Online Group Life Policy for Registered Schemes

Transcription

1 Online Group Life Policy for Registered Schemes Terms and Conditions (BGR/5126/OCT17) Online Group Life Assurance is provided and underwritten by Aviva Life & Pensions UK Limited, part of the Aviva group 1

2 Contents Page Definitions 3 1 The benefit 7 2 Commencement of cover 7 3 Claims 7 4 Free cover level 8 5 Premiums 8 6 Amendment of cover terms 10 7 Termination 11 8 Event limits 12 9 Other matters Notices Complaints 14 2

3 Definitions Aviva Group Life Protection is provided under a group life insurance policy by Aviva Life & Pensions UK Limited, which is part of the Aviva group. All references to Aviva should be read as reference to Aviva Life & Pensions UK Limited. The terms set out below are defined terms. Where they are used in bold in these terms and conditions they shall have the meaning set out below unless the context indicates otherwise. Where appropriate, the singular includes the plural, references to males include females and expressions defined in the definitions or elsewhere in the policy shall have the meanings respectively ascribed to them. Reference to any statutory provision shall be deemed to include any consolidation, modification, re-enactment or replacement or regulations thereunder made and in force from time to time. A reference to a person shall include an individual, a corporate body, a firm, association, partnership or trust. Actively at work A member shall be actively at work if that person is present at their place of work and is mentally and physically capable of performing the normal duties for the normal hours required by the job for which they are employed; Agreed minimum The minimum number of members, as specified in the policy schedule; Approved annuity provider A life insurer or other annuity provider specified from time to time in the list of such approved providers maintained by Aviva; Aviva Aviva means Aviva Life & Pensions UK Limited, part of the Aviva group, which is a private company limited by shares and registered in England number Registered office: Aviva, Wellington Row, York, YO90 1WR; Benefit limit The maximum amount of death benefit payable by Aviva which, subject to the relevant provisions of these terms and conditions, shall be the lower of: (a) the amount of benefit payable in respect of that member agreed in writing by Aviva; or (b) if applicable, the free cover level (subject to clause 4.2 of the terms and conditions); or (c) the maximum amount payable in respect of the relevant member under the rules of the scheme; Child Unless otherwise defined in the policy schedule shall mean the natural or adopted child or stepchild of a member who: (a) has not reached the age of 18; or (b) is engaged in full-time education or vocational training and has not reached the age of 23; or (c) has reached age 18 and was at the date of the member s death dependent on the member because of physical or mental impairment; Commencement date The date on which cover under the policy commences, as set out in the policy schedule; Death benefit The agreed lump sum payable by Aviva under the policy on the death of a member set out in the policy schedule subject to the benefit limit; Associate Any company, entity, partnership and body of trustees which are all part of the same group of companies, entities, partnerships and bodies of trustees. A group in this definition includes but is not limited to the policyholder and its associated, subsidiary or affiliated companies, entities or partnerships and any trustees associated with the policyholder from time to time; 3

4 Dependant A person is a dependant if (a) he/she was married to (or the civil partner of) the member at the date of the member s death (or, scheme rules permitting, at the time the member first became entitled to a pension under the relevant registered pension scheme); or (b) he/she was a child when the member died; or (c) he/she was neither married to the member at the date of the member s death nor a child but, in the reasonable opinion of the scheme administrator, at the date of the member s death was financially dependent on the member; or his/her financial relationship with the member was one of mutual dependence; or was dependent on the member because of physical or mental impairment; or such other basis as may be set out in the policy schedule; Employer The principal employer or (to the extent applicable) any participating employer; Escalation rate The annual increase in the level of pension provided for in the pension funding amount, as set out in the policy schedule; Excluded postal location A postal location specified as excluded in the policy schedule; Expiry age The age specified in the policy schedule at which a member will cease to be covered under the policy; Free cover level The level up to which member benefit will normally be provided to all members without medical underwriting, as specified from time to time in the policy schedule. The way in which the free cover level operates is set out in clause 4; Maximum group liability 100,000,000 or any other amount specified as such in the policy schedule. For the avoidance of doubt where the policy schedule specifies an amount of 0 Aviva shall have no liability in the circumstances specified; Maximum location liability 25,000,000 or any other amount specified as such in the policy schedule. For the avoidance of doubt where the policy schedule specifies an amount of 0 Aviva shall have no liability in the circumstances specified. The policy schedule may specify a different amount for different postal locations; Member An employee of the principal employer or any participating employer who: (a) fulfils the eligibility criteria for the scheme set out in the policy schedule; and (b) is a member of the scheme; and (c) was actively at work, at the time and in accordance with the requirements set out in the policy schedule; or (d) any other employee not fulfilling the above criteria whose cover is otherwise agreed in writing by Aviva, subject to any additional or amended terms as Aviva may apply; Member benefit The aggregate amount payable by Aviva to the policyholder on the death of a member, calculated in accordance with the policy, which shall be made up of the death benefit, and to the extent applicable, the pension funding amount; Minimum premium level The minimum premium levels specified in the policy schedule; 4

