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Your Guide to Insurance for Life Insurance

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Your Guide to Insurance for Life Insurance C M Y K PMS ??? PMS ??? PMS ??? PMS ??? Non-printing Colours Variable COLOUR JOB LOCATION: PRINERGY 3 Your Guide to Insurance for Life Insurance 612729 BAR_9912182_UK.indd 1 01/02/2018 16:01 LIFE INSURANCE Section 1 About this Guide About our Insurance Services In the following section `we/us/our’ refers to Barclays This guide provides important information from both Barclays and Aviva (the insurance Bank UK PLC and Barclays Insurance Services Company provider of this policy), and is for you to take away for reference. We will refer you to Limited. Barclays Bank UK PLC arranges Life Insurance as an intermediary through Barclays Insurance Services the various sections of this guide throughout the application process. You will need Company Limited, which is a wholly owned subsidiary to sign a declaration at the end of the process of your application for Life Insurance. company of Barclays Bank UK PLC. Before signing this declaration, you must read certain sections of this guide, including The registered address of both Barclays Bank UK PLC and Barclays Insurance Services Company Limited is Legal Statements, Key Facts, and consent to obtain a medical report. You have a 30 day 1 Churchill Place, London E14 5HP. cooling off period from the date of commencement of this policy and it is important Statutory status that you read the rest of the contents of this guide within that time. The key sections Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial of the document are as follows: Conduct Authority and the Prudential Regulation Authority (Financial Services Register no. 122702). Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Barclays Important Information Aviva Important Information Services Register no.312078). The Financial Conduct Authority is the independent watchdog that regulates Section 1 – About our Insurance Services – information Section 4 – Legal Statements – Data Protection and financial services. about Barclays Insurances Services Company Limited Prevention of Money Laundering and how and when Aviva including your rights, details of how we use your personal will share your medical information and why Aviva needs Financial Services Register information and confirming that this product is offered your consent to obtain a medical report from your doctor. You can check details of our Regulators and Registration without us providing advice to you and how we are by visiting the ‘Financial Services Register’ at Section 5 – Key Facts – more detailed information about remunerated. www.fca.org.uk/register. You can also contact the the key features, exclusions and limitations of this Life Financial Conduct Authority direct on 0800 111 6768. Section 2 – General Information – key summary Insurance product and how to contact Aviva with any information regarding this Life Insurance product. queries or complaints. Advice or information/Remuneration We can only offer non-advised life insurance from Aviva Section 3 – How much cover do you need – a tool that Section 6 – Life Insurance Plan Conditions – Life & Pensions UK Ltd and we act on behalf of this can help you decide the right level of cover for you, with the terms and conditions of this Life Insurance plan. insurance undertaking. This is offered on a non-advised some prompts of things you may want to consider. information only basis. Therefore we will not make a recommendation about the suitability of this policy for Important points you need to be aware of your demands and needs. • You must be aged between 18 and 68 when you apply for This policy is underwritten by Aviva Life & Pensions UK this policy. Limited, the insurer, who when a policy is sold pays us a • You must be a UK resident at the start of this policy. percentage commission of the total premium. If the type If after commencing the policy you start living outside of policy sold also reaches a profit surplus the insurer then of the UK the policy can continue throughout the term. pays us a further commission. The policy will remain subject to the laws of England Complaints throughout the term. We hope you are happy with the service we provide. • This policy will only pay out upon your death and has However, if you are unhappy with it, we would like to hear no cash in value at any time. from you. You can contact us, by writing to Barclays • If you decide you don’t want the policy, we’ll give you Customer Service Centre, PO Box 520, Norwich NR1 3WG your money back, if you change your mind within the first or telephone us on 0800 158 3066*. 