Accidental death benefit.

Sometimes, when you apply for a life assurance policy we’ll be unable to give you an immediate decision. We may need to write to you or your doctor for more information.

During this time we think it's important that you still have some protection and so we provide you with free accidental death benefit whilst we process your application. We provide this cover without the need for any underwriting – giving you peace of mind that you’re covered in case of an accident.

• The amount of accidental death benefit will be the amount you applied for or £300,000, whichever is lower.
• The cover will start when we receive a completed application form that you submit online or over the telephone.
• Cover will last for 90 days or until we accept, postpone or decline your application or you notify us that you no longer wish to proceed, whichever is earliest.
• Accidental death benefit pays out a cash sum if you die within 90 days of an accident. In this instance our definition of an accident is where a bodily injury is sustained, caused by an accidental violent, external and visible means, which solely and independently of any other cause results in death.

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