LIFE & DISABILITY COVER

Life Cover pays out a cash sum if you die or, if your cover is for three years or more, are diagnosed with a terminal illness leading to a claim for Accelerated Life Cover during the cover term. If we pay the cash sum, this cover will end.

• Critical Illness Cover pays out a cash sum if, during the cover term, you are first diagnosed, after at least 90 days from the day we start your cover, with a critical illness or disability that meets our policy definition and then survive for at least 28 days. If we pay the cash sum, this cover will end.
• Life or Earlier Critical Illness Cover pays out a cash sum if, during the cover term, you die, are first diagnosed with a terminal illness leading to a claim for Accelerated

Life Cover or, after at least 90 days from the day we start your cover, you are first diagnosed with a critical illness or disability that meets our policy definition. If we pay the cash sum, this cover will end.

• You simply choose how much of each type of cover you need and how long you want it to last.
• You must be aged 18 or over to take out the plan.
• You can pay monthly or annually.

Total and Permanent Disability Benefit

• If you’re applying for Life Cover and are aged under 55, in good health and not in a high risk occupation, you can choose to include Total and Permanent Disability Benefit from the start at an extra cost.
• It pays a cash sum equal to the Life Cover if during the cover term and before your 65th birthday, you become totally and permanently unable, because of physical illness or injury, to meet certain disability criteria. If we pay the cash sum, the Life Cover will end.
• For cover set up on two lives you can choose to include this benefit on either or both lives.

How flexible is it?

• You can increase or reduce the cover level.
• You can increase or reduce the cover term.
• Increases may be subject to your health, family history, country of residence or intended residence, occupation and pastimes at the time. Any changes are also subject to the terms and conditions at that time.
• If you increase or reduce your cover level or cover term your premiums.