read through the following before completing this application in BLOCK CAPITALS and in black ink.

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

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

Using your AVC to protect your loved ones. Life Assurance

Using your AVC to protect your loved ones. Life Assurance Using your AVC to protect your loved ones Life Assurance > Of course, none of us want to die before we get to enjoy the freedom of retirement. But what if the worst did happen? You d want your loved ones

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

my Aviva flex Critical illness

my Aviva flex Critical illness Critical illness Critical illness through my Aviva flex Critical illness through my Aviva products How can I get Aviva critical illness cover deals as an Aviva employee? Critical Illness can be selected

More information

Application for Private Medical Insurance Policyholders switching to Healthier Solutions

Application for Private Medical Insurance Policyholders switching to Healthier Solutions For office use only SR. Application for Private Medical Insurance Policyholders switching to Healthier Solutions Important: please read this section and then complete the application in BLOCK CAPITALS

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

Group Income Protection Technical Guide

Group Income Protection Technical Guide For commercial customers and their advisers only Group Income Protection Technical Guide Reference BGR/4019/OCT12 Contents Page Its aims Employers your commitment Risk factors How does the policy work?

More information

United of Omaha Life Insurance Company A Mutual of Omaha Company. voluntary term life insurance. work. for you UGC8914_0409

United of Omaha Life Insurance Company A Mutual of Omaha Company. voluntary term life insurance. work. for you UGC8914_0409 United of Omaha Life Insurance Company A Mutual of Omaha Company voluntary term life insurance Benefits work that for you UGC8914_0409 Eligibility All full-time employees, who are citizens or permanent

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

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

Online Group Income Protection Technical Guide

Online Group Income Protection Technical Guide For commercial customers and their advisers only Online Group Income Protection Technical Guide Reference BGR/5575/SEP13 Contents Page Its aims Employers your commitment Risk factors How does the policy

More information

Havensrock Trustees Registered Group Life Assurance

Havensrock Trustees Registered Group Life Assurance Havensrock Trustees Registered Group Life Assurance Technical Guide 30 th July 2015 - vs1.5 Havensrock Trustee Registered Group Life Assurance - Technical Guide 1 Havensrock Technical Guide Welcome to

More information

Technical Guide GROUP INCOME PROTECTION TECHNICAL GUIDE. People you can trust- A company you can rely on

Technical Guide GROUP INCOME PROTECTION TECHNICAL GUIDE. People you can trust- A company you can rely on Technical Guide GROUP INCOME PROTECTION TECHNICAL GUIDE People you can trust- A company you can rely on Who are Omnilife? Omnilife is a specialist insurer providing Group Risk benefits for employers that

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

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

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 Why life insurance? Should I be considering life insurance? Taking out life insurance is an important decision one of the most important you ll

More information

Havensrock Registered Group Life Assurance

Havensrock Registered Group Life Assurance Havensrock Registered Group Life Assurance Technical Guide 30 th July 2015 vs2.2 Havensrock Registered Group Life Assurance - Technical Guide 1 Havensrock Technical Guide Welcome to our Technical Guide.

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

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

The Aviva relocation trends report. Insights, challenges and solutions to aid successful relocation

The Aviva relocation trends report. Insights, challenges and solutions to aid successful relocation The Aviva relocation trends report Insights, challenges and solutions to aid successful relocation Contents 3 Introduction 4 Relocation trends 6 What makes people want to experience a new country? 7 Challenges

More information

Havensrock Excepted Group Life Assurance

Havensrock Excepted Group Life Assurance Havensrock Excepted Group Life Assurance Technical Guide 30 th July 2015 vs2.2 Havensrock Excepted Group Life Assurance - Technical Guide 1 Havensrock Technical Guide Welcome to our Technical Guide. This

More information

Technical Guide GROUP LIFE ASSURANCE TECHNICAL GUIDE DEATH-IN-SERVICE BENEFITS INSURED UNDER AN EXCEPTED GROUP LIFE ASSURANCE TRUST

Technical Guide GROUP LIFE ASSURANCE TECHNICAL GUIDE DEATH-IN-SERVICE BENEFITS INSURED UNDER AN EXCEPTED GROUP LIFE ASSURANCE TRUST Technical Guide GROUP LIFE ASSURANCE TECHNICAL GUIDE DEATH-IN-SERVICE BENEFITS INSURED UNDER AN EXCEPTED GROUP LIFE ASSURANCE TRUST People you can trust- A company you can rely on Who are Omnilife? Omnilife

More information

GROUP LIFE ASSURANCE AND DEPENDANTS PENSIONS.