5 Normal salary A member s total basic salary (excluding benefits and bonuses) on the date immediately prior to the member s death or such other basis as may be set out in the policy schedule; Participating employer Any employer (other than the principal employer) which is directly or indirectly controlled by or associated with the principal employer where; (a) that employer has made an arrangement with the policyholder to be included in the scheme as a participating employer; and (b) Aviva has agreed that employer may be covered under the policy as a participating employer (with written confirmation from Aviva); Pension annuity amount The maximum annual amount payable by approved annuity providers under all spouse s pension, dependant s pension and child s pensions capable of being paid in accordance with clause 1.3 of the policy for all members at the relevant time assuming a valid claim had been made under the policy for the full pension funding amount; Pension funding amount The lump sum amount payable by Aviva under the policy to fund a spouse s pension, dependant s pension or child s pension, subject to any HM Revenue & Customs limits, calculated in accordance with clause 1.3; Policy This policy, which shall include the policy schedule, the terms and conditions together with any endorsements; Policyholder The holder of the policy for the time being; Policyholder group All of the following; (a) any associate of the policyholder during the period of the policy; and (b) any associate of any company, entity or partnership which is an employer participating in a scheme to provide death in service benefits to its employees of which the policyholder is trustee during the period of the policy; and (c) any trustee of any scheme to provide death in service benefits to employees of any associate of the policyholder during the period of the policy; and (d) any trustee of a scheme to provide death in service benefits to employees of any associate of any company, entity or partnership which is an employer participating in a scheme to provide death in service benefits to employees of which the policyholder is trustee during the period of the policy; Policy schedule The details of cover in respect of the policy set out in the schedule to the policy as amended from time to time; Policy year In the case of the first such period, the period from (and including) the commencement date to (and including) the day before the first scheme anniversary date and thereafter each annual period from (and including) the scheme anniversary date to (and including) the day immediately preceding the next scheme anniversary date or the date of termination of the policy, if sooner; Postal location Any single building and any and all buildings with separate addresses but which share an identical postcode with the exception of the last two characters. In the case of changes in the standard UK postcode system, the postcodes existing on the later of the commencement date or the last premium review date prior to such change; Pre-existing condition Any disease, illness or injury for which a member has: (a) received advice and/or consulted a doctor and/or received medication and/or received treatment; or (b) experienced symptoms; whether the condition was diagnosed or not before the member s qualification date (or such later date as Aviva may confirm in writing applies) or any condition which relates to any such disease illness or injury; 5

