Family and Personal Income Plan - Information

Our Family and Personal Income Plan aims to provide a regular, monthly benefit if the Life Assured dies or is diagnosed with a Terminal or Critical Illness (if selected and are eligible to claim during the policy term).

The Family and Personal Income Plan is set up as monthly benefit at the outset and can be taken as Life Cover, Life and Critical Illness Cover or Critical Illness Cover. This means that the Life Assured's dependants could have a monthly benefit if the Life Assured dies or if they suffer a terminal illness or from one of a list of critical illnesses (if selected) during the term of the cover and are eligible to claim, helping their family to meet daily living costs and to maintain their standard of living.

The plan automatically includes:

• Terminal Illness Cover - the sum assured will be paid out if the Life Assured is diagnosed as suffering from a terminal illness and is eligible to claim (where life expectancy is less than 12 months). This does not apply to the last 18 months of the term of the plan.

If Critical Illness Cover is chosen the plan automatically includes cover for the Insured's children (and any future children they may have) during the term of the plan. Children are covered from when they are 26 weeks old up to their 18th birthday (subject to conditions).

Some of the following options and benefits may not be available. However if they are they must be chosen at the start of the plan and there may be an additional cost.

The above benefits and options are subject to terms and conditions which can be found in the policy document or the Protection Plans technical guide which is available upon request.