GROUP LIFE ASSURANCE AND DEPENDANTS PENSIONS. GROUP PROTECTION GROUP LIFE ASSURANCE AND DEPENDANTS PENSIONS. Registered schemes and excepted group life policies. Helping you understand our policy. This is an important document which we suggest you

More information

Toronto District School Board GROUP LIFE INSURANCE FOR TEACHERS

Toronto District School Board GROUP LIFE INSURANCE FOR TEACHERS INTRODUCTION Toronto District School Board GROUP LIFE INSURANCE FOR TEACHERS This group life insurance plan, under policy G. 10450 with Canada Life, originated in 1971. It is managed by a joint Management

More information

Life Insurance policy

Life Insurance policy Life Insurance Because everyone needs a back-up plan Life Insurance policy User guide - including general terms Life Insurance policy User guide This document: Explains the main features of our Life Insurance

More information

Group Critical Illness Insurance Policy UGCIPOL/08/2008

Group Critical Illness Insurance Policy UGCIPOL/08/2008 Group Critical Illness Insurance Policy UGCIPOL/08/2008 GROUP CRITICAL ILLNESS INSURANCE POLICY This policy is issued by Unum Limited (called Unum in this policy) to the policyholder named in the schedule.

More information

Excepted Group Life Assurance. Policy Conditions

Excepted Group Life Assurance. Policy Conditions Excepted Group Life Assurance Policy Conditions Group Life Assurance Policy Thank you for choosing Optimal. By selecting Optimal you have chosen to insure your Group Life benefits with one of the newest

More information

METLIFE Group Life (INCLUDING FLEXIBLE BENEFITS) Technical Guide

METLIFE Group Life (INCLUDING FLEXIBLE BENEFITS) Technical Guide METLIFE Group Life (INCLUDING FLEXIBLE BENEFITS) Technical Guide 1 MetLife Group Life Policies Technical Guide MetLife has a range of policies aimed to meet your life cover needs in respect of your employees

More information

Overdraft Payment Protection Insurance Policy Summary

Overdraft Payment Protection Insurance Policy Summary Overdraft Payment Protection Insurance Policy Summary This is a summary of the optional Overdraft Payment Protection Insurance policy and does not contain the full terms and conditions of the cover which

More information

Technical Guide GROUP LIFE ASSURANCE TECHNICAL GUIDE DEATH-IN-SERVICE BENEFITS FOR REGISTERED OCCUPATIONAL PENSION SCHEMES

Technical Guide GROUP LIFE ASSURANCE TECHNICAL GUIDE DEATH-IN-SERVICE BENEFITS FOR REGISTERED OCCUPATIONAL PENSION SCHEMES Technical Guide GROUP LIFE ASSURANCE TECHNICAL GUIDE DEATH-IN-SERVICE BENEFITS FOR REGISTERED OCCUPATIONAL PENSION SCHEMES People you can trust- A company you can rely on Who are Omnilife? Omnilife is

More information

City of Tuscaloosa GVTL-AE3M Revised: January 1, 2016 All Eligible Employees

City of Tuscaloosa GVTL-AE3M Revised: January 1, 2016 All Eligible Employees City of Tuscaloosa GVTL-AE3M Revised: January 1, 2016 All Eligible Employees This Summary of Coverage provides a brief description of some of the terms, conditions, exclusions and limitations of Your employer

More information

Group Income Protection Insurance Policy GIPPOL(EMPLOYEE)/04/2008

Group Income Protection Insurance Policy GIPPOL(EMPLOYEE)/04/2008 Group Income Protection Insurance Policy GIPPOL(EMPLOYEE)/04/2008 GROUP INCOME PROTECTION INSURANCE POLICY This policy is issued by Unum Limited (called Unum in this policy) to the policyholder named in

More information

O P Q RETIREMENT & DEATH BENEFITS PLAN. For Employees of The OPQ Company MEMBERS' BOOKLET

O P Q RETIREMENT & DEATH BENEFITS PLAN. For Employees of The OPQ Company MEMBERS' BOOKLET O P Q RETIREMENT & DEATH BENEFITS PLAN For Employees of The OPQ Company MEMBERS' BOOKLET 2014 EDITION Reviewed January 2014 INTRODUCTION This booklet is an overview of the main benefits and conditions

More information

2013 No. 2356 PUBLIC SERVICE PENSIONS, ENGLAND AND WALES. The Local Government Pension Scheme Regulations 2013

2013 No. 2356 PUBLIC SERVICE PENSIONS, ENGLAND AND WALES. The Local Government Pension Scheme Regulations 2013 S T A T U T O R Y I N S T R U M E N T S 2013 No. 2356 PUBLIC SERVICE PENSIONS, ENGLAND AND WALES The Local Government Pension Scheme Regulations 2013 Made - - - - 12th September 2013 Laid before Parliament