6 Premium The premium payable in respect of the policy calculated in accordance with the terms of the policy as charged from time to time; Premium guarantee period In the case of the first such period, the period from (and including) the commencement date and ending immediately before the first premium review date and thereafter a period from each premium review date to the day immediately before the succeeding premium review date; Premium review date The second scheme anniversary date and every second anniversary thereafter or such other dates agreed in writing by Aviva and set out in the policy schedule; Principal employer The principal employer named in the policy schedule or any other company, firm, organisation, person or body of persons which succeeds the principal employer under the scheme, and Aviva acknowledges as having done so; Qualification date The date on which an employee becomes a member; Scheme The registered group life or registered occupational pension scheme named in the policy schedule and established by the principal employer or another company, firm, organisation, person or body of persons which preceded the principal employer under the scheme to provide benefits for its members; Scheme anniversary date The annual review date set out in the policy schedule; Single premium amount The premium notified by Aviva to the principal employer for each member for a policy year. Unless the previous policy year ends on a premium review date Aviva may only change the single premium rate used to calculate the premium for each member to reflect the change in that member s age, Aviva shall only amend the single premium rate applicable for each age at a premium review date; Single premium rate The rate of premium used by Aviva to calculate the single premium amount; Spouse The legal wife or widow or husband or widower or civil partner of a member. Any other relationships with the member will be treated as a spouse only with the specific written agreement of Aviva; Taxes Act The Finance Act 2004 and subsequent amending legislation; Terms and conditions These terms and conditions reference BGR/5126/OCT17; Unit rate The rates of premium specified in the policy schedule as the unit rate as changed from time to time being the amount payable for every 1000 of scheme benefit made up from death benefits during the policy year and every 100 of scheme benefit made up from pension annuity amounts during the policy year; Working day A day other than a Saturday or Sunday or a public holiday in England and Wales or in Scotland or Northern Ireland. Scheme benefit The maximum amount of member benefit capable of being paid under the policy for all members at the relevant time assuming a valid claim had been made under the policy for the full amount of member benefits; Scheme rules The rules of the scheme set out in the deed establishing the scheme; 6

7 1 The benefit 1.1 Aviva will provide cover for each member equal to the member benefit calculated in accordance with the policy. 1.2 Aviva shall pay the policyholder on the death of a member during a policy year the member benefit in respect of that member. Payment is subject to: (i) the terms and conditions; and (ii) the policyholder having claimed such member benefit and, having complied with all its obligations under these terms and conditions (including, without limitation, all requests from Aviva for information pursuant to clauses 3 and 6). 1.3 Where the member benefit includes provision for a pension funding amount then the obligations of Aviva shall be discharged by a payment by Aviva to the policyholder of the amount required to purchase from an approved annuity provider chosen by Aviva, an annuity equal to the pension provided for in the policy schedule for the relevant spouse, dependant or child. Provided that any such amount shall be reduced in accordance with clause 1.4 or 1.5, if applicable. Payment by Aviva to the policyholder shall be a good and entire discharge of Aviva s obligations as to the pension funding amount under the policy. 1.4 The death benefit shall be aggregated with the pension funding amount for the purposes of applying the free cover level to the member benefit subject to clause Any pension funding amount shall be reduced where any dependant (other than a child) to whom a pension would be paid is more than 10 years younger than the relevant member. The amount of the reduction will be based on a reduction in the annuity referred to in clause 1.3 of 2.5% per annum for each year (or part thereof) that the dependant is younger than the relevant member in excess of 10 years. 1.6 A spouse s pension, dependant s pension or child s pension and the relevant pension funding amount may include provision for escalation at the escalation rate. 2 Commencement of cover 2.1 Subject to these terms and conditions and the policy schedule, cover under the policy will begin on the commencement date and continue until determined in accordance with the policy. 2.2 Subject to these terms and conditions and the policy schedule, cover for any member will begin on their qualification date and continue until determined in accordance with the policy. 3 Claims 3.1 The policyholder shall inform Aviva of the death of a member as soon as reasonably practicable and in any event within one month of the event occurring and provide in respect of the member such information as Aviva may reasonably request, including, without limitation: (a) a death certificate; (b) such medical reports and other information about the member s medical condition and history (including the employee s age) as Aviva may reasonably require; (c) in the case of a member benefit which includes a pension funding amount, a marriage or civil partnership certificate in respect of the spouse and the member and/or the birth certificate of any child, spouse or dependant in respect of whom a pension funding amount is paid; (d) evidence of a member s normal salary; and (e) such other information as Aviva may require pursuant to this clause If the policyholder fails to comply with any of the provisions of this clause 3 in relation to any member then Aviva shall be entitled to withhold payment until the relevant requirement has been fulfilled. 3.3 Aviva shall not be liable for any act, error or omission arising directly or indirectly from any error in or omission from any data, information or evidence provided to it by the policyholder or an employer. 7