30 days. For products you bought online from us, you can also raise a complaint with the Financial Ombudsman Service via the Online Dispute Resolution (ODR) platform provided by the European Commission. You can access the ODR platform here at http://ec.europa.eu/odr. You’ll need to quote our postal address (Barclays, Leicester LE87 2BB), website address (barclays.co.uk) and email address ODR@barclays. com to use this service. Although it may be quicker to contact the Financial Ombudsman Service directly. BAR_9912182_UK.indd 2 01/02/2018 16:01 2/3 Section 1 Using the complaints procedure does not affect your right About this Guide to take legal action. Details of our complaints procedure About our Insurance Services can be found in the Complaints Procedure section of your In the following section ‘we/us/our’ refers to Barclays policy document. This guide provides important information from both Barclays and Aviva (the insurance Bank UK PLC and Barclays Insurance Services Company provider of this policy), and is for you to take away for reference. We will refer you to Limited. Barclays Bank UK PLC arranges Life Insurance as Financial Services Compensation Scheme an intermediary through Barclays Insurance Services We are covered by the Financial Services Compensation the various sections of this guide throughout the application process. You will need Company Limited, which is a wholly owned subsidiary Scheme (FSCS). You may be entitled to compensation company of Barclays Bank UK PLC. from the FSCS if we cannot meet our obligations, to sign a declaration at the end of the process of your application for Life Insurance. depending on the type of business and the circumstances Before signing this declaration, you must read certain sections of this guide, including The registered address of both Barclays Bank UK PLC of the claim. Please refer to section 5, the Key Features and Barclays Insurance Services Company Limited is Document, to find out whether the insurer is also covered Legal Statements, Key Facts, and consent to obtain a medical report. You have a 30 day 1 Churchill Place, London E14 5HP. by the FSCS. cooling off period from the date of commencement of this policy and it is important Statutory status Further information about compensation scheme that you read the rest of the contents of this guide within that time. The key sections Barclays Bank UK PLC is authorised by the Prudential arrangements is available from the FSCS website Regulation Authority and regulated by the Financial www.fscs.org.uk or write to Financial Services of the document are as follows: Conduct Authority and the Prudential Regulation Authority Compensation Scheme, 10th Floor, Beaufort House, (Financial Services Register no.759676). Barclays Insurance 15 St Botolph Street, London EC3A 7QU. Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Demands and needs statement Aviva Important Information Register no.312078). The Financial Conduct Authority This Policy is designed to provide a cash sum if you die is the independent watchdog that regulates financial during the term of the policy. You may need to review and Section 4 – Legal Statements – Data Protection and services. update your cover from time to time to ensure that it Prevention of Money Laundering and how and when Aviva remains adequate. will share your medical information and why Aviva needs Financial Services Register your consent to obtain a medical report from your doctor. You can check details of our Regulators and Registration Important Information by visiting the ‘Financial Services Register’ at It’s important that you answer all the questions on any Section 5 – Key Facts – more detailed information about www.fca.org.uk/register. You can also contact the application form fully, truthfully and accurately. This is the key features, exclusions and limitations of this Life Financial Conduct Authority direct on 0800 111 6768. because we’ll use the answers you give to determine Insurance product and how to contact Aviva with any what your policy will cover and the price you will pay queries or complaints. Advice or information/Remuneration for the policy. We can only offer non-advised life insurance from Aviva Section 6 – Life Insurance Plan Conditions – Life & Pensions UK Ltd and we act on behalf of this Even if you’ve already provided information in a previous the terms and conditions of this Life Insurance plan. insurance undertaking. This is offered on a non-advised application, you must provide it to us again on any information only basis. Therefore we will not make a application form. recommendation about the suitability of this policy for If you don’t answer all the questions fully, truthfully and your demands and needs. accurately this could affect how much we pay out if you This policy is underwritten by Aviva Life & Pensions UK make a claim and could mean we won’t pay out your Limited, the insurer, who when a policy is sold pays us a claim at all. percentage commission of the total premium. If the type We also recommend that you check your policy on a of policy sold also reaches a profit surplus the insurer then regular basis to ensure it remains adequate for your needs pays us a further commission.
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