Protection | Personal Menu PLAN DETAILS FOR PLAN DETAILSFOR THE PERSONAL MENU PLAN May 2016

WE GIVE THIS BOOKLET TO Cancelling your plan EVERYONE WHO BUYS A PERSONAL MENU PLAN. IT CONTAINS THE If, after taking out the plan, you feel it isn’t PLAN’S TERMS AND CONDITIONS, suitable, you may cancel it by writing to us at AND IT TELLS YOU HOW YOUR PLAN the address shown on page 4. If you do this WORKS. IT ALSO EXPLAINS HOW within 30 days of it starting, we’ll return any TO MAKE A CLAIM, KEEP YOUR premiums you’ve paid. If you cancel after PREMIUMS UP-TO-DATE AND HOW the first 30 days, we won’t refund any of the TO MAKE CHANGES. premiums. If you would like this booklet or any other These terms and conditions are part of information in large print, in braille or on the contract between the plan owner and audio CD, please call 0345 6094 500. Royal London so please keep them in a safe place, as you may need them in the Before you start, please note: future. Any words in bold are defined in section 7. The contract between you and Royal London consists of your application to us, these terms and conditions, the cover summary for each cover that you buy and any endorsements to these terms and conditions that we give you. Where there’s a conflict between the terms and conditions and the cover summary, the terms set out in the cover summary will apply.

Page 2 of 52 WHAT’S INSIDE

SECTION 1: SECTION 5: 5 The covers in the plan 25 Claims definitions

5 Summary of the main covers 26 Additional Conditions 27 Critical Illness definitions SECTION 2: 39 Incapacitated 6 How your plan works 41 Terminal Illness 6 How to make a claim 41 Unemployed 7 What happens when you make a claim SECTION 6: 7 Who we’ll pay 43 General terms and conditions 7 When we will and won’t pay a claim 8 Connected claims 43 Source of covers 12 How much we’ll pay 43 Membership of Royal London 16 Getting a lump sum instead of 43 Cancelling your plan regular payments 44 How we use your personal information and verify your identity SECTION 3: 46 When we may change the terms and 18 Your premiums conditions applying to your plan or cancel your plan 18 More about premium types and frequency 47 Change of occupation 18 What happens if you don't 47 Complaints pay a premium 48 If we can't meet our liabilities 18 What to do if we cancel your plan 48 Law 18 When and how your premiums SECTION 7: could change 49 Definitions of the words we use 19 Reviewable premiums

SECTION 4: 20 Changing your plan

20 Increasing cover 20 Cover Increase Options 22 Renewable option 22 Joint Life Separation - splitting your plan 23 Joint Life Reinstatement 23 Lifestyle review 24 Changing your plan in other ways

Page 3 of 52 TELLING US ABOUT CHANGES

Changes before your plan starts You can contact us in the following ways: 0345 6094 500 You must tell us if there’s a change to anything in your application after you’ve [email protected] applied for your plan, but before the date we 0345 6094 522 assume risk. These changes could be affecting you or the person covered. For example, Royal London, 1 Thistle Street, a change to health, occupation or leisure Edinburgh EH2 1DG activities. If you don’t let us know about any royallondon.com changes we might not pay out. Or, we might change the terms of your plan or cancel it. If you phone us, we might record or monitor your call so we have an accurate We’ ll give you a copy of your application form, record of anything you tell us. and any other information we’ve been given, if you ask us. It will help if you have your plan number to hand when you contact us. Changes at any time At any time, please remember to tell us if: • you or the person covered stop being resident in the UK, Jersey, Guernsey or the Isle of Man • you or the person covered change your name • you change your address • you change your bank account

Page 4 of 52 1. SUMMARY OF THE MAIN COVERS

You choose which covers to have in your plan, depending on what you need.

Income Protection Life or Critical Illness Cover This pays you an income if the person This pays out if the person covered either covered can’t work because of an illness dies or is diagnosed with a terminal illness or injury and they meet our definition of or critical illness we cover that meets our incapacitated. definition, or if they meet our definition of total permanent disability. Unemployment Cover Waiver of Premium (Sickness) This pays you an income if the person covered is made redundant or unemployed This pays your plan premiums if the person through no fault of their own, or if they covered can’t work or carry out a number have to give up work to become a carer for a of living tasks because of an illness or relative full-time. injury and they meet our definition of incapacitated. Life Cover Waiver of Premium (Unemployment) This pays out if the person covered either dies or is diagnosed with a terminal illness This pays your plan premiums if the person that meets our definition. covered is made redundant or unemployed, or they give up work to become a carer for a Critical Illness Cover relative full-time. This pays out if the person covered is diagnosed with a critical illness we cover that meets our definition, or if they meet our definition of total permanent disability.

You’ll find claim definitions for these covers in section 5.

Page 5 of 52 2. HOW YOUR PLAN WORKS

• • Paying claims The UK Isle of Man • • How to make a claim Australia Italy • • Austria Japan If you or your representatives want to make • • Belgium Latvia a claim, please call us on 0345 609 4500. • • Before you call, please read through the Bulgaria Liechtenstein • • information below. Please contact us as soon Canada Lithuania • • as possible, so we can help you as quickly as Channel Islands Luxembourg we can. It will help us if you have your plan • • Cyprus Malta number to hand when you contact us. • • Czech Republic The Netherlands If you’re living or working outside the UK • • and want to make a claim, we might need Denmark New Zealand • • you to return to one of the countries listed Estonia Norway • • opposite. This doesn’t apply to claims for Life Finland Poland Cover or Unemployment Cover. • • France Portugal • • Germany Slovakia • • Gibraltar Slovenia • • Greece South Africa • • Hong Kong Spain • • Hungary Sweden • • Iceland Switzerland • • Ireland USA

For Unemployment Cover claims you must be resident in the UK, Jersey, Guernsey or the Isle of Man.

Page 6 of 52 What happens when you make a claim When we will and won’t pay a claim We’ ll send you a claim form – please fill If the information you send is correct and it in and send it back to us. Depending on complete, and your claim is valid according what your claim is for, we’ll also ask for to these terms and conditions, we’ll pay other information. For example: your claim. • a birth, marriage or death certificate If you don’t send us everything we ask for, • medical information, or medical records or if the information you provide is incorrect • or incomplete, we might not be able to pay proof that your income has changed • your claim. If we’ve already started paying paperwork about your mortgage it, we might stop until correct and complete • proof that your name has changed information has been provided. We’ ll pay the reasonable cost of all medical We might also stop or not pay your claim if: reports or evidence we ask for. • you or the person covered didn’t answer the Who we’ll pay questions on your application fully, honestly and to the best of your or their knowledge We’ ll pay the cover amount to the person • who is legally entitled to receive it. This will you didn’t tell us about a change in depend on your claim, your circumstances circumstances between when you at the time, and whether the plan has been originally submitted your application and assigned or put under trust. the date we assumed risk. This includes information about the person covered's We usually pay the plan owner or, if they’ve health, occupation or leisure activities died, their personal representatives. If a personal representative wants to claim, they must send Rules that apply to all types of cover us an original Grant of Representation or Confirmation. If there are two plan owners We’ ll pay a claim for a cover if: we’ll pay them jointly. If one of them has died, • the cover is shown on your cover summary we’ll pay the survivor of them. • the claim is made during the term If the plan has been assigned, we’ll pay the of that cover assignee. If an assignee wants to claim, they • any deferred period shown on your cover must send us the original Deed of Assignment. summary has passed If the plan is under trust, we’ll pay the trustees. We won’t pay a claim if: The trustees must then follow the terms of the • trust to distribute the money to the chosen it’s the result of an exclusion shown on beneficiaries. If trustees want to claim, they your cover summary • must send us the original Trust Deed, and any it’s the result of intentional self-inflicted original deeds altering the trust. We won't be injury, unless it’s a claim for unemployment responsible for checking that the trust has been or death more than 12 months after the properly established or terminated. cover starting or restarting.

Page 7 of 52 Claims for incapacity Connected claims This applies if you have Income Protection A connected claim happens if we start to pay or Waiver of Premium (Sickness). a claim, and the person covered no longer meets our definition of incapacitated but then When we’ll pay within the next 52 weeks meets our definition We’ ll pay a claim if the person covered of incapacitated once again. meets our definition of incapacitated for a We’ ll treat your further claim as connected as continuous period longer than the deferred long as: period shown on your cover summary. You’ ll • find the definition of incapacitated in section 5. the person covered didn’t go back to work again against their doctor’s advice We’ ll continue paying until: • the person covered meets our definition • the person covered no longer meets of incapacitated from the same cause as the definition of incapacitated the original claim; and • • the person covered goes back to work the person covered is in the same • the cover payment period ends – if one’s occupation when the further claim starts shown in the additional features of your A connected claim doesn’t have a deferred cover summary period, so we’ll start to pay the claim • the cover ends, or again straightaway. • the person covered dies How your cover payment period affects To confirm that the person covered meets a connected claim our definition, we might: If the additional features of your cover summary • ask the person covered to be examined by shows you have a cover payment period, we’ll a doctor or health specialist we choose only pay a connected claim for the remainder • ask for any other evidence we may of this period if the person covered returns to reasonably require. work before this period ends. When we won’t pay This remainder is the difference between your cover payment period and how long in If we don’t get the information that we ask for months we paid your claim before the person (for example, medical information), we might covered went back to work. For example, if not pay your claim. your cover payment period is 24 months If there’s more than one person covered and we’ve paid your claim for eight months, for Waiver of Premium (Sickness) and both we’ll pay for another 16 months if the person meet our definition at the same time we’ll covered has to stop work again and they only cover the plan premiums once. meet our definition of incapacitated.

Page 8 of 52 • If the person covered goes back to work after the person covered chose to become the end of the cover payment period, we won’t unemployed or be made redundant, pay any further claim for any cause until the resigning for whatever reason, retiring, person covered has been back at work for at leaving their employment voluntarily least 52 continuous weeks. or accepting early retirement in lieu of unemployment, unless they did so to Claims for unemployment become a carer for a relative full-time • This applies if you have Unemployment Cover the person covered becomes unemployed, or Waiver of Premium (Unemployment). or is notified that they’ll become unemployed, within eight weeks of the When we’ll pay cover starting or the date we assume risk We’ ll pay a claim if the person covered is on the plan whichever is later • made unemployed through no fault of their part of the claim is for increased cover, own, or they have to give up work to become when we accepted that increase less than a carer for a relative full-time. You’ ll find eight weeks ago, or it’s been in force for the definition of unemployed in section 5. less than eight weeks • We’ ll continue paying until: the person covered wasn’t continuously • employed or self-employed for at least the cover payment period ends, if one's six consecutive months when the cover shown in the additional features of your started cover summary • • the person covered’s work when they the cover ends • claim is temporary, seasonal, casual the person covered goes back to work (including for an employment agency) • the person covered no longer meets the or regularly involves unemployment. definition of unemployed; or • Switching cover from another insurer the person covered dies If the Unemployment Cover you’ve taken We won’t pay if: out with us is replacing Unemployment • the person covered knew when they took Cover with another insurer, we’ll waive the out the cover, or could reasonably be expected eight week period mentioned above under to have known, that they were going to be ‘We won’t pay if ’, subject to some conditions made redundant, or that they were going to set out below. However, the amount of cover become a carer for a relative full-time we’ll pay if you make a claim during the • eight week period will be the lower of: the person covered lost their job because • of misconduct, including taking part in the amount you were covered for with industrial action, failing to meet their your previous insurer, or • employer’s standards or anything else that the amount covered by this plan, or • made their employer take disciplinary the maximum monthly amount we could action against them pay you.