8 3.4 Aviva shall not be liable for a member benefit in respect of any member not detailed in the data provided to it by the policyholder. 3.5 Aviva shall be entitled to recover from the policyholder any overpayment of benefit which was the direct or indirect result of any incorrect data, information or evidence provided to it. 4 Free cover level 4.1 The benefit limit shall not be restricted by the free cover level for a particular member from the date where Aviva has agreed in writing with the policyholder that it will provide cover in excess of the free cover level for that member. In such a case the benefit limit shall include the additional amount agreed in writing by Aviva. 4.2 Where an application for cover which exceeds the free cover level has been submitted to Aviva for a member, the benefit limit shall be limited by the lesser of the amount applied for up to a maximum of 1million above the free cover level, save as set out in clause 4.3 below, in place of the free cover level in respect of any claim in relation to that member between the date on which the application was notified to Aviva and the earlier of: (a) the day being 90 days after the qualification date of that member or such other date as Aviva may agree in writing for that member; and (b) the date from which Aviva has agreed or declined to provide terms for a benefit limit in excess of the free cover level in respect of the relevant member, subject to the other terms and conditions of the policy. 4.3 Where clause 4.2 applies, the benefit limit shall be the free cover level (or any previously agreed increase in excess of the free cover level) in respect of any member for whom an application for cover which exceeds the free cover level has been made in respect of: (a) any claim in relation to that member arising directly or indirectly as a result of a pre-existing condition; or 4.4 Any application made by the employer for a benefit limit in respect of a member which exceeds the free cover level shall be considered by Aviva at its sole discretion and may result in exclusions, loadings, postponements and declinatures and the policyholder shall provide to Aviva in respect of each member such evidence of his health and other matters relevant to the assessment of risk as Aviva may reasonably require. 4.5 The benefit limit shall not include the free cover level for any member where; (a) the member does not fulfil the eligibility criteria as set out in the policy schedule; or (b) the member was not a member of the scheme; or (c) the maximum amount of benefit payable in respect of that member agreed in writing by Aviva was less than the free cover level; or (d) the member does not join within the period of eligibility as set out in the policy schedule; or (e) the member was not actively at work, at the time and in accordance with the requirements set out in the policy schedule. 5 Premiums Premiums payable 5.1 The policyholder shall pay the premium to Aviva for each policy year and the minimum premium payable for a policy year shall be the minimum premium level. Single premium amount schemes 5.2 If the number of members at the commencement of the policy year is less than 20 or such other number as specified in the policy schedule, the premium the policyholder shall pay shall be calculated as a separate premium for each individual who is or becomes a member during the policy year and the premium payable for each member for the policy year shall be the single premium amount. (b) any member who has been accepted for cover under the policy on non-standard terms. 8

9 5.3 The policyholder shall pay in respect of the premium to be paid where clause 5.2 applies an amount on account for each individual who is a member at the commencement of the policy year. The amount shall be the sum equivalent to the premium that would be payable for the policy year if the individual remained a member for the whole of the policy year and the member benefit in respect of the member remained the same as at the commencement of the policy year. Unit rate schemes 5.4 If there are 20 or more members or such other number as specified in the policy schedule at the commencement of the policy year, the premium the policyholder shall pay shall be a single premium for all the individuals who are members during the policy year as a group. The premium shall be calculated by adding together the sums obtained by applying the following formulas: (a) (a + b) x c 2000 where: a = the amount of scheme benefit made up of death benefits at the commencement of the policy year b = the amount of scheme benefit made up of death benefits at the end of the policy year c = the appropriate unit rate; and (b) (a + b) x c 200 where: a = the amount of pension annuity amount at the commencement of the policy year b = the amount of pension annuity amount at the end of the policy year c = the appropriate unit rate. 5.5 The policyholder shall pay in respect of the premium to be paid where clause 5.4 applies an amount on account. The amount on account shall be the amount of the premium that would be payable for the policy year if the scheme benefit in respect of the members remained the same as at the commencement of the policy year. Premium adjustment 5.6 Aviva shall at the end of the policy year, calculate the total amount due under clause 5.2 or 5.4 in respect of premiums for the whole of the policy year, taking into account, as appropriate, individuals who have become or ceased to be members and any changes to the scheme benefits during the policy year. If the total amount due is more than the total amount received on account the policyholder shall pay to Aviva the amount of the difference and vice versa. Premium due dates 5.7 The payments on account in respect of each policy year shall, unless stated otherwise in the policy schedule, be payable in advance on the later of: (a) the working day which falls 30 days after the relevant premium (or estimate thereof) is notified by Aviva to the policyholder; and (b) the commencement of the policy year. 5.8 If it is not possible for Aviva to calculate the premium or payments on account (under clause 5.3 or 5.5) in respect of any policy year prior to the commencement of the policy year or within 30 days of the end of the policy year in the case of the premium, then Aviva shall estimate the premium or payment on account on the basis of such information as it has in its possession and notify the policyholder accordingly. The policyholder shall pay such estimated amount as if it were the premium or payment on account as the case may be. When it is possible to calculate the premium or payment on account, Aviva shall inform the policyholder of the actual premium or payment on account accordingly. Subject to clause 5.9 Aviva shall refund any overpayment and any underpayment by the policyholder shall become due for payment within 30 days of notification by Aviva to the policyholder of the relevant amount. 5.9 Aviva may agree with the policyholder that any underpayment or overpayment pursuant to clause 5.6 or 5.8 shall be repaid or recouped by adjustment of the premium or estimated premium for the succeeding policy year Annual payments to Aviva shall be made by cheque or by direct debit. Quarterly or monthly payments shall be made only by direct debit. 9