More information

Northwest Independent School District Policy # 628663

Northwest Independent School District Policy # 628663 Educator Select Income Protection Plan Insurance Highlights Northwest Independent School District Policy # 628663 Please read carefully the following description of your Unum Educator Select Income Protection

More information

SELECT SIPP. Taking pension benefits guide

SELECT SIPP. Taking pension benefits guide SELECT SIPP Taking pension benefits guide Please read this guide in conjunction with the Alliance Trust Savings Handbook and the appropriate Key Features documents. Alliance Trust Savings does not give

More information

Group Life Assurance. Registered Policy Terms and Conditions. GLA Policy Conditions and Definitions/06.11(4)

Group Life Assurance. Registered Policy Terms and Conditions. GLA Policy Conditions and Definitions/06.11(4) Group Life Assurance Registered Policy Terms and Conditions GLA Policy Conditions and Definitions/06.11(4) GENERAL CONDITIONS 1. PERIOD OF POLICY Subject to the provisions of these General Conditions this

More information

Registered Group Life Assurance Technical Guide

Registered Group Life Assurance Technical Guide Registered Group Life Assurance Technical Guide Thank you for choosing Optimal. By selecting Optimal you have chosen to insure your Group Life benefits with one of the newest and fastest growing Group

More information

3.7 billion was the total cost of long term sickness to the UK economy in 2009.

3.7 billion was the total cost of long term sickness to the UK economy in 2009. What is Income Protection? There is a huge unrealised need in the UK to protect employees better if they get ill and can t earn a living for an extended period of time. 3.7 billion was the total cost of

More information

The Dublin Solicitors Bar Association Income Protection Scheme Available to all practicing Solicitors in Ireland

The Dublin Solicitors Bar Association Income Protection Scheme Available to all practicing Solicitors in Ireland The Dublin Solicitors Bar Association Income Protection Scheme Available to all practicing Solicitors in Ireland FFGENERAL New Dublin Solicitors Bar Association Group Income Protection Scheme This brochure

More information

RELEVANT TECHNICAL LIFE GUIDE PLAN TO THE RELEVANT LIFE PLAN RELEVANT LIFE PLAN TECHNICAL GUIDE.

RELEVANT TECHNICAL LIFE GUIDE PLAN TO THE RELEVANT LIFE PLAN RELEVANT LIFE PLAN TECHNICAL GUIDE. RELEVANT TECHNICAL LIFE GUIDE PLAN TO THE RELEVANT LIFE PLAN 1 RELEVANT LIFE PLAN TECHNICAL GUIDE. 2 TECHNICAL GUIDE TO THE RELEVANT LIFE PLAN ABOUT THIS GUIDE This guide has been designed for financial

More information

Credit Card Payment Protection Insurance Policy Summary

Credit Card Payment Protection Insurance Policy Summary Credit Card Payment Protection Insurance Policy Summary This is a summary of the optional Credit Card Payment Protection Insurance policy and does not contain the full terms and conditions of the cover

More information

DH Advisor Guide 6pp SEP 2013_Layout 1 20/09/2013 15:34 Page 3 Advisor Guide 1

DH Advisor Guide 6pp SEP 2013_Layout 1 20/09/2013 15:34 Page 3 Advisor Guide 1 Advisor Guide 1 This guide is for use by independent financial advisors only. Full details of our contract are contained in the Memorandum and Rules. Who are we? Set up over 100 years ago, Dentists Provident

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

Canada Life Group Income Protection

Canada Life Group Income Protection A policyholder s guide to making a claim frequently asked questions We aim to make the claims process as straightforward as possible. This leaflet guides you through the process and answers some of the

More information

VOLUNTARY TERM LIFE INSURANCE

VOLUNTARY TERM LIFE INSURANCE UNITED OF OMAHA LIFE INSURANCE COMPANY A MUTUAL a/omaha COMPANY VOLUNTARY TERM LIFE INSURANCE TOLEDO ELECTRICAL WELFARE FUND UGC8920 The Board of Trustees is pleased to announce that all eligible members

More information

FACTS AND FEATURES SIDE BY SIDE.