Page 9 of 52 This amount will then be paid for the A connected claim doesn’t have a deferred remainder of your unemployment claim. period, so we’ll start to pay the claim again If you’re made unemployed after the end of straightaway. the eight week period, then the most we’ll pay you is as explained on page 14. How your cover payment period affects a connected claim We’ ll only waive the eight week period if: • If the additional features of your cover summary the previous cover you’re replacing was show you have a cover payment period, we’ll for unemployment cover, and only pay a connected claim for the remainder of • it was held by you for at least 90 days this period if the person covered goes back to before you cancelled it. work before this period ends. We won’t be able to waive the eight week If we stop paying Unemployment Cover or period where your previous plan was Waiver of Premium (Unemployment), then cancelled by your previous insurer, or it was the person covered becomes unemployed solely for credit card protection. again within three months, we’ll pay for the If you need to make a claim during the eight remainder of the cover payment period. week period, we’ll ask you to give us: The remainder is the difference between • the policy documents for your previous your cover payment period and how long plan, or in months we paid your claim before the • person covered went back to work. For your permission in writing for us to example, if your cover payment period is 24 contact your previous insurer. We’ ll months and we’ve paid your claim for eight do this if you can’t give us your policy months, we’ll pay for another 16 months if documents, or if the documents don’t the person covered meets our definition of have the information we need. If you unemployed. don’t give us your written permission to speak with your previous insurer, we’ll be Claims for death and terminal illness unable to waive the eight week period. This applies if you have Life Cover or Life Connected claims or Critical Illness Cover. A connected claim happens if we start to pay a We’ ll pay a claim if the person covered claim, and the person covered then goes back dies or is diagnosed with a terminal illness to work but has to stop work again within the that meets our definition. You’ ll find the next three months. definition of terminal illness in section 5. We’ ll treat your further claim as connected as We won’t pay a claim for death if it’s the result long as: of intentional self-inflicted injury within 12 • the person covered meets our definition months of the cover starting or restarting. of unemployed.

Page 10 of 52 Claims for critical illness If the person covered meets a critical illness This applies if you have Critical Illness definition in section 5, we won’t accept a Cover or Life or Critical Illness Cover. claim under Additional Conditions Cover. We’ ll pay a claim if the person covered (or if Claims for Children’s Critical there are two people covered, either of them) Illness Cover is diagnosed with a critical illness or total This applies if you have Critical Illness permanent disability – if total permanent Cover or Life or Critical Illness Cover. disability is shown on your cover summary – that meets our definition. You’ ll find We’ ll pay a claim if a child of the person the definitions of critical illness and total covered (or if there are two people covered permanent disability in section 5. a child of either of them) meets a definition of a critical illness or total permanent disability. We’ ll pay out once and then the cover will stop. You’ ll find the definitions of critical illness and We won’t pay a claim under Critical Illness total permanent disability in section 5. Cover if the person covered dies within 14 If we pay this claim it won’t affect the days of meeting one of the critical illness or amount of the Critical Illness Cover or Life total permanent disability definitions. or Critical Illness Cover. Claims for Additional Conditions Cover We won’t pay if: • This applies if you have Critical Illness You were aware of an increased risk of the Cover or Life or Critical Illness Cover. child suffering the critical illness before We’ ll pay a claim for Additional the start date of the plan, or before the Conditions Cover if the person covered latest restart (for example if the parents is diagnosed with an additional condition had received counselling or medical advice that meets our definition. If we pay this in relation to the critical illness before the claim this won’t affect the amount of your plan started); • Critical Illness Cover or Life or Critical symptoms relating to the critical illness Illness Cover. You’ ll find the definition of had arisen before the start date of the plan additional conditions in section 5. or before the latest restart; • We’ ll pay out once for each additional the child was born before the cover started condition. If there is more than one person and had already suffered a children’s critical covered we’ll pay out once for each of them. illness unless: • treatment for the condition has been We won’t pay a claim for an Additional completed; and Conditions Cover if the person covered • dies within 14 days of meeting one of the the child has been discharged from additional conditions definitions. You’ ll follow-up for the condition; and find the additional conditions definitions in section 5.

Page 11 of 52 • • the child has not consulted any medical the pre-incapacity earnings of the person practitioner or received further treatment covered multiplied by 55% (the maximum or advice for the condition within the percentage of pre-incapacity earnings last 5 years; shown in the additional features of your • the child dies within 14 days of meeting the cover summary). critical illness definition or total permanent If cover is payable as increasing regular disability definition in section 5; payments • the child is over the age of 21 years when We’ ll pay 1/12th of the lower of: the claim event occurs; • • the child doesn’t meet the definition of the amount of cover shown on your cover critical illness or total permanent disability; summary or the amount we’ve written to or tell you following an increase, whichever is • greater, or it’s the result of intentional self-inflicted • injury defined in section 5. the pre-incapacity earnings of the person covered multiplied by 55% (the maximum Additional Conditions Cover is not included percentage of pre-incapacity earnings in Children’s Critical Illness Cover. shown in the additional features of your If your Critical Illness Cover or Life or cover summary). Critical Illness Cover is cancelled or comes This amount of cover will continue to increase to an end, Children’s Critical Illness Cover each year on the date the plan started. The will no longer apply. additional features in your cover summary will show whether your cover will increase How much we’ll pay by a fixed rate or by the retail price index. Your cover summary shows how much The cover will increase each year and will we’ll pay for a claim for each cover. All continue to increase yearly, as long as the regular payments are made in arrears. We maximum cover amount of £250,000 has not work out the amount of cover from the date been reached. If the maximum is reached, the claim becomes payable. We won’t take we won’t allow any more increases to the into account any change to the amount of cover amount. If you selected the maximum cover after this date. cover amount of £250,000 when your plan started, your plan will increase on the first Income Protection anniversary of the plan starting only. If cover is payable as level regular payments If 55% of the person covered’s pre-incapacity We’ ll pay 1/12th of the lower of: earnings is lower than the cover amount or • the amount it has increased to if you have the amount of cover shown on your cover increasing cover, we’ll pay the lower of: summary, or • 55% of the pre-incapacity earnings subject to a minimum of £1500; or

Page 12 of 52 • the amount shown on the cover summary In this formula, ‘normal cover’ means the or the amount it has increased to if you amount we’d pay if the person covered have increasing cover. continues to meet the definition of incapacitated and isn’t working. Where the If the person covered isn’t in work reduced earnings vary, the amount we’ll pay when you claim will also vary. We’ ll need evidence of the If the person covered isn’t in work when reduced earnings. you claim, we won’t pay more than £1500 We’ ll pay this reduced amount provided that each month. the person covered: If the person covered has other income • goes back to work for less than 30 hours a We’ ll reduce the amount we pay so that the week, and • total income you receive equals the lower of worked more than 30 hours a week before £1500 or the cover amount you’ve chosen if: their incapacity, and • • you have any other plan with us or with has earnings from part-time work which any other company which provides what are less than their earnings when they met we judge to be similar covers, or the definition of incapacitated. • the person covered continues to receive We’ ll continue to pay a reduced amount based earnings from any other form of on this formula until: employment or self-employment while • the person covered goes back to they meet the definition of incapacitated working their full contractual hours in section 5, and • (full-time work) the income from this plan together with • the earnings from their part-time work are the income from those other sources would more than their pre-incapacity earnings exceed 55% of pre-incapacity earnings. • the cover payment period ends – if one’s Similar covers include ones that, if the shown in the additional features on your person covered meets the definition of cover summary incapacitated, replace all or part of their • pre-incapacity earnings. the cover ends, or • the person covered dies. How much we’ll pay if the person covered goes back to their own How much we’ll pay if the person occupation part-time covered goes back to work in a different occupation If we’ve been paying a claim, and the person covered goes back to work in their own If the person covered meets the definition occupation part-time, with reduced earnings as of incapacitated but goes back to work in a direct result of their illness or injury, we’ll pay a different occupation with lower earnings, a reduced amount. Here’s how we work this out: we’ll pay a reduced amount. We work this out (pre-incapacity earnings – reduced earnings) x normal cover using the same formula and conditions as the pre-incapacity earnings ‘part-time’ section opposite. Page 13 of 52 • We’ ll keep paying this amount until: the person covered’s pre-unemployment • earnings multiplied by 55% (the maximum the person covered no longer meets the percentage of pre-unemployment earnings definition of incapacitated • shown in the additional features of your the person covered’s earnings from the cover summary). differentoccupation are more than their This amount of cover will continue to pre-incapacity earnings • increase each year on the date the plan the cover payment period ends – if one’s started. The additional features in your shown in the additional features of your cover summary will show whether your cover summary cover will increase by a fixed rate or by • the cover ends, or the retail price index. • the person covered dies. The cover will increase each year and will We work out the amount of cover on the continue to increase yearly, as long as the date the person covered met the definition of maximum cover amount of £36,000 has not incapacitated. We won’t take into account any been reached. If the maximum is reached, change to the amount of cover after this, apart we won’t allow any more increases to the from changes covered in the previous page. cover amount. If you selected the maximum cover amount of £36,000 when your plan Unemployment Cover started, your plan will increase on the first anniversary of the plan starting only. We’ ll pay the amount of cover shown on your cover summary, monthly in arrears. Life Cover, Critical Illness Cover and Life or Critical Illness Cover Cover is payable as level regular payments We’ ll pay 1/12th of the lower of: If cover is payable as a level lump sum or • level regular payments the amount of cover shown on your cover summary, or We’ ll pay the amount of cover shown • on your cover summary. For level regular the person covered’s pre-unemployment payments, we’ll pay this in equal monthly earnings multiplied by 55% (the maximum payments until your cover ends. percentage of pre-unemployment earnings shown in the additional features of your If cover is payable as an increasing lump cover summary). sum or increasing regular payments If cover is payable as increasing regular We’ ll pay: payments • the amount shown on your cover We’ ll pay 1/12th of the lower of: summary, or • • the amount of cover shown on your cover the amount we’ve written to tell you summary or the amount we’ve written to following an increase, if that’s greater. tell you following an increase, whichever is greater, or