10 Non-payment 5.11 If the policyholder fails to make any payment when due under the policy then, cover under the policy shall terminate with immediate effect, and all outstanding payments under the policy shall become due and payable. If the policyholder makes the outstanding payment which has given rise to a termination of cover under this clause within 30 days of the due date Aviva may at its entire discretion reinstate cover If at any time the monthly or quarterly premium payable by the policyholder is reduced to less than the monthly or quarterly minimum premium level, Aviva shall be entitled to require full payment for the policy year in advance. 6 Amendment of cover terms 6.1 Aviva reserves the right to revise the free cover level (and cover under the policy) if membership of the scheme at any time comprises less than 80% of the aggregate of number of employees of the principal employer and of all participating employers who are eligible to join the scheme. 6.2 The policyholder will immediately inform Aviva, providing full details of: (a) any change in the identity of the principal employer; or (b) any addition to, or subtraction from, the participating employers; or (c) any material change in the nature of the business or undertaking of the principal employer or any participating employer; or (d) any change in the postal location of the members. and the policyholder shall give Aviva prior written notice of any amendment to the scheme provisions or rules no later than 30 days before such amendment comes into effect and clause 6.3 shall apply accordingly. Changes to terms by Aviva 6.3 Aviva shall have the right to vary, modify or amend forthwith any term of the policy at any time during any premium guarantee period (including, without limitation the premium rate and free cover level) by notice to the policyholder if: (a) the number of members is reduced below the agreed minimum; or (b) for policies with 20 or more members, the total sum insured under the policy increases or decreases by 25 percent or more during a premium guarantee period; or (c) for policies with less than 20 members, the total sum insured under the policy increases or decreases by 50 percent or more during a premium guarantee period; or (d) the policyholder has failed to comply to Aviva s reasonable satisfaction with any request for additional information under the policy within 60 days of such request; or (e) there is any material change in the constitution or rules of the scheme or the nature of the business or constitution of the principal employer or of any participating employer; or (f) if the scheme ceases to be a registered group life or a registered occupational pension scheme; or (g) the postal location of the members changes; or (h) there is any addition to or subtraction from the participating employers; or (i) there is any change in the identity of the principal employer; (j) there is any material change in law or practice of any governmental or statutory body (including without limitation rates of taxation and social security benefits or practice or any levy or charge under the Financial Services Compensation Scheme) which materially affects the cost to Aviva of providing cover. 6.4 The policyholder shall promptly notify Aviva of any circumstance coming to their attention within sub-clauses 6.3(a) to (i) (inclusive) and provide Aviva with full details of the same. 10