FACTS AND FEATURES SIDE BY SIDE. INCOME PROTECTION BENEFIT PLAN (IPB) AND FACTS AND FEATURES SIDE BY SIDE. It s our aim to make selling income protection as simple as possible. Here, we ve compared the features of our Income Protection

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

METLIFE SINGLE LIFE RELEVANT LIFE POLICY TERMS AND CONDITIONS

METLIFE SINGLE LIFE RELEVANT LIFE POLICY TERMS AND CONDITIONS METLIFE SINGLE LIFE RELEVANT LIFE POLICY TERMS AND CONDITIONS Contents 1 The MetLife Single Life Relevant Life policy 4 2 Definitions 4 3 Minimum requirements for the MetLife Single Life Relevant Life

More information

Help Protect Your Most Valuable Asset Your Income

Help Protect Your Most Valuable Asset Your Income Help Protect Your Most Valuable Asset Your Income NJEA Endorsed Disability Insurance Program For enrollments on and after October 1, 2012 The Prudential Insurance Company of America 02046-00002-00 Think

More information

GROUP INCOME PROTECTION.

GROUP INCOME PROTECTION. GROUP PROTECTION GROUP INCOME PROTECTION. Helping you understand our policy. This is an important document which we suggest you keep in a safe place. GIP 11.2013 TECHNICAL GUIDE 2. USING THIS DOCUMENT

More information

Your Loan Payment Protection Insurance Policy Summary

Your Loan Payment Protection Insurance Policy Summary Your Loan Payment Protection Insurance Policy Summary This is a summary of the optional Payment Protection Insurance policy and does not contain the full terms and conditions of the cover which can be

More information

Tasmanian Accumulation Scheme Death and Incapacity Cover

Tasmanian Accumulation Scheme Death and Incapacity Cover Death and Incapacity Cover Retirement Benefits Fund Tasmanian Accumulation Scheme Death and Incapacity Cover Information in this brochure is current as at 18 January 2012 Retirement Benefits Fund Tasmanian

More information

Unum Select Income Protection

Unum Select Income Protection TECHNICAL GUIDE Unum Select Income Protection Because everyone needs a back-up plan unum.co.uk Product overview provides benefits for employees who are unable to work through illness or injury. Allows

More information

EMPLOYEE LIFE INSURANCE

EMPLOYEE LIFE INSURANCE EMPLOYEE LIFE INSURANCE Life Benefit The Insurer will pay the amount of life insurance in force on the employee at the date of death provided that the Insurer receives due proof that the employee died

More information

The business case for private health cover Aviva s guide to protecting your company and your employees

The business case for private health cover Aviva s guide to protecting your company and your employees The business case for private health cover Aviva s guide to protecting your company and your employees We are one of the UK s leading providers of health and protection solutions, and experts in providing

More information

Hospital Lists J3612-GEN2318-0815-001.indd 1 11/08/15 7:22 pm

Hospital Lists J3612-GEN2318-0815-001.indd 1 11/08/15 7:22 pm Hospital Lists J3612-GEN2318-0815-001.indd 1 Hospital Lists With Aviva it s reassuring to know that not only will you have access to top quality medical care, but that you can also choose the hospital

More information

METLIFE EXCEPTED GROUP LIFE POLICY TECHNICAL GUIDE

METLIFE EXCEPTED GROUP LIFE POLICY TECHNICAL GUIDE METLIFE EXCEPTED GROUP LIFE POLICY TECHNICAL GUIDE This document is a guide to the features, benefits, risks and limitations of the MetLife Excepted Group Life policy, including how the policy works and

More information

Unum Sick Pay Insurance

Unum Sick Pay Insurance TECHNICAL GUIDE Unum Sick Pay Insurance Because everyone needs a back-up plan unum.co.uk Product overview The (SPI) policy is classified as a long-term insurance contract (between Unum and the policyholder),

More information

Pension Annuity. Key Features

Pension Annuity. Key Features Helping you decide The Financial Services Authority is the independent financial services regulator. It requires us to give you this important information to help you to decide whether our Pension Annuity

More information

Excepted Group Life Assurance for Police Federations

Excepted Group Life Assurance for Police Federations Group Life Assurance Excepted Group Life Assurance for Police Federations Policy Conditions Retired Officers The nature of the Policy The Policy is an excepted group life Policy as defined in section 482(2)

More information

GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY TERMS & CONDITIONS

GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY TERMS & CONDITIONS GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY TERMS & CONDITIONS 1 CONTENTS 1. The policy 2 2. Definitions 3 3. Minimum requirements for the policy 7 4. Eligible employees and

More information

This Plan is written confirmation of a contract between us (Aviva Life and Pensions UK Limited) and the Planholder(s) named in the Plan Schedule.