Page 14 of 52 This amount of cover will continue to increase This decreasing lump sum will be equal each year on the date the plan started. The to the amount that would have been additional features in your cover summary outstanding on a capital and interest loan or will show whether your cover will increase by mortgage if this loan or mortgage: a fixed rate or by the retail price index. • was equal to the amount of cover when If cover is payable as a decreasing lump the cover started • sum, and the additional features show that had a term equal to the term of the cover the mortgage repayment guarantee applies • had a yearly interest rate equal to 6%, and • We’ ll pay a lump sum equal to the amount had equal monthly repayments made outstanding under the loan or mortgage at between the date the cover started and the date the claim becomes payable, less any the date the claim becomes payable arrears of capital and interest, if: As a result, the amount of cover will • you took out this cover in connection with decrease each month. The amount of cover a capital and interest loan or mortgage may not be enough to pay off the loan or • the term of the loan or mortgage is the mortgage if the interest rate of the loan or same as the term of the cover when the mortgage has changed. cover started If cover is payable as a decreasing lump • the amount of the loan or mortgage was sum, and the additional features in the the same as the amount of cover shown cover summary show that a mortgage on your cover summary when the cover interest rate applies started, and • We’ ll pay the amount that would have been you change the amount or term of the outstanding on a loan or mortgage if this loan or mortgage and you also change the loan or mortgage: amount of cover and/or the term of the • cover by the same amount. was equal to the amount of cover on the date cover started You’ ll be liable for any arrears, as they’re not • had a term equal to the term of the cover covered under this plan. • had a yearly interest rate equal to that If: shown in the additional features on the • any of the above don’t apply to you, or cover summary, and • • the loan or mortgage repayments have had equal monthly repayments made been suspended for a while, reduced between the date the cover started and or increased, other than because of an the date the claim becomes payable interest rate change, or As a result, the amount of cover will • you’ve repaid the loan or mortgage decrease each month. The amount of cover already when you claim may not be enough to pay off the loan or mortgage if the interest rate of the loan or we’ll pay you a decreasing lump sum. mortgage has changed. Page 15 of 52 Getting a lump sum instead of regular We’ ll pay Additional Conditions Cover payments as a lump sum. The additional conditions If your cover is payable as regular payments, definitions are in section 5. you or your personal representatives can ask us If your plan includes more than one main to pay a commuted value instead. A commuted cover, the limits above apply to the total value is the amount we'll pay you as a lump amount of all these covers. We’ ll make only sum straightaway instead of making regular one payment for each person covered for payments. We’ ll consider your request when each additional condition. The limits above you make a claim or while we’re paying a claim. apply to all plans you have with us that We’ ll work out the commuted value by first of include similar Additional Conditions Cover. all multiplying the regular monthly payment We’ ll work out the amount of cover as at by the number of months left until your cover the date the claim becomes payable. This ends. We’ ll then reduce this amount fairly means that if your main cover is payable and reasonably to reflect the fact that you’ll be as a decreasing lump sum, the amount getting all the regular payments early. If you of Additional Conditions Cover will be ask us to work out a commuted value, we’ll based on the amount your main cover has tell you how much this reduction would be. decreased to at the date the claim becomes The commuted value will be less than the total payable. Any change to the amount of cover amount of the regular payments. after this time won’t be taken into account. Additional Conditions Cover If we pay an Additional Conditions Cover claim, we won’t pay any further claim for You have this cover automatically if you that condition in respect of that person have either of these main covers: covered, but you may still make a claim in • Critical Illness Cover relation to that person covered for any of • Life or Critical Illness Cover the other additional conditions. We’ ll pay whichever of the following Children’s Critical Illness Cover amounts is lower: You have this cover automatically if you • if the main cover is payable as a lump have either of these main covers: sum, 25% of the amount of cover at the • Critical Illness Cover date we accept the Additional Conditions • Cover claim; or Life or Critical Illness Cover • if the main cover is payable as regular We’ ll pay the lower of: payments, 25% of the amount of cover at the • if the main cover is payable as a lump date we accept the Additional Conditions sum, 50% of the amount of cover at the Cover claim, multiplied by the remaining date we accept the Children’s Critical full years of the term of the cover; or • Illness Cover claim; or £25,000.

Page 16 of 52 • if the main cover is payable as regular of the cover. If there’s more than one person payments, 50% of the amount of cover at covered and both people covered meet our the date we accept the Children’s Critical definition of incapacitated at the same time, Illness Cover claim, multiplied by the we’ll only cover the premium once. remaining full years of the term of the cover; or We’ ll continue paying until: • • £25,000. the person covered no longer meets our definition of incapacitated; If your plan includes more than one main • cover, or you have more than one plan with the person covered goes back to work; • us covering the same person, and these main the cover ends; or • covers or plans provide similar Children’s the person covered dies. Critical Illness Cover, the limits on this page apply to all your main covers and plans. We may ask the person covered to be We’ ll make only one payment for any child. examined by a doctor or health specialist of our choice. We may ask for any other If your plan includes more than one main evidence we reasonably need to consider the cover for different people, or you have more claim, or to confirm that the person covered than one plan with us for different people, still meets the definition of incapacitated. and these provide similar Children’s Critical Illness Cover, the limits above apply to all Waiver of Premium (Unemployment) your main covers and plans. We’ ll make We’ ll pay your plan premiums for you if only one payment for any child in respect of the person covered meets our definition of each person covered. unemployed defined in section 5 during the We’ ll work out the amount of cover at the term of your cover. date we pay the claim. This means that if your main cover is payable as a decreasing We’ ll continuing paying until the person lump sum, we’ll base the amount of covered: • Children’s Critical Illness Cover on the no longer meets our definition of cover you have on the date we pay your unemployed; • claim. We won’t take into account any the cover ends; change to the amount of cover after this. • goes back to work; or • Waiver of Premium dies. Waiver of Premium (Sickness) We’ ll pay your plan premiums for you if the person covered meets our definition of incapacitated defined in section 5 for longer than the deferred period, during the term

Page 17 of 52 3. YOUR PREMIUMS

More about premium types and What to do if we cancel your plan frequency If we cancel your plan because you didn’t It’s really important that you keep up to date pay a premium, you can ask us to restart it. with paying your premiums. Otherwise, we Please get in touch and we’ll tell you what may have to cancel your plan. we need before we can restart your plan. However, there may be times when we can’t When your premiums are due restart your plan. If this happens, we’ll Your first premium is due on the date your explain our decision to you. plan starts. We’ ll collect it on this date or shortly after, by direct debit. When and how your premiums could change Your last premium is due on the date shown on your cover summary. Guaranteed premiums

If you’re paying monthly If your cover is level lump sum, decreasing You must pay a premium every month lump sum, or level regular payments from your first premium to your last. Your As long as you pay your premiums on time, premiums are usually due on the same day your premiums won’t change. This is true for of the month that your plan started. If you’d as long as your cover lasts. rather we collected your premiums on a different day of the month, please ask us. If your cover is increasing lump sum or increasing regular payments If you’re paying yearly Your premium will increase once a year, on You must pay a premium every year from the anniversary of your plan starting. The your first premium to your last. Your increase will be based on: premiums are usually due on the same day of • how much your cover is increasing by the year that your plan started. If you’d rather • we collected your premiums on a different the age of the person covered when the day in the same month, please ask us. increase starts • how long your cover has to go What happens if you don’t pay a premium • the premium rates we used when your If you don’t pay your first premium, your cover started • plan won’t start – so you won’t be covered. any additional premium you pay if we If any other premium is five weeks overdue, didn’t accept your plan on standard terms we’ll cancel your plan – so you won’t be We’ ll tell you how much the increase will be covered anymore. We’ ll write to you to tell at least a month before it takes place. you that we’ve cancelled your plan.

Page 18 of 52 Reviewable premiums Unemployment Cover and Waiver of Premium (Unemployment) Critical Illness Cover and Life or Critical Illness Cover The factors used to review your premiums are the same as explained opposite. Your If you choose this option, your premiums premium won’t change during the first will stay the same for five years. After this year. We’ ll then review premiums for time, we’ll review them every five years. Unemployment Cover and Waiver of They could go up or down after each Premium (Unemployment) every year review, depending on a number of factors. and your premium could go up or down When we first work out how much your depending on the factors set out opposite. premiums should be, we’ll look at different Your Unemployment Cover and Waiver of factors such as: Premium (Unemployment) premiums will • the future level of claims we expect to pay include insurance premium tax (IPT). The • UK government can change the rate of tax the amount of money we’ll pay to at any time. We’ ll change your premium to reinsurance companies with whom we take into account any change in this tax. share the costs of claims • the number of plan owners who give up If you have reviewable premiums, they their plans early could change significantly. Your new • premium will always be a fair reflection of all our expenses • the different factors we’ve looked at. There’s inflation no limit to what the change might be, so • investment returns it may be much more than your original • taxes premium. Of course, when we tell you how • the amount of money we need to hold as much your new premium will be, you’re financial reserves free to cancel or reduce your cover if you want to. You can ask us to do this using the When we review your premiums, we’ll contact details on page 4. look at these factors again. If their combined effect has been positive for us, we might be able to make your premiums cheaper. If not, your premiums may stay the same or increase. If we change your premiums, we’ll do this on the anniversary of your plan starting. We’ ll tell you at least a month in advance if this is going to happen.

Page 19 of 52 4. CHANGING YOUR PLAN

Increasing cover When working out your total amount of This only applies to any cover that’s payable cover we include: • as an increasing lump sum or increasing all cover you have in this plan and any regular payments. other plan you have with us • This amount of cover will continue to increase the current amount of any cover payable each year on the date the plan started. The as a decreasing lump sum • additional features in your cover summary the commuted value of any cover payable will show whether your cover will increase by as regular payments. a fixed rate or by the retail price index. How we calculate a commuted value is If the date cover started is not the same explained in section 2. day in the year as the date the plan started, the first increase will take place on the first Cover Increase Options anniversary of the date the plan started after Your plan comes with Cover Increase Options. this cover has been in force for 12 months. This means you can increase your cover in We’ ll write to you at least a month before certain circumstances, without giving us any the increase takes place to tell you how much medical information. the increase will be and how much your new payment will be. If you don’t want the amount How it works of your cover to increase, you must tell us at The following covers come with cover increase least five days before the increase is due to take options if we gave you standard terms: place and we’ll cancel the increase. If we cancel • two consecutive increases we won’t offer you Income Protection • any further increases. Unemployment Cover • If, as a result of an increase, the total amount Life Cover • of cover on all plans you have with us would Critical Illness Cover be more than the maximum amounts shown • below, your cover won’t increase. We’ ll tell Life or Critical Illness Cover you if this happens. You can increase your cover, without giving us Maximum amounts any medical information, if the person covered: • • Income Protection – £250,000 a year gets married or divorced, or enters into or • dissolves a civil partnership Unemployment Cover – £36,000 a year • • Critical Illness Cover – £3,000,000 increases their mortgage • • Life or Critical Illness Cover – has or adopts a child • £3,000,000 gets an increase in salary.