11 Changes on premium review 6.5 Prior to any premium review date the policyholder must provide such information as is reasonably requested by Aviva to allow Aviva to determine the terms on which cover may be provided. 6.6 In addition to the provisions set out in clause 6.3 and 6.10 Aviva shall be entitled to vary, amend or modify any term of the policy (including, without limitation the premium rate, the free cover level and premium payment provisions) with effect from every premium review date. 6.7 Aviva will give notice to the policyholder of any variation, amendment or modification pursuant to clause 6.6 but, subject to clause 6.9, shall not be obliged to provide such notice prior to the relevant premium review date. Policyholder s right to terminate 6.8 Following notification by Aviva of any variation, amendment or modification of a term of the policy the employer shall be entitled to terminate cover with immediate effect by notice given to Aviva within 30 days of service of such notice from Aviva subject to the terms and conditions of the policy which existed immediately prior to the giving of the notice by Aviva or, in the case of a notice under clause 6.7 the premium review date on which the change would otherwise have taken effect. In the absence of service of a notice by the employer within 30 days, the policyholder will be deemed to have accepted the changes notified by Aviva. Changes by Aviva after the second anniversary 6.9 In addition to the provisions set out in clauses 6.3 and 6.6 Aviva may at any time after the second anniversary of the commencement date vary, amend or modify any term of the policy (with the exception of the premium rate which shall only be modified in accordance with clause 6.6) Variations, amendments or modifications under clause 6.10 apply to all members under the policy with the exception of those members in respect of whom a claim for member benefit has been made at the date the change applies Aviva will give notice to the policyholder of any variation, amendment or modification pursuant to clause 6.10 at least 14 days before the date on which the changes are due to take effect. 7 Termination 7.1 Cover will terminate under the provisions of clause Termination by Aviva 7.2 Cover under the policy may be terminated by Aviva: (a) in any of the circumstances referred to in clauses 6.3(a), 6.3(d), 6.3(e) or 6.3(f); (b) with immediate effect in respect of any or all members, by notice from Aviva, if the policyholder, the principal employer or any participating employer have failed in their duty of utmost good faith by supplying misleading, incorrect or incomplete information to Aviva, or in respect of any member if that employee has failed in the said duty; (c) in any of the circumstances referred to in clause 6.3(g) or (h) with effect from the date of the change referred to in those sub-clauses in respect of any or all members. 11

12 Termination by policyholder 7.3 Cover under the policy may be terminated by the policyholder: (a) under clause 6.9; (b) at any time by notice to Aviva with immediate effect if Aviva is in material breach of its obligations under the policy and such breach has not been remedied within 60 days of service by the policyholder of notice of such breach; (c) at any time provided that prior written notice of such termination has been served by the policyholder on Aviva. Termination of the policy cannot be backdated to before the date of the written notice by the policyholder. Continuation of claims 7.4 All valid claims, accepted by Aviva as such, notified to Aviva in respect of the death of a member prior to the date on which notice of termination is duly served in accordance with this clause 7 shall continue to be eligible for payment. Termination of membership 7.5 A member will cease to be covered under the policy on the earliest to occur of the following events: (a) on reaching the expiry age (unless otherwise agreed in writing by Aviva); (b) on retiring from the service of the principal employer or any participating employer prior to the expiry age (unless otherwise agreed in writing by Aviva); (c) on the elapse of a continuous period of absence of 36 months due to incapacity (or such other period as may be agreed in writing by Aviva); (d) on the elapse of a continuous period of absence of one month due to reasons other than incapacity, save where Aviva authorises a period of up to 12 months (or such other period as may be agreed in writing by Aviva); (e) on leaving the service of the principal employer or any participating employer; (f) on ceasing for any reason to be a member of the scheme. 8 Event limits 8.1 Subject to clause 8.2 Aviva s maximum liability under the policy for the deaths of any and all members which are attributable directly or indirectly to one originating cause shall be the lesser of the liabilities calculated on the basis set out in clauses and irrespective of the period or area over which the deaths occur. For the purposes of this policy a series or sequence of causes on the balance of probability actuated by the operation of human agency acting in concert or in accordance with a plan or design shall be deemed to be one originating cause The maximum location liability shall apply to all members whose principal place of employment is within one postal location for deaths attributable directly or indirectly to one originating cause as described in clause The lesser of the aggregated maximum location liability for each postal location and maximum group liability shall apply in the case of the deaths of any members which are attributable directly or indirectly to one originating cause, as described in clause 8.1 where those members; (a) have their principal place of employment at more than one postal location under the policy or any other policy or scheme provided by Aviva and are employees of the policyholder and/or the policyholder group; and (b) are gathered together in one place. For the purposes of this clause a place shall be construed in accordance with the nature and extent of the applicable cause and may be (for example) a single building, a complex of buildings, an aeroplane, a ship, a town or a city. 8.2 No liability shall apply for the deaths of any and all members which are attributable directly or indirectly to one originating cause whose principal place of employment is within any excluded postal location. 8.3 Aviva shall not be bound to pay any member benