# LV= LIFE INSURANCE. Plan Conditions Document reference: LVLI3

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1 LV= LIFE INSURANCE Plan Conditions Document reference: LVLI3

2 LV= Life Insurance Plan Conditions Welcome to LV=, and thank you for choosing LV= Life Insurance These conditions and your Plan Schedule, application, any declarations you have made and any documents we send you confirming changes to your plan and the amount of your cover, form a contract between you and us. These are important documents, so please keep them in a safe place. This contract is signed on our behalf and starts on the date shown in your Plan Schedule. Mike Rogers Chief Executive LV=, Pynes Hill House, Rydon Lane, Exeter, EX2 5SP. If we can help you, by providing this document in Braille, in large print or on audio, please let us know. 1

12 If you have decreasing cover we do a different calculation. This is because your amount of cover goes down each month. When you are diagnosed with a terminal illness, this means it is assumed that you will not live for more than 12 months. So we take the amount of cover at the date you are diagnosed with a terminal illness, and the amount that it would have reduced to 12 months after the date you are diagnosed, and take the average of these two amounts. We do this because we cannot be absolutely sure what the amount of cover would be when you die. We then reduce this average figure by 3%. Example Decreasing cover Let s assume Patricia and Alex took out a plan for 25 years, with decreasing cover. The amount of cover for their plan was 100,000 when their plan started, and decreased each month using an interest rate of 7%. After 15 years Patricia was diagnosed with a terminal illness, and Patricia and Alex ask us to advance the payment of the amount of cover. At the time Patricia was diagnosed with the terminal illness their amount of cover had decreased to 60,270. In a further 12 months their cover would have decreased to 55,900. So we worked out the average, which was 58, , ,900 = 116, ,170 2 = 58,085 We then reduced this figure by 3% 58,085 x 3% = 1,743 58,085-1,743 = 56,342 So we offered to pay Patricia and Alex 56,342, rather than the 60,270 that their cover had decreased to at the time Patricia was diagnosed with a terminal illness. Of course Patricia and Alex could decide not to accept this reduced figure, and carry on paying their premiums. However if Patricia did die 12 months after being diagnosed, their cover would have reduced to 55,900 and they would have paid another years worth of premiums. Once we agree to pay your terminal illness claim, we will also refund any premiums that you have paid between the date you were diagnosed with a terminal illness, and the date we pay your claim. 11

19 LV.com You can get this and other documents from us in Braille, large print or on audio by contacting us. Liverpool Victoria Friendly Society Limited: County Gates, Bournemouth BH1 2NF. LV= and Liverpool Victoria are registered trade marks of Liverpool Victoria Friendly Society Limited (LVFS) and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria group of companies. LVFS is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number Registered address: County Gates, Bournemouth BH1 2NF. Tel: /13

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