Page 20 of 52 All we need to see is some evidence of the And it will be on the terms and conditions event: the certificate for the marriage, civil we offer at the time of the increase. It must partnership, birth or adoption, or a copy of last at least as long as our minimum term your mortgage loan offer, or a letter from your at that time, but no longer than the time employer confirming an increase in salary. remaining on your original cover. So if the You need to ask us to increase your cover time remaining on your original cover is less within six months of the event happening. than our minimum term, you can’t increase And the person covered must be under your cover in this way. 55 at the time – if there are two people Your premiums will be based on: covered, both of them must be under 55. • the terms we applied to your original We’ ll work out a new premium for your plan – or, at the time of any restart cover, and you can decide whether you • want to go ahead with the increase. our pricing when we increase your cover • the person covered's age when we Limits on increasing your cover increase your cover You can increase your cover more than once. We can’t offer you Cover Increase Options if: The total you can increase your cover by is • we accepted your plan on non-standard the lowest of: terms – for instance, if we had to charge • half your original cover amount; you a higher premium, or if we had to • £200,000 for cover payable as a lump sum; or apply some exclusions • • £10,000 a year for cover payable as a we’re paying a claim, considering a claim, regular payments. or if a medical practitioner has given the person covered a diagnosis or possible If you have more than one type of cover or diagnosis that would allow you to claim more than one plan on the life of the same • person covered with us, the limits apply to If you claimed under our definition all of them added together – not separately to of incapacitated, you can’t use Cover each of them. Increase Options within 12 months of us stopping your payments Income Protection and Unemployment Cover • come with some extra limits, so that the total you’re not resident in the UK, Jersey, increase is no more than the lower of: Guernsey or Isle of Man • the maximum percentage of pre-incapacity You won’t be able to increase any of the covers earnings we originally agreed to cover if the person covered's already suffering from • our maximum cover amount for each of an illness or condition covered by the plan for these on page 20 which you have or have not yet submitted a claim. Your new cover will have the same additional features as your original cover.

Page 21 of 52 • Renewable option our pricing when you applied for your This option is only available if you have chosen original cover; and • • Life Cover the person covered’s age when the new • cover starts. Life or Critical Illness Cover • Critical Illness Cover Your new cover will have the same additional features as your original cover. and your cover summary shows that the term of And it will be on the terms and conditions these covers is renewable. You have an option we offer at that time. to choose a renew period of five or 10 years depending on the term you chose when your Joint Life Separation – splitting your covered started. plan

How it works You can use this option if you and your partner have taken out your plan on a joint- You’ ll still have an end date for your plan, but life basis to cover your mortgage and you and just before the end date we’ll ask you if you your partner are the people covered. You can want to renew your cover. We’ ll ask you to change your plan into two separate single life confirm that you want to renew your cover at plans if you separate and as a result: least a month before your original cover ends. • you rearrange your mortgage to be in the All you have to do is tell us at least five days name of you or your partner only; or before your cover ends that you want to use • this renewable option. The person covered either of you takes out a new mortgage on doesn't need to answer any medical questions. a new house. If you don’t tell us that you want to take out Your new single life plan new cover using the option then at the cover end date your original cover will end and you The covers in your new single life plan will won’t be able to claim after that date. be the same you had under your old plan. So, if you had Life or Critical Illness Cover, If the age of the person covered at the end of your new plan will have that too. the term would be more than the maximum we allow at that time, the new cover will have We’ ll base your new premium on: • a term equal to the whole number of years the terms we applied to your original plan between the cover end date and the date the – or, at the time of any restart person covered reaches the maximum age. If • our pricing at the time you took out your this term is less than our minimum term, you original cover can’t use this option and your cover will end • on the date shown on your cover summary. the person covered's age at the time you took out your original plan. Your premiums will be based on: • Your new plan will have: the terms we applied to your original plan • the terms we applied to your original plan – or, at the time of any restart – or, at the time of any restart

Page 22 of 52 • the same additional features, extra premiums We’ ll base your new premium on: or exclusions as your original plan, and • • the terms we applied to your original a cover amount that’s no greater than the cover – or, at the time of any restart amount you had when you asked us to • our pricing when you applied for your separate your plan. original cover, and • It must last at least as long as our minimum the person covered's current age term, but no longer than the time remaining on when you take up the option your original cover. So, if the time remaining on Your cover will have: your original cover is less than our minimum • term, we can’t separate your plan. the same terms and conditions we applied to your original cover Setting up your new plans • the same additional features, extra Both you and your partner must agree to premiums or exclusions as the original separate your plan in this way. We’ ll need cover, and • confirmation that your mortgage has been a cover amount that’s no greater than the rearranged – either written confirmation from cover you had when we paid the claim. the lender, or a copy of the new loan offer. Each of your plans must begin within six months of Your reinstated cover must last at least as rearranging your mortgage or taking a new one long as our minimum term, but no longer out, whichever you choose to do. than the time remaining on your original cover. So, if the time remaining on your Joint Life Reinstatement original cover is less than our minimum term, we can’t reinstate your cover. This only applies: • You can only reinstate your cover once. to a cover when more than one person is covered; and Lifestyle review • we’ve paid a claim for Life Cover, or If we accepted one of your covers on for Critical Illness Cover, or for Life or non-standard terms or charged smoker Critical Illness Cover (the original cover). rates, and the person covered changes their In this situation, you may take out a new cover lifestyle in a way that you think reduces which is the same type as the original cover. the likelihood of a claim, you can ask us to review the terms for that cover. For example, Reinstating your cover perhaps the person covered was a smoker This new cover will only be for the person when the plan started but has now given up. covered on the original cover who wasn’t the If we can, we’ll change the terms to reflect cause of the claim. They’ll have to agree to the person covered's new lifestyle. This may this new cover being taken out. mean we could reduce your premium or remove an exclusion. If we can’t change the terms, we’ll explain why.

Page 23 of 52 Any cover that was originally on non-standard terms won’t include Cover Increase Options, even if we later review your terms. We may need to ask for medical information.

Changing your plan in other ways You can ask us to change your plan in other ways not included in this section. For example, you might want to add a new cover or reduce an existing cover. You can ask us to do this at any time. We might need to ask the person covered for new medical information. We’ ll tell you what we need to look at when you tell us how you want to change your plan. You can’t add a new cover or increase an existing cover if you’re no longer resident in the UK, Jersey, Guernsey or Isle of Man. If you remove a cover you may not be able to add it back on at a later date if your circumstances have changed.

Page 24 of 52 5. CLAIMS DEFINITIONS

This section includes all the definitions Neurological deficit with persisting relating to claims. clinical symptoms For us to accept the person covered's Symptoms of dysfunction in the nervous diagnosis as evidence of a claim, it must be: system that are present on clinical examination. • Symptoms that are covered include: made by a consultant at a hospital within • the geographical limits shown in section 2 Numbness • • made by a specialist in an area of medicine Hyperaesthesia (increased sensitivity) • appropriate to the cause of the claim Paralysis • • the first and unequivocal diagnosis of the Localised weakness • critical illness; and Dysarthria (difficulty with speech) • • confirmed by our chief medical officer. Aphasia (inability to speak) • Dysphagia (difficulty in swallowing) In this section the words below have the • following meanings: Visual impairment • Difficulty in walking Appropriate medical specialist • Lack of coordination • For the purposes of this plan is a consultant Tremor employed at a hospital within geographical • limits shown in section 2 who is a specialist Seizures • in an area of medicine appropriate to the Dementia • cause of the claim. Delirium • Coma

The following are not covered: • an abnormality seen on brain or other scans without definite related clinical symptoms; • neurological signs occurring without symptomatic abnormality, e.g. brisk reflexes without other symptoms; • symptoms of psychological or psychiatric origin.

Page 25 of 52 Ordinary UK driving licence Carcinoma in situ of the cervix uteri – requiring trachelectomy (removal of A group 1 licence as defined in the The Motor the cervix) or hysterectomy Vehicles (Driving Licences) Regulations 1999 as amended by The Motor Vehicles (Driving Carcinoma in situ of the cervix uteri Licences) (Amendment) Regulations 2012, diagnosed with histological confirmation The Motor Vehicles (Driving Licences) by biopsy together with the undergoing of Regulations (Northern Ireland) 1996 and any trachelectomy or hysterectomy to remove future amendment to the legislation which the tumour. defines a group 1 licence. For the above definition, the following are Permanent not covered: • Expected to last throughout life with no loop excision, laser surgery, conisation prospect of improvement, irrespective of and cryosurgery. when the cover ends or the person covered Carcinoma in situ of the oesophagus – expects to retire. with surgery to remove the tumour Additional Conditions A diagnosis of carcinoma in situ of the oesophagus positively diagnosed with We’ ll pay if the person covered meets our histological confirmation by biopsy definition of one of the following Additional together with undergoing of surgery to Conditions. remove the tumour. Accident hospitalisation – requiring a For the above definition the following is not hospital stay for 28 consecutive days covered: • An accident that results in physical injury treatment other than surgery which requires the person covered to stay in hospital for 28 consecutive days or more on the Carcinoma in situ of the testicle – advice of an appropriate medical specialist. requiring orchidectomy For the above definition the following is A definite diagnosis of carcinoma in situ of not covered: the testicle (also known as intratubular germ • cell neoplasia unclassified or ITGCNU) an accident as a result of drug or alcohol supported by histological evidence, which has intake or other self-inflicted means. been treated surgically with an orchidectomy Carcinoma in situ of the breast – with (complete removal of the testicle). surgery to remove the tumour Carcinoma in situ of the urinary bladder Carcinoma in situ of the breast positively A definite diagnosis of carcinoma in diagnosed with histological confirmation situ of the urinary bladder supported by by biopsy together with the undergoing of histological evidence. surgery to remove the tumour.

Page 26 of 52 For the above definition, the following are Partial loss of sight – permanent and not covered: irreversible • non-invasive papillary carcinoma; Permanent and irreversible loss of sight and • visual field, to the extent that even when stage Ta urinary bladder carcinoma; • tested with the use of visual aids, the visual all other forms of non-invasive carcinoma. acuity is less than or equal to 0.25 (6/24) in the better eye using a Snellen eye chart and Low grade prostate cancer – of the visual field in the better eye upon testing specified severity is reduced to 40 degrees or less of an arc, as Tumours of the prostate histologically certified by an ophthalmologist. classified as having a Gleason score between 2 and 6 inclusive, provided the tumour Third degree burns – covering at least has progressed to at least clinical TNM 10% but less than 20% of the body’s classification T1N0M0, and the tumour has surface area or at least 25% but less been treated by one of the following: than 50% of surface area of the face • complete removal of the prostate; Burns that involve damage or destruction • of the skin to its full depth through to the external beam or interstitial implant underlying tissue and covering at least 10% radiotherapy; • and less than 20% of the body’s surface area, or hormone therapy; or at least 25% and less than 50% of the surface • brachytherapy/radiotherapy. area of the face which for the purpose of this definition includes the forehead and ears. For the above definition, the following is not covered: Critical Illness definitions • prostate cancers where the treatment is We’ ll pay if the person covered meets our not one of the specified treatments listed definition of one of the following critical above, or requires observation only. illnesses. Ovarian tumour of borderline Alzheimer’s disease – resulting in malignancy/low malignant potential – permanent symptoms with surgical removal of an ovary A definite diagnosis of Alzheimer’s disease An ovarian tumour of borderline by a consultant neurologist, psychiatrist or malignancy/low malignant potential that has geriatrician. There must be permanent clinical been positively diagnosed with histological loss of the ability to do all of the following: • confirmation and has resulted in surgical remember; removal of an ovary. • reason; and • For the above definition, the following is perceive, understand, express and give not covered: effect to ideas. • removal of an ovary due to cyst.

