Critical Illness Cover - Information

Our Critical Illness Cover is a plan which aims to pay out a lump sum if the Life Assured is diagnosed as suffering from one of the critical illnesses we cover during the term of their plan and is eligible to claim. The Plan will also pay a lump sum if the Life Assured becomes eligible for Terminal Illness benefit, (for example where life expectancy is less than 12 months) or if they die during the term of the plan. Note - Terminal Illness Cover does not apply to the last 18 months of the plan.
Critical Illness Cover automatically includes cover for the Insured's children (and any future children they may have) during the term of the plan. Children are covered from when they are 26 weeks old up to their 18th birthday (subject to conditions).
Other options, which can be included in your plan, are:

• Single or joint life contract
• Waiver of payment
• Guaranteed Insurability Option

The above options are subject to terms and conditions, which can be found in the policy document or technical guide both of which are available upon request

Family and Personal Income Plan - Information

Our Family and Personal Income Plan aims to provide a regular, monthly income for dependants if the Life Assured dies or suffers a Terminal or Critical Illness.
The Family and Personal Income Plan is set up as a regular income plan at the outset and can be taken as Life Cover or Life and Critical Illness Cover. This means that the Life Assured's dependants can have a regular income if the Life Assured dies or if they suffer a terminal or from one of a list of critical illnesses during the term of the cover and are eligible to claim, helping their family to meet daily living costs and to maintain their standard of living.
The plan automatically includes:
•  Terminal Illness Cover - this does not apply to the last 18 months of the plan
If Critical Illness Cover is chosen, the plan also automatically includes:
•  Children's Critical Illness Cover

Some of the following options and benefits may not be available. However if they are they must be chosen at the start of the plan and there may be an additional cost.
•  Indexation - Helping your cover to keep pace with inflation
•  Single or joint life contract
•  Waiver of payment
•  Guaranteed Insurability Option
The above options are subject to terms and conditions which can be found in the policy document or technical guide both of which are available upon request

Income Protection Benefit - Information

Income protection benefit is designed to provide the Life Assured with a regular benefit if they suffer illness, injury or unemployment (if this cover is selected) and are unable to work resulting in a loss of earnings. If the Life Assured does not work, the benefit paid can help meet additional expenditure.
Some of the following options and benefits may not be available. However if they are they must be chosen at the start of the plan and there may be an additional cost.

•  Index-linking to help keep pace with inflation
•  Low cost option
•  Permanent and Total Incapacity Benefit
•  Stepped benefits
•  Unemployment Cover
Unemployment Cover
For an extra premium the Life Assured can choose to take Unemployment Cover as an option alongside their Income Protection Benefit. Under this option, the benefit is payable for up to 24 months (maximum of 12 months for low cost plan). Deferred periods for unemployment cover are either 4 or 13 weeks.

Unemployment Cover is provided by Legal & General Insurance Limited.

The above options are subject to terms and conditions which can be found in the policy document or technical guide both of which are available upon request

Whole of Life Protection Plan - Information

The Whole of Life Protection plan is a life assurance contract designed to give you a specified amount of life cover for the whole of your life.
The plan has no surrender value and no cash in value.
Premiums are fixed at the start of your policy and will stay the same unless you choose to increase your level of cover, you index link your policy or you exercise your Guaranteed Insurability Option.
This plan can be taken out for:
•  Family Protection - to protect your dependants financially by providing a lump sum which they use to provide an income or pay off outstanding debts
•  Inheritance Tax planning - this plan can help to fund the Inheritance tax (IHT) payable on the life assured/s death
•  Business protection - to protect the business against financial loss on the death of a key person or for Partners' or Directors share protection.
Some of the following options and benefits may not be available. However if they are they must be chosen at the start of the plan and there may be an additional cost.
•  Indexation
•  Waiver of Premium
•  Choice of single life, or joint life first death or joint life second death options
•  Guaranteed Insurability Option.
All the above are subject to terms and conditions which can be found in the policy document or technical guide, both of which are available on request

Mortgage Payment Insurance - Information

Legal & General's Mortgage Payment Insurance Plan is designed to help pay monthly mortgage payments if the Life Assured suffers an accident or sickness, or for an extra premium, if they become unemployed and are unable to work resulting in a loss of earnings.
This plan is only available with a new mortgage, re-mortgage or further advance on an existing mortgage.

At the time of a claim, the benefit will be paid after a deferred period which is chosen at outset. The deferred periods available are 4*, 8, 13, 26 or 52 weeks. After the chosen deferred period, a monthly benefit will be paid to help pay the monthly mortgage payments. The Life Assured can decide the amount of monthly benefit up to a maximum of 140% of the monthly mortgage payment, or 50% of their pre-incapacity earnings up to £45,000 together with 20% of their pre-incapacity earnings over £45,000.
During a claim period, the premiums will continue to be paid for the Life Assured so that the plan can continue to provide cover.
Benefit is payable until the Life Assured is fit enough to return to work, they reach retirement age, reach age 69 or die - whichever happens first.
* The 4 week deferred period is only available for certain occupations.
The Mortgage Payment Plan automatically includes:
SmoothMove - 24 hour moving day rescue service
Some of the following options and benefits may not be available. However if they are they must be chosen at the start of the plan and there may be an additional cost.
•  Joint Cover
•  Unemployment Cover
•  Guaranteed Insurability Option
•  Waiver