This Plan is written confirmation of a contract between us (Aviva Life and Pensions UK Limited) and the Planholder(s) named in the Plan Schedule. Life Insurance Plan Conditions This Plan is written confirmation of a contract between us (Aviva Life and Pensions UK Limited) and the Planholder(s) named in the Plan Schedule. In return for the agreed

More information

GROUP INCOME PROTECTION

GROUP INCOME PROTECTION GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY technical guide This document is a guide to the features, benefits, risks and limitations of the policy, including how the policy

More information

Pension Annuity (including the Enhanced Pension Annuity)

Pension Annuity (including the Enhanced Pension Annuity) Pension Annuity (including the Enhanced Pension Annuity) Terms and Conditions Retirement Investments Insurance Health Retirement Investments Insurance Health Retirement Investments Insurance Health Welcome

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

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

Key Features. Pension Annuity. This brochure outlines the key features of the Just Retirement Pension Annuity. Contents

Key Features. Pension Annuity. This brochure outlines the key features of the Just Retirement Pension Annuity. Contents Pension Annuity Key Features This brochure outlines the key features of the Just Retirement Pension Annuity. The Financial Conduct Authority is a financial services regulator. It requires us, Just Retirement,

More information

How To Buy A Partnership Pension Annuity

How To Buy A Partnership Pension Annuity Helping you decide The Financial Conduct Authority is a financial services regulator. It requires us to give you this important information to help you to decide whether our Pension Annuity is right for

More information

25 Must Ask Annuity Questions

25 Must Ask Annuity Questions 25 Must Ask Annuity Questions When Can I Buy An Annuity? Who Is The Best Annuity Provider? Why Do I Need Advice? 1. What is an Annuity? If you have a private pension when you retire you can purchase an

More information

Registered Group Life Policies

Registered Group Life Policies Registered Group Life Policies Technical Guide (inc. Flexible Benefit Policies) 1 1 Its aims 1.1 How does the Policy work? 1.2 Your commitment 1.3 Risk factors 2 What factors should be considered in deciding

More information

Key Features. Pension Annuity. This brochure outlines the key features of the Just Retirement Pension Annuity. Contents

Key Features. Pension Annuity. This brochure outlines the key features of the Just Retirement Pension Annuity. Contents Pension Annuity Key Features This brochure outlines the key features of the Just Retirement Pension Annuity. The Financial Conduct Authority is a financial services regulator. It requires us, Just Retirement,

More information

Protect. Policy Summary. Long Term and Short Term. ...the feeling s mutual

Protect. Policy Summary. Long Term and Short Term. ...the feeling s mutual Protect Long Term and Short Term Policy Summary If you want to know you re getting good value, fair and reliable Income Protection that does what it says on the tin...the feeling s mutual This document

More information

Excepted Group Life Assurance for Police Federations

Excepted Group Life Assurance for Police Federations Group Life Assurance Excepted Group Life Assurance for Police Federations Policy Conditions Serving Officers The nature of the Policy The Policy is an excepted group life Policy as defined in section 482(2)

More information

Key Features of the Just Retirement. Key Features of the Just Retirement Fixed Term Annuity

Key Features of the Just Retirement. Key Features of the Just Retirement Fixed Term Annuity Key Features of the Just Retirement Fixed Term Annuity This brochure outlines the key features of the Just Retirement Fixed Term Annuity. The Financial Conduct Authority is a financial services regulator.

More information

A SIMPLE BUSINESS BOOST.

A SIMPLE BUSINESS BOOST. GROUP PROTECTION ADVISER GUIDE A SIMPLE BUSINESS BOOST. Group protection is a growing area in financial services. It offers an opportunity to widen your proposition, and this guide will help you take full

More information

Continuing Health Care Benefits. Continuing Coverage for Dependent Students on Medical Leave of Absence. Handicapped Dependent Children. www.aetna.

Continuing Health Care Benefits. Continuing Coverage for Dependent Students on Medical Leave of Absence. Handicapped Dependent Children. www.aetna. Important Disclosure Information New Hampshire Addendum Certain state laws require the disclosure of additional information. Described below is additional information applicable New Hampshire residents

More information

Insurance guide. SignatureSuper MetLife fact sheet. Issued ₁ July ₂₀₁₅

Insurance guide. SignatureSuper MetLife fact sheet. Issued ₁ July ₂₀₁₅ Issued ₁ July ₂₀₁₅ Insurance guide SignatureSuper MetLife fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the

More information

Income Assured Plus. Income Assured Plus

Income Assured Plus. Income Assured Plus Key Features of Income Assured Plus Income Assured Plus Helping you find your way - your income protection options Important Information n This document summarises the key features of our income protection

More information

Make the most of every investment opportunity.

Make the most of every investment opportunity. INTRODUCTION The purpose of this Plan is to provide you with an income in the event of a loss of earnings due to disability for a period of more than six months. The rates, terms and conditions of the

More information