Page 27 of 52 For the above definition, the following are For the above definition, the following is not not covered: covered: • • other types of dementia. all other forms of meningitis other than Aorta graft surgery – for disease or those caused by bacterial infection traumatic injury Benign brain tumour – resulting in The undergoing of surgery for disease permanent symptoms or trauma to the aorta with excision and A non-malignant tumour or cyst originating surgical replacement of a portion of the from the brain, cranial nerves or meninges diseased or damaged aorta with a graft. within the skull, resulting in any of the The term aorta includes the thoracic and following: abdominal aorta but not its branches. • permanent neurological deficit with For the above definition, the following is persisting clinical symptoms; or not covered: • • undergoing invasive surgery to remove all any other surgical procedure, for example the or part of the tumour; or insertion of stents or endovascular repair. • undergoing either stereotactic Aplastic anaemia – permanent radiosurgery or chemotherapy treatment to destroy tumour cells. A definite diagnosis by a consultant For the above definition, the following are haematologist of permanent bone marrow not covered: failure which results in anaemia, neutropenia • and thrombocytopenia requiring treatment tumours in the pituitary gland; • with at least one of the following: tumours originating from bone tissue; and • • blood transfusion; angioma and cholesteatoma. • marrow stimulating agents; Blindness – permanent and • immunosuppressive agents; irreversible • bone marrow transplant. Permanent and irreversible loss of sight to the For the above definition, the following is extent that even when tested with the use of not covered: visual aids, vision is measured at 6/60 or worse • other forms of anaemia. in the better eye using a Snellen eye chart, or visual field is reduced to 20 degrees or less of Bacterial meningitis – resulting in an arc, as certified by an ophthalmologist. permanent symptoms Cancer – excluding less advanced cases A definite diagnosis of bacterial meningitis by a consultant neurologist resulting Any malignant tumour positively diagnosed in permanent neurological deficit with with histological confirmation and persisting clinical symptoms. characterised by the uncontrolled growth of malignant cells and invasion of tissue. Page 28 of 52 The term malignant tumour includes: The following are not covered: • • leukaemia; insertion of a pacemaker; and • • sarcoma;and insertion of a defibrillator without cardiac • lymphoma (except cutaneous lymphoma arrest. – lymphoma confined to the skin). Cardiomyopathy – of specified severity For the above definition the following are A definite diagnosis by a consultant cardiologist not covered: of cardiomyopathy resulting in permanent • all cancers which are histologically loss of the ability to perform physical activities classified as any of the following: to at least Class III of the New York Heart • Association (NYHA) classification. This means pre-malignant; there is marked limitation of activities, with • non-invasive; less than ordinary activity causing fatigue, • palpitations or shortness of breath. cancer in situ; • having borderline malignancy; or The diagnosis must also be evidenced by: • • having low malignant potential; electrocardiographic changes; and • • echocardiographic abnormalities. malignant melanoma that is confined to the epidermis (outer layer of skin). The evidence must be consistent with the • diagnosis of cardiomyopathy. any non-melanoma skin cancer (including cutaneous lymphoma) that has not spread For the above definition, the following are to lymph nodes or metastasised to distant not covered: • organs. all other forms of heart disease and/or • all tumours of the prostate unless heart enlargement; • histologically classified as having a Gleason myocarditis; and score of 7 or above, or having progressed to • at least TNM classification T2bN0M0. cardiomyopathy related to alcohol or drug abuse. Cardiac arrest – with insertion of a defibrillator Chronic lung disease – of specified severity Sudden loss of heart function with interruption of blood flow around the body Confirmation by a consultant physician of resulting in unconsciousness and either of the chronic lung disease resulting in all of the following devices being surgically inserted: following: • • Implantable Cardioverter-Defibrillator the need for continuous daily oxygen therapy on a permanent basis (ICD); or • • FEV1 being less than 40% of normal, and Cardiac Resynchronisation Therapy with • Defibrillator (CRT-D). Vital Capacity less than 50% of normal.

Page 29 of 52 Coma – with associated permanent For the above definition, the following are symptoms not covered: • A state of unconsciousness with no reaction other types of dementia (these are covered to external stimuli or internal needs with under the dementia definition). associated permanent neurological deficit with persisting clinical symptoms. Deafness – permanent and irreversible For the above definition, the following are Permanent and irreversible loss of hearing not covered: to the extent that the loss is greater than 95 • decibels across all frequencies in the better medically induced coma; and • ear using a pure tone audiogram. coma secondary to alcohol or drug abuse. Dementia – resulting in permanent Coronary artery bypass grafts symptoms The undergoing of surgery on the advice of a A definite diagnosis of dementia by a consultant cardiologist to correct narrowing consultant neurologist, psychiatrist or or blockage of one or more coronary arteries geriatrician. There must be permanent clinical with bypass grafts. loss of the ability to do all of the following: For the above definition, the following are • remember; not covered: • • reason; and balloon angioplasty; • • atherectomy; perceive, understand, express and give • effect to ideas. rotablation; • insertion of stents; and Encephalitis – resulting in permanent • symptoms laser treatment. A definite diagnosis of encephalitis by Creutzfeldt-Jakob disease (CJD) – a consultant neurologist resulting in resulting in permanent symptoms permanent neurological deficit with A definite diagnosis of Creutzfeldt-Jakob persisting clinical symptoms. disease by a consultant neurologist. There For the above definition the following are must be permanent clinical loss of the ability not covered: • to do all of the following: myalgic encephalomyelitis and chronic • remember; fatigue syndrome. • reason; and Heart attack – of specified severity • perceive, understand, express and give Death of heart muscle, due to inadequate blood effect to ideas. supply, that has resulted in all of the following evidence of acute myocardial infarction:

Page 30 of 52 • the characteristic rise of cardiac enzymes performing normal duties of employment, or Troponins; and the incident must be supported by a • new characteristic electrocardiographic negative HIV antibody test taken within changes or other positive findings on 5 days of the incident; • diagnostic imaging tests. there must be a further HIV test within 12 months confirming the presence of The evidence must show a definite acute HIV or antibodies to the virus; myocardial infarction. • the incident causing infection must have For the above definition, the following are occurred in one of the countries listed on not covered: page 6. • other acute coronary syndromes; and • For the above definition, the following is not angina without myocardial infarction. covered: • Heart valve replacement or repair HIV infection resulting from any other means, including sexual activity or The undergoing of surgery on the advice of drug abuse. a consultant cardiologist to replace or repair one or more heart valves. Intensive care – requiring mechanical ventilation for 10 consecutive days HIV infection – caught from a blood transfusion, a physical assault or at work Any sickness or injury resulting in the person covered requiring continuous mechanical Infection by Human Immunodeficiency ventilation by means of tracheal intubation for Virus resulting from: 10 consecutive days (24 hours per day) or more • a blood transfusion given as part of in an intensive care unit in a UK hospital. medical treatment; For the above definition the following • a physical assault; or are not covered: • • an incident occurring during the course of sickness or injury as a result of drug or performing normal duties of employment; alcohol intake or other self-inflicted means; • after the start of the plan and satisfying all of intensive care requiring mechanical the following: ventilation for a child under the age • of 90 days. the incident must have been reported to appropriate authorities and have been Kidney failure – requiring investigated in accordance with the permanent dialysis established procedures; • Chronic and end stage failure of both where HIV infection is caught through kidneys to function, as a result of which a physical assault or as a result of an regular dialysis is permanently required. incident occurring during the course of

Page 31 of 52 • Liver failure – irreversible Feeding yourself – the ability to feed A definite diagnosis, by a consultant physician, yourself when food has been prepared and of irreversible end stage liver failure due to made available. • cirrhosis resulting in all of the following: Maintaining personal hygiene – the • ability to maintain a satisfactory level of permanent jaundice; • personal hygiene by using the toilet or ascites; and otherwise managing bowel and bladder • encephalopathy. function. • For the above definition, the following Getting between rooms – the ability to is not covered: get from room to room on a level floor. • • liver failure secondary to alcohol Getting in and out of bed – the ability or drug abuse. to get out of bed into an upright chair or wheelchair and back again. Loss of hand or foot – permanent Loss of speech – permanent physical severance and irreversible Permanent physical severance of a hand or Total permanent and irreversible loss of foot at or above the wrist or ankle joint. the ability to speak as a result of physical injury or disease. Loss of independent existence – resulting in permanent symptoms Major organ transplant – from another Any condition that: donor a) permanently prevents the person covered The undergoing as a recipient of a transplant from doing at least 3 out of the 6 living tasks from another donor of bone marrow or either with or without the use of mechanical of a complete heart, kidney, liver, lung, or equipment, special devices or other aids and pancreas, or a whole lobe of the lung or liver, adaptations in use for disabled persons; or or inclusion on an official UK waiting list for such a procedure. b) causes mental failure. For the above definition, the following is not The six living tasks are: covered: • • Washing – the ability to wash in the transplant of any other organs, parts of bath or shower (including getting into organs, tissues or cells. and out of the bath or shower) or wash satisfactorily by other means. Motor neurone disease – resulting in • The ability to dress and undress – the ability permanent symptoms to put on, take off, secure and unfasten all A definite diagnosis of one of the following garments and, if needed, any braces, artificial motor neurone diseases by a consultant limbs or other surgical appliances. neurologist:

Page 32 of 52 • Amyotrophic lateral sclerosis (ALS) Open heart surgery – with surgery to • divide the breastbone Primary lateral sclerosis (PLS) • Progressive bulbar palsy (PBP) The undergoing of surgery requiring • median sternotomy (surgery to divide the Progressive muscular atrophy (PMA) breastbone) on the advice of a consultant There must also be permanent clinical cardiologist to correct any structural impairment of motor function. abnormality of the heart.

Multiple sclerosis – with past or Paralysis of limbs – total present symptoms and irreversible A definite diagnosis of multiple sclerosis by a Total and irreversible loss of muscle function consultant neurologist. There must be clinical to the whole of a limb. impairment of motor or sensory function, or a diagnosis of multiple sclerosis supported Parkinson’s disease – resulting in by findings of clinical objective evidence on permanent symptoms Magnetic Resonance Imaging (MRI). A definite diagnosis of Parkinson’s disease Multiple system atrophy – resulting in by a consultant neurologist. permanent symptoms There must be permanent clinical A definite diagnosis of multiple system impairment of motor function with either atrophy confirmed by a consultant associated tremor or muscle rigidity. neurologist. There must be evidence of For the above definition, the following disease progression and permanent clinical are not covered: impairment of: • • Parkinsonian syndromes/Parkinsonism. motor function with associated rigidity of movement, or Pneumonectomy – removal of • a complete lung the ability to coordinate muscle movement, or The undergoing of surgery on the advice of • bladder control and postural hypotension. an appropriate medical specialist to remove an entire lung for disease or traumatic injury Neuromyelitis optica (Devic’s disease) suffered by the person covered. A definite diagnosis of neuromyelitis optica For the above definition the following by a consultant neurologist. There must be are not covered: current clinical impairment of motor or • sensory function, which must have persisted removal of a lobe of the lungs (lobectomy); • for a continuous period of at least 3 months. lung resection or incision.

