Funeral Protection Promis

If the life insured dies from any cause after the accidental death period, we will pay the cover amount.

If the life insured dies due to an accidental death at any time whilst covered by the policy, we will pay double the cover amount.

• PL8: Funeral Protection Plan
  
• PL6: Over 50's Insurance Promis Plan
  
• PLT: Life Insurance Promis

If the life insured dies due to a non-accidental death during the accidental death period, the full cover amount will not be payable. However, we will refund the premiums paid to date.

• PL8: Funeral Protection Plan
  
• PL6: Over 50's Insurance Promis Plan
  
• PLT: Life Insurance Promis

A life insured must be aged between 30 and 79 years of age and a resident of the UK at the cover commencement date. If you do change your residency status, it’s important that you let us know. A change in residency may be subject to tax implications, and this is your responsibility.

• PL8: Funeral Protection Plan
  
• PL6: Over 50's Insurance Promis Plan
  
• PLT: Life Insurance Promis

The minimum cover amount is £1,000.

The maximum cover amount you can have at the cover commencement date is £20,000. Regardless of how many Funeral Protection Promis products you take out, the total cover amount for each life insured cannot exceed £20,000 (not including inflation fighter increases).

You can always change your level of cover at a later date, upwards (provided you are under 80 years of age) or downwards (at any time), within the above limits. Any increase in cover other than inflation fighter will have a new accidental death period applied to the additional amount.

• PL8: Funeral Protection Plan
  
• PL6: Over 50's Insurance Promis Plan
  
• PLT: Life Insurance Promis

Below are the options you can choose. Your selections are shown on your plan schedule that you received at the time of taking your policy out.

• PL8: Funeral Protection Plan
  
• PL6: Over 50's Insurance Promis Plan
  
• PLT: Life Insurance Promis

You would have chosen a 12 or a 24 month accidental death period

• brand, elektriciteit, lekkage
  
• storm, hagel, regen
  
• inbraak, diefstal, rellen

If you have chosen level premiums, the amount you pay is locked in for the life of the plan and will not change unless you make changes to the plan or choose inflation fighter.

With increasing premiums, the amount you pay increases on each plan anniversary until the life insured’s 90th birthday. Your cover amount will stay the same unless you choose inflation fighter or ask us to change your cover amount. If you've chosen increasing premiums, you can switch to level premiums at any time but this will impact the premium or cover amount. If you switch from increasing premiums to level premiums, you cannot switch back.

• brand, elektriciteit, lekkage
  
• storm, hagel, regen
  
• inbraak, diefstal, rellen
• sneeuwdruk

The premium payable is shown on your plan schedule that you received in your welcome pack when you took the plan out. This was determined by:

• Your age when you took the plan out
  
• Your chosen cover amount
  
• Whether you have chosen Level or Increasing premiums
• Whether you selected a 12 or 24 month accidental death period
• Whether you selected to include inflation fighter
• Your premium frequency

As long as you pay your premiums when due the plan will continue until the life insured dies.

The last premium payable is the one before the life insured's 90th birthday. After that, you won't have to pay any further premiums and the plan continues at no further cost.

Please note, depending on how long the life insured lives, the total premiums paid may be more that the cover amount.

You can choose to pay your premiums once a month or once every four weeks. Premiums can only be paid by Direct Debit from a UK bank account which has a Direct Debit facility.

• Monthly – Choose a date between the 1st and the 28th of the month to pay.
  
• 4 weekly – Choose a day, Monday to Friday on which payments will be debited everyfour weeks
  

If any payment falls on a weekend or a bank holiday the payment will be debited on the following working day.

If you do miss a premium payment, we will write to inform you of the unpaid premium(s). We will let you know that if you miss 3 premium payments, your plan will be cancelled. You can pay the missed premium(s) by making a debit or credit card payment over the phone

• If you miss 3 consecutive premiums (e.g. March, April, May), you have 5 days from the third missed premium collection date to call us and make a debit or credit card payment.
  
• If your missed Premiums aren’t consecutive (e.g. March, July, December), you have 30 days from the third missed premium collection date to call us and make a debit or credit card payment
  

If premiums remain unpaid, we will cancel your plan and write to you to confirm that your cover has been cancelled.
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If a claim is payable and there are unpaid premiums on your plan, the unpaid premiums will be deducted from the claim amount.

Plans that have been cancelled because of unpaid premiums can be restarted within 2 months of the cancellation date if you pay all the missed premiums, the life insured has not died and no claim has been made. You will not be covered until the missed premiums are paid.

Your plan will end on the earliest of:

• The death of the life insured, or
  
• Cancellation of the plan by a plan owner or
  
• Cancellation of the plan by the insurer due to non-payment of premiums