Page 33 of 52 Primary pulmonary hypertension – Stroke – of specified severity of specified severity Death of brain tissue due to inadequate A definite diagnosis of primary pulmonary blood supply or haemorrhage within the hypertension by a consultant cardiologist or skull resulting in all of the following: specialist in respiratory medicine. There must • definite evidence of death of tissue or be clinical impairment of heart function haemorrhage on a brain scan; and resulting in the permanent loss of ability to • neurological deficit with persisting perform physical activities to at least Class clinical symptoms lasting at least 24 III of the New York Heart Association hours. classification of functional capacity. For the above definition, the following For the above definition, the following are not covered: is not covered: • • transient ischaemic attack pulmonary hypertension secondary to any • death of tissue of the optic nerve or other cause i.e. not primary. retina/eye stroke. Progressive supranuclear palsy – Systemic lupus erythematosus – with resulting in permanent symptoms severe complications A definite diagnosis by a consultant A definite diagnosis of systemic lupus neurologist of progressive supranuclear erythematosus by a consultant rheumatologist palsy. There must be permanent clinical resulting in either of the following: impairment of motor function. • permanent neurological deficit with Pulmonary artery graft surgery – with persisting clinical symptoms; or • surgery to divide the breastbone permanent impairment of kidney The undergoing of surgery requiring function with a glomerular filtration rate median sternotomy (surgery to divide the (GFR) below 30ml/min. breastbone) on the advice of a consultant Third degree burns – covering 20% of cardiologist for disease of the pulmonary the body’s surface area or 50% loss of artery to excise and replace the diseased surface area of the face pulmonary artery with a graft. Burns that involve damage or destruction Spinal stroke – of specified severity of the skin to its full depth through to the Death of spinal cord tissue due to inadequate underlying tissue and covering at least blood supply or haemorrhage within the spinal 20% of the body’s surface area or 50% loss column resulting in permanent neurological of surface area of the face which for the deficit with persisting clinical symptoms. purpose of this definition includes the forehead and ears.

Page 34 of 52 Total permanent disability – of 2. Total permanent disability – unable specified severity before age 65 to do 3 specified working tasks ever again The additional features section of your cover summary shows which definition applies to The appropriate medical specialist must your total and permanent disability cover. reasonably expect that the disability will last throughout life with no prospect of Own occupation total permanent improvement, irrespective of when the cover disability ends or the person covered expects to retire. Becoming permanently disabled according The person covered must need the help or to all of the requirements of one of the supervision of another person and be unable to following four definitions: perform the task on their own, even with the 1. Total permanent disability – unable use of special equipment routinely available before age 65 to do your own to help and having taken any appropriate occupation ever again prescribed medication. Loss of the physical or mental ability through Loss of the physical ability through an illness an illness or injury before age 65 to the extent or injury before age 65 to do at least 3 of the 6 that person covered is unable to do the working tasks listed below ever again. essential duties of their own occupation ever • Walking – the ability to walk more than again. The essential duties are those that are 200 metres on a level surface normally required for, and/or form a significant • and integral part of, the performance of the Climbing – the ability to climb up a person covered’s own occupation that cannot flight of 12 stairs and down again, using reasonably be omitted or modified. the handrail if needed • Lifting – the ability to pick up an object Own occupation means the trade, profession or weighing 2kg at table height and hold for type of work the person covered does for profit 60 seconds before replacing the object on or pay. It is not a specific job with any particular the table employer and is irrespective of location and • availability. Bending – the ability to bend or kneel to touch the floor and straighten up again The appropriate medical specialist must • Getting in and out of a car – the ability to reasonably expect that the disability will get into a standard saloon car, and out again last throughout life with no prospect of • improvement, irrespective of when the cover Writing – the manual dexterity to write ends or the person covered expects to retire. legibly using a pen or pencil, or type using a desktop personal computer keyboard. For the above definition, disabilities for which the appropriate medical specialist cannot give a clear prognosis are not covered.

Page 35 of 52 3. Total permanent disability – unable 4. Total permanent disability – mental to look after yourself ever again incapacity The appropriate medical specialist must Irreversible mental incapacity due to an reasonably expect that the disability will organic brain disease or brain injury supported last throughout life with no prospect of by evidence of progressive loss of ability to: improvement, irrespective of when the cover • remember; ends or the person covered expects to retire. • reason; and The person covered must need the help or • supervision of another person and be unable to perceive, understand, express and give perform the task on their own, even with the effect to ideas; use of special equipment routinely available which causes a significant reduction in to help and having taken any appropriate mental and social functioning, requiring the prescribed medication. continuous supervision of the person covered. Loss of the physical ability through an illness Working tasks total permanent or injury to do at least 3 of the 6 living tasks disability listed below ever again. • Washing – the ability to wash in the Becoming permanently disabled according bath or shower (including getting into to all of the requirements of one of the and out of the bath or shower) or wash following three definitions: satisfactorily by other means. • 1. Total permanent disability – unable The ability to dress and undress – the before age 65 to do 3 specified ability to put on, take off, secure and working tasks ever again unfasten all garments and, if needed, any braces, artificial limbs or other The appropriate medical specialist must surgical appliances. reasonably expect that the disability will • Feeding yourself – the ability to feed last throughout life with no prospect of yourself when food has been prepared and improvement, irrespective of when the cover made available. ends or the person covered expects to retire. • Maintaining personal hygiene – the ability The person covered must need the help to maintain a satisfactory level of personal or supervision of another person and be hygiene by using the toilet or otherwise unable to perform the task on their own, managing bowel and bladder function. even with the use of special equipment • Getting between rooms – the ability to routinely available to help and having taken get from room to room on a level floor. any appropriate prescribed medication. • Getting in and out of bed – the ability Loss of the physical ability through an illness to get out of bed into an upright chair or or injury before age 65 to do at least 3 of the 6 wheelchair and back again. working tasks listed below ever again.

Page 36 of 52 • • Walking – the ability to walk more than The ability to dress and undress – the 200 metres on a level surface ability to put on, take off, secure and • Climbing – the ability to climb up a unfasten all garments and, if needed, flight of 12 stairs and down again, using any braces, artificial limbs or other the handrail if needed surgical appliances. • • Lifting – the ability to pick up an object Feeding yourself – the ability to feed weighing 2kg at table height and hold for yourself when food has been prepared and 60 seconds before replacing the object on made available. • the table Maintaining personal hygiene – the ability • Bending – the ability to bend or kneel to to maintain a satisfactory level of personal touch the floor and straighten up again hygiene by using the toilet or otherwise • managing bowel and bladder function. Getting in and out of a car – the ability to • get into a standard saloon car, and out again Getting between rooms – the ability to • get from room to room on a level floor. Writing – the manual dexterity to write • legibly using a pen or pencil, or type using Getting in and out of bed – the ability a desktop personal computer keyboard. to get out of bed into an upright chair or wheelchair and back again. 2. Total permanent disability – unable to look after yourself ever again 3. Total permanent disability – mental incapacity The appropriate medical specialist must reasonably expect that the disability will Irreversible mental incapacity due to an last throughout life with no prospect of organic brain disease or brain injury supported improvement, irrespective of when the cover by evidence of progressive loss of ability to: • ends or the person covered expects to retire. remember; • The person covered must need the help or reason; and • supervision of another person and be unable to perceive, understand, express and give perform the task on their own, even with the effect to ideas; use of special equipment routinely available which causes a significant reduction in to help and having taken any appropriate mental and social functioning, requiring the prescribed medication. continuous supervision of the person covered. Loss of the physical ability through an illness Living tasks total permanent disability or injury to do at least 3 of the 6 living tasks listed below ever again. Becoming permanently disabled according • Washing – the ability to wash in the to all of the requirements of either of the bath or shower (including getting into following definitions: and out of the bath or shower) or wash satisfactorily by other means.

Page 37 of 52 1. Total permanent disability – unable 2. Total permanent disability – to look after yourself ever again mental incapacity Loss of the physical ability through an illness Irreversible mental incapacity due to an or injury to do at least 3 of the 6 living tasks organic brain disease or brain injury supported listed below ever again. by evidence of progressive loss of ability to: • The appropriate medical specialist must remember; • reasonably expect that the disability will reason; and last throughout life with no prospect of • perceive, understand, express and give improvement, irrespective of when the cover effect to ideas; ends or the person covered expects to retire. which causes a significant reduction in The person covered must need the help or mental and social functioning, requiring the supervision of another person and be unable to continuous supervision of the person covered. perform the task on their own, even with the use of special equipment routinely available Total permanent disability for to help and having taken any appropriate Children’s Critical Illness Cover prescribed medication. We’ ll pay if the child is diagnosed as suffering • Washing – the ability to wash in the total permanent disability. bath or shower (including getting into All diagnoses must: • and out of the bath or shower) or wash be made by a consultant employed at a satisfactorily by other means. hospital within the geographical limits • The ability to dress and undress – the shown in section 2 who is a specialist in ability to put on, take off, secure and an area of medicine appropriate to the unfasten all garments and, if needed, any cause of the claim; • braces, artificial limbs or other surgical be the first and unequivocal diagnosis of appliances. • total permanent disability; and Feeding yourself – the ability to feed • be confirmed by our chief medical officer. yourself when food has been prepared and made available. Total permanent disability means the child • becoming permanently disabled through Maintaining personal hygiene – the ability illness or injury to the extent that for a period to maintain a satisfactory level of personal of 12 consecutive months the child has hygiene by using the toilet or otherwise been confined to their home, a hospital or managing bowel and bladder function. • similar institution and has required medically Getting between rooms – the ability to supervised constant care and attention. get from room to room on a level floor. • The disability must be expected to last Getting in and out of bed – the ability throughout the child’s life without prospect to get out of bed into an upright chair or of improvement. wheelchair and back again.

Page 38 of 52 • Traumatic brain injury – resulting in Cancer – undergoing chemotherapy permanent symptoms or radiotherapy in hospital or having Death of brain tissue due to traumatic injury received one of those treatments in resulting in permanent neurological deficit hospital within the last 3 months. • with persisting clinical symptoms. Complete dependency – being totally Incapacitated incapable of caring for oneself, requiring 24 hour medical supervision in a hospital We’ ll pay if the person covered meets one or nursing home. • of our four definitions of incapacitated. Deafness – permanent and irreversible 1. Own Occupation Definition loss of hearing to the extent that the loss is greater than 95 decibels across all Loss of the physical or mental ability, before frequencies in the better ear using a pure age 70, through an illness or injury to the tone audiogram. extent that the person covered is unable to • Dialysis – undergoing dialysis in hospital do the material and substantial duties of their or having received the treatment in own occupation. The material and substantial hospital within the last 3 months. duties are those that are normally required for, • and/or form a significant and integral part of, Organic brain disease – an organic brain the performance of their own occupation that disease or brain injury which: • can’t reasonably be omitted or modified. affects the ability to reason and Own occupation means the trade, profession understand; and • or type of work they do for profit or pay. It isn’t the condition has deteriorated to the a specific job with any particular employer and extent that continual supervision and the is irrespective of location and availability. assistance of another person is required. • If the person covered isn’t in full-time paid Terminal illness – a definite diagnosis by occupation immediately before the start the attending consultant of an illness that of the period of incapacity, we’ll assess the satisfies both of the following: • claim based on the serious illness definition. The illness either has no known cure or has progressed to the point where it 2. Serious Illness Definitions cannot be cured; and • If the person covered meets any of the In the opinion of the attending following definitions we'll continue to pay the consultant, the illness is expected to cover if they're unable, before age 70, to work lead to death within 12 months. in their own occupation in any capacity. If the person covered isn’t in full-time paid • Blindness – permanent and irreversible occupation and doesn't meet any of the serious loss of sight to the extent that even when illness definitions immediately before the start tested with the use of visual aids, vision is of the period of incapacity, we’ll assess the claim measured at 3/60 or worse in the better based on the everyday tasks definition. eye using a Snellen eye chart.

Page 39 of 52 • 3. Everyday Tasks Definition Writing – the manual dexterity to write If the person covered is unable to do 3 of legibly using a pen or pencil, or type using the following 9 tasks, we'll pay the cover a desk top personal computer keyboard. whilst they're unable, before age 70, to work If the person covered is age 70 or over at the in their own occupation in any capacity. start of a period of incapacity the living tasks Loss of the physical ability through an definition will apply. If the person covered illness or injury to do at least 3 of the 9 reaches age 70 while a cover is being paid, everyday tasks listed below. we'll reassess the claim at the time based on the living tasks definition. This might mean The person covered must need the help or we stop paying the cover. supervision of another person and be unable to perform the task on their own, even 4. Living Tasks Definition (Waiver of with the use of special equipment routinely Premium (Sickness) only) available to help and having taken any If the person covered is unable to do 3 of the appropriate prescribed medication. following 6 living tasks we'll pay the cover. The everyday tasks are: Any illness or injury which prevents the • Sitting – sit in a chair for at least 30 person covered from doing at least 3 out of minutes without unreasonable discomfort. the 6 living tasks either with or without the • use of mechanical equipment, special devices Standing – stand and perform light tasks or other aids and adaptations in use for such as making a cup of tea, using one hand disabled persons. for support, for a period of at least 5 minutes. • Walking – the ability to walk more than The six living tasks are: • 200 metres on a level surface. Washing – the ability to wash in the • Climbing – the ability to climb up a bath or shower (including getting into flight of 12 stairs and down again, using and out of the bath or shower) or wash the handrail if needed. satisfactorily by other means. • • Lifting – the ability to pick up an object Getting dressed and undressed – the weighing 2kg at table height and hold for ability to put on, take off, secure and 60 seconds before replacing the object on unfasten all garments and, if needed, the table. any braces, artificial limbs or other • Bending – the ability to bend or kneel to surgical appliances. • touch the floor and straighten up again. Feeding yourself – the ability to feed • Getting in and out of a car – the ability to yourself when food has been prepared and get into a standard saloon car, and out again. made available. • • Maintaining an ordinary UK driving Maintaining personal hygiene – the ability licence – reasonable medical opinion to maintain a satisfactory level of personal prevents the person covered obtaining an hygiene by using the toilet or otherwise ordinary UK driving licence. managing bowel and bladder function.

Page 40 of 52 • • Getting between rooms – the ability to the person covered’s participation in get from room to room on a level floor. industrial action; • • Getting in and out of bed – the ability any other circumstances that result in to get out of bed into an upright chair or the person covered’s employer taking wheelchair and back again. disciplinary action against him; or 2. the person covered’s fixed term Terminal Illness employment contract has either not been We’ ll pay if the person covered meets our renewed or has been terminated, provided definition of terminal illness. that unemployment will only be deemed to have occurred under a fixed term Terminal illness – where death is expected contract other than at its natural expiry if: within 12 months. • it has been renewed at least once during the A definite diagnosis by the attending consultant term of the plan with the same employer of an illness that satisfies both of the following: provided there is no period between the • the illness either has no known cure contracts when the person covered has not or has progressed to the point where it been employed and the person covered has cannot be cured; and been in employment for a total unbroken • in the opinion of the attending consultant period of 12 months or more; • the illness is expected to lead to death it has been renewed at least twice during the within 12 months term of the plan with the same employer provided there is no period between the Unemployed contracts when the person covered was not employed and the person covered has been We’ ll pay if the person covered meets our in employment for a total unbroken period definition of unemployed of six months or more; or Unemployed or unemployment means: 3. the person covered’s fixed term contract, 1. the person covered has been made which has not been renewed at least once redundant, left work to become a full- during the term of the plan, is terminated time carer for a relative or dismissed during the term of the contract. In this from his employment, other than where case, unemployment will be deemed to the redundancy was voluntary or the cease not later than the original expiry date dismissal was due to any of the following: of the fixed term contract; or • misconduct, including fraud or dishonesty; 4. the person covered was self-employed, • has ceased to trade and his business is breach of contract; • being, or has been, wound up or put the failure of the person covered to meet in the hands of a liquidator due to the the standards or targets laid down by his financial inability of the business to employer; continue trading; or

Page 41 of 52 5. the person covered was a partner in a 7. the person covered is actively seeking partnership which has been dissolved alternative employment appropriate to his due to the financial inability of the education and training; and partnership to continue trading, other 8. the person covered is not doing any work than where the person covered has only for payment or reward, is available for work stopped trading temporarily; and and is in receipt of appropriate National 6. the person covered is registered with Insurance Credits or equivalent benefit. the Department for Education and Employment (the Employment Service or Social Security Agency in Northern Ireland, the Channel Islands and The Isle of Man) or appropriate Government office in the UK, the Channel Islands or The Isle of Man, and is in receipt of any appropriate benefits; and

Page 42 of 52 6. GENERAL TERMS AND CONDITIONS

Source of covers You can check the authorisations of UK This plan is issued out of our Ordinary General Insurance Limited, and Royal London Long-Term Business Fund but is not eligible Marketing Limited at fca.org.uk/register or by to participate in the profits of that fund or calling the FCA on 0800 111 6768. any other funds. We reserve the right to withdraw Unemployment Cover and Waiver of Unemployment Cover and Waiver of Premium (Unemployment) will be provided Premium (Unemployment) or alter their by UK General Insurance Limited on behalf terms if Surestone Insurance dac is unable of Surestone Insurance dac. to continue to provide this cover on the current terms. If this happens we’ll try UK General Insurance Limited is authorised to find an alternative provider, but if we and regulated by the Financial Conduct can’t, the cover will be cancelled or altered Authority. The firm is on the Financial from the next anniversary of the date cover Services Register, with registration number started. We’ ll give you 30 days written 310101. It is registered in England and Wales notice of any change of insurance provider with company number 04506493 and has and we’ll tell you at least 90 days before we its registered office at Cast House, Old Mill cancel the cover or alter its terms. Business Park, Gibraltar Island Road, Leeds, LS10 1RJ. Surestone Insurance dac is an Membership of Royal London insurance company established in Ireland, This plan doesn’t entitle you to membership with registration number E340407 and has of Royal London. its registered office at Alexandra House, The Sweepstakes, Ballsbridge, Dublin 4, Ireland. Cancelling your plan Royal London Marketing Limited will make When your plan starts you have the right to this insurance available as a cover under the change your mind and cancel your plan. You plan on behalf of UK General Insurance have 30 days from the date you receive your Limited and Surestone Insurance dac. cover summary and plan details to cancel Royal London Marketing Limited is authorised your plan. If you cancel in this time we’ll and regulated by the Financial Conduct refund any payments you’ve made to us. Authority. The firm is on the Financial Services You can cancel your plan by writing to us. Register, with registration number 302391. It is Our address is on page 4 of this booklet. registered in England and Wales with company number 4414137 and has its registered office is You should also contact your bank to cancel at 55 Gracechurch Street, London, EC3V 0RL. your direct debit instruction. Royal London Marketing Limited is part of the Royal London Group.

Page 43 of 52 If your plan is jointly owned, both owners Cash-in value must give us written notice. If your plan Your plan doesn’t have any cash-in value at is under trust, or if you’ve assigned your any time. So if you cancel it you don’t get legal rights under the plan to someone anything back. else, the trustees or assignee must give us written notice. Paying claims If you cancel your plan after 30 days, it will We’ ll pay all claims by direct credit to a bank end on the day your next premium would be account or another method we agree with you. due. You’ ll still be covered by your plan until that date. So, if you’ve asked us to collect Interest your premium on a different date to the We’ ll pay interest if payment of any claim is one on which it’s due, we’ll still collect that delayed by more than two calendar months premium from you. We won’t refund any after the claim event. The rate of interest will premiums you’ve paid to us. be the Bank of England base rate less 0.5% a For example, if: year, with an overall minimum of 0.5% a year, • calculated on a daily basis. your plan started on 1 February, • you ask us to collect your premiums on Exercise of discretion the 15th day of each month, and We’ ll act reasonably and in good faith when • on 10 April you ask us to cancel your plan, exercising our discretion to make decisions • that relate to your plan. we’ll collect your premium due on 1 April because this became payable before How we use your personal information you asked us to cancel your plan and verify your identity • we’ll collect this on 15 April because We (The Royal London Mutual Insurance you’ve asked us to collect your premiums Society Limited and our businesses and on that day, and divisions) may obtain personal information • we’ll cancel your plan on 1 May because either from you directly, or with your consent, this is the first day on which your next from your approved intermediary or from premium would be due. other sources such as your doctor or an identification agent. If you don’t pay your final premium: • we’ll cancel your plan from the date your We’ll use your personal information, final premium was due, including sensitive personal information • you won’t be covered from that date, and for the following purposes: • • we won’t pay any claim under your plan. Providing and developing our products If you cancel, we’ll tell you the date on which and services • your cover will end, and whether you need to Improving our customer care • pay a final premium. Verifying your identity and fraud prevention

Page 44 of 52 • Research and analysis We may carry out an identity authentication • Marketing check to verify your identity. This involves • checking the details you supply against those Legal and regulatory reasons • held on any databases that may be accessed Administering your plan by the reputable third party company We’ ll keep your personal information for which carries out our checks. This includes a reasonable time and we may also share information from the Electoral Register and information about you with other companies fraud prevention agencies. within the Royal London Group, your We’ ll use scoring methods to verify your approved intermediary, our service providers identity. A record of this search will and agents and with third parties such as be kept and may be used to help other auditors, underwriters, reinsurers, medical companies verify your identity. We may agencies, identity authentication and also pass information to financial and fraud prevention agencies, other financial other organisations involved in money institutions and legal and regulatory bodies. laundering and fraud prevention to Your personal data may be processed in protect ourselves and our customers from countries outside the European Economic theft and fraud. If you give us false or Area. This processing will be carried out by inaccurate information and we suspect experienced and reputable organisations and fraud, we’ll record this and share this only on terms which safeguard the security of information with other organisations. your data and comply with the requirements We may monitor and record phone calls and of the Data Protection Act 1998. retain these for the purposes of training and We may contact you by mail, phone, fax, email quality assurance and to ensure that we have or other electronic messaging either directly an accurate record of your instructions. or through your approved intermediary with If you provide us with information about further offers, promotions and information another person, you confirm that they’ve about our products and services that may be appointed you to act for them to consent of interest to you. By providing us with this to the processing of their personal data and information you consent to being contacted by that you’ve informed them of our identity these methods for these purposes. and the purposes (as set out on page 45 and We may also share your information with 46) for which their personal data (including carefully selected third parties, who may sensitive personal data) will be processed. contact you by mail, phone, fax or electronic You have the right to ask for a copy of the messaging to let you know about products information that we hold on you, for which and services which they believe may be of we’re entitled to charge a small fee. You can interest to you. By providing us with this ask us to correct any inaccuracies in your information you consent to being contacted information. by these methods for these purposes.

Page 45 of 52 • If you have any questions about how the person covered doesn't provide we’ll use your personal information, or if their consent for us to ask for medical you would like to receive our marketing information within six months of the communications by some but not all of the start of your plan from any doctor they methods listed on page 45, please contact us: have consulted about their physical or mental health to check the accuracy 0345 6094 500 of any statement made in, or in [email protected] connection with, your application; • 0345 6094 522 any question answered or any statement made in, or in connection Royal London, 1 Thistle Street, with, your application is inaccurate Edinburgh EH2 1DG or misleading and this affects our When we may change the terms and decision of what cover we’re willing to provide under your plan; conditions applying to your plan or • cancel your plan you make a claim and we find that you or the person covered haven't told us We may make changes to the terms and something that affects your cover; conditions applying to your plan (including • your premiums) in the circumstances set you don’t keep your plan premiums out in clauses 1 to 4 below or we may cancel up-to-date. your plan in the circumstances set out in 2. We may make changes to the terms clause 1. We will, where appropriate, take and conditions applying to your plan account of actuarial advice when we do so. (including your premiums) that we We’ ll normally give you 90 days’ written reasonably consider are proportionate in notice of a change. This may not be possible the circumstances if, because of a change for changes which are outside our control. in legislation, regulation or established We’ ll give you as much notice as we can in practice in relation to such legislation such circumstances. or regulations, or any relevant change or circumstance beyond our control: 1. We may make changes to the terms • and conditions applying to your plan it becomes impracticable or impossible (including your premiums) or cancel your to give full effect to the terms and plan if: conditions applying to your plan; • • you don’t tell us about changes to failing to make the change could, in any of the answers you or the person our reasonable opinion, result in Royal covered gave in the application, or London’s policyholders not being treated to information provided in relation to fairly; or • your application, between the date the way that we’re taxed or the way that it was completed and the date we your plan is taxed is changed. assume risk on your plan;

Page 46 of 52 3. We may make changes to the terms and If when you took out your plan we were conditions applying to your plan (including told the person covered is younger than your premiums) that we reasonably they really are, we’ll reduce the amount of consider won’t adversely affect you. These cover to the amount that would have been may include, for example, changes needed available if we’d been told their correct age. to reflect new services or features that we This means that, on a claim, we’ll pay an wish to make available to you. amount which is lower than the amount shown on your cover summary. 4. We may make changes to the terms and conditions applying to your plan Change of occupation (including your premiums) if we become aware of any error or omission in this plan You don’t need to tell us if the person covered changes their occupation. We’ ll details booklet. We’ ll only make such assess any claim based on their occupation changes to bring the plan details booklet immediately before the claim event happens. into line with your cover summary or the key facts document relevant to your plan. Complaints Contract We hope that you’ll never have reason to complain, but if you do, you can contact us at: The Personal Menu Plan is a contract between you and Royal London based on 0345 6094 500 your application to us. These terms and [email protected] conditions are part of the contract between you and us and should be kept in a safe Royal London, 1 Thistle Street, place. The contract consists of these terms Edinburgh EH2 1DG and conditions, the cover summary for each cover that you buy and any endorsements to We’ ll always try to resolve complaints as these terms and conditions that we give you. quickly as possible. If we’re unable to deal Where there’s a conflict between the terms with a complaint within five working days and conditions and the cover summary, the of receiving it, we’ll send you a letter to terms set out in the cover summary will apply. acknowledge your complaint and give you regular updates until your complaint is Mis-statement of age resolved. If when you took out your plan we were We can give you more information about our told the person covered is older than they complaint handling procedures on request. really are, we’ll reduce the payments to the We’re committed to resolving complaints amount that would have been charged if whenever possible through our complaints we’d been told their correct age and refund procedures. If we can’t resolve a matter any overpayment you’ve made. satisfactorily, you may be able to refer your complaint to the Financial Ombudsman Service.

Page 47 of 52 If you make a complaint we’ll send you a If we can’t meet our liabilities leaflet explaining the Financial Ombudsman Your plan is covered by the Financial Services Service. The leaflet is also available on request Compensation Scheme. You may be entitled to or you can contact the Ombudsman direct: compensation if we’re unable to pay claims due Financial Ombudsman Service to, for example, insolvency. This depends on the ExchangeTower type of business and the circumstances of the Harbour Exchange Square London claim. Further information about compensation E14 9SR scheme arrangements is available from the 0800 0234 567 Financial Services Compensation Scheme.

(calls to this number are now free on Law mobile phones and landlines) The law of England and Wales applies 0300 1239 123 to this plan. (calls to this number cost no more than calls to 01 and 02 numbers) Notices of assignment complaint.info@financial-ombudsman. If you assign any of your legal rights under the org.uk plan to someone else, we must see notice of the financial-ombudsman.org.uk assignment. Please send the notice to: Royal London, 1 Thistle Street, The Financial Ombudsman Service has been Edinburgh EH2 1DG set up by law to help settle individual disputes between consumers and financial firms. They An assignment could take place when you’re can decide if we’ve acted wrongly and if using the plan as security for a loan or have you’ve lost out as a result. If this is the case put the plan under trust. they’ll tell us how to put things right and whether this involves compensation. Rights of third parties Their service is independent, free of charge No term of this contract is enforceable under and we’ll always abide by their decision. If the Contracts (Rights of Third Parties) Act you make a complaint, it won’t affect your 1999 by a person who is not party to this right to take legal proceedings. contract but this doesn’t affect any right or remedy of a third party which may exist or be available otherwise than under that act.

Page 48 of 52 7. DEFINITIONS OF THE WORDS WE USE

This section explains all of the words in bold Deferred period and found within the plan details. The period between the person covered first meeting the definition of incapacitated Application and getting your first payment from us. The This is the application completed either deferred period is shown in the additional on paper online or over the phone containing features section of your cover summary. We the information that Royal London has used won’t pay a claim under any cover until the to set up the plan and includes any related end of its deferred period. information provided to Royal London (or to the medical examiner for Royal London Employed or a third party acting on behalf of The person covered working for remuneration Royal London). Any data capture form used under a contract of employment and paying by your financial adviser in order to complete class 1 National Insurance contributions. the online application doesn’t form part of your application to Royal London. Endorsements

Child Means documents used to add additional • information to your plan to amend existing the person covered's natural child from wording which become part of the terms birth to 21 years; and conditions. We’ ll send an endorsement • any child of the person covered who is to you only if we’ve the ability to make legally adopted from birth to 21 years; certain types of changes to your plan. • any child who resides with and is Exclusion financially dependent on the person covered from birth to 21 years. Means a reason shown on your cover summary when we won’t pay a claim. Cover payment period Full-time The length of time we pay your claim. The person covered must be in full-time (more Date we assume risk than 16 hours each week) paid occupation.

The date we assume risk is the later of: In arrears • the date you or anyone acting on your behalf Means we’ll make our payments to you at contacts us to ask us to start your plan; or the end of the month during a claim. • the date cover starts shown on your cover summary.

Page 49 of 52 • Intentional self-inflicted injury company car when used for private use • If the cause of the claim is the person car fuel which is provided for use with covered's death, intentional self-inflicted their company car • injury means in our reasonable opinion the beneficial loans including loans for most likely cause of death is that the person travel tickets covered took their own life, whether or not • insurance such as critical illness specifically shown as a verdict or cause of insurance, private medical insurance death in a death certificate, coroner’s report and accident and travel insurance or other equivalent documentation. • regular bonuses and commission If the cause of the claim is anything other received by them than the person covered's death, intentional • dividends received by them from a private self-inflicted injury means any injury limited company in which they and no they've suffered that is in our reasonable more than three other shareholders are opinion a result of the person covered's own employed as full-time working directors. deliberate act. The dividend amount must: • Occupation represent their share in the net trading profit of that company from its normal A trade, profession or type of work undertaken regular business, for profit or pay. It’s not a specific job with • any particular employer and is independent of be consistent with the trading position location and availability. of the company, and • stop being paid as a result of incapacity. Person covered • the salary received by the person covered’s The person shown as such on the cover spouse or cohabiting partner where they're summary. employed by the same company as them.

Pre-incapacity or Their salary would need to be a nominal pre-unemployment earnings amount (up to a maximum of £6,500 a year), and they would not contribute If the person covered is employed this towards generating the profit of the means their total pre-tax earnings for PAYE company. The spouse’s or cohabiting assessment purposes in the 12 months before partner’s salary must cease on the person they became incapacitated or unemployed. covered’s incapacity or unemployment. This may include: • Any salary, dividends or any form of the taxable value of any of the following private disability benefits being received by benefits shown on form P11D that will the person covered’s spouse or cohabiting be lost as a result of their incapacity: partner when they’re incapacitated or • living accommodation where they live unemployed will be treated as continuing and pay council tax income for the person covered for claims assessment purposes. Page 50 of 52 Income from savings and investments isn't Royal London Group included in our definition of pre-incapacity Royal London Group means the Royal London or pre-unemployment earnings. Mutual Insurance Society Limited and its If the person covered is self-employed subsidiaries. this means their total share of pre-tax Self-employed profit from their trade profession or vocation for the purposes of Part 2 of the The person covered's working: • Income Tax (Trading and Other Income) alone; Act 2005 for the 12 months before they • or with others in partnership; became incapacitated. • or as a member of a limited liability If the person covered's earnings vary partnership; and significantly from one year to another, for • paying class 2 National Insurance example because they are made up mainly contributions and being assessable to of commission or bonuses, we’ll use their income tax under Part 2 of the Income Tax average earnings over the last three years (Trading and Other Income) Act 2005. before the claim. Standard terms Income received from savings and investments won’t be included. Your plan is on standard terms unless we’ve charged an extra premium or applied an Relative exclusion to your cover. Means spouse, civil partner as detailed by the Term of the cover Civil Partnership Act 2004, domestic partner, parent or child, related to the person covered The period between the date cover starts and by blood, law, marriage or domestic partnership, the date cover ends. or a permanent member of their household. The UK Retail price index Means Scotland, England, Wales and This is the percentage increase in the UK Northern Ireland. government’s retail price index (or if that We or us or our index is no longer available, such other index as we reasonably determine to be equivalent) Means Royal London. over the 12-month period ending three Work months before the anniversary of the date the plan started, subject to a minimum of 2% Being employed or self-employed. and a maximum of 10%. You or your Royal London Means the plan owner or their legal The Royal London Mutual Insurance successors except where a different meaning Society Limited. is given in a these terms and conditions.

Page 51 of 52 Royal London 1 Thistle Street, Edinburgh EH2 1DG royallondon.com

All literature about products that carry the Royal London brand is available in large print format on request to the Marketing Department at Royal London, 1 Thistle Street, Edinburgh EH2 1DG. All of our printed products are produced on stock which is from FSC® certified forests.

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL. Royal London Marketing Limited is authorised and regulated by the Financial Conduct Authority and introduces Royal London’s customers to other insurance companies. The firm is on the Financial Services Register, registration number 302391. Registered in England and Wales number 4414137. Registered office: 55 Gracechurch Street, London, EC3V 0RL.

May 2016 44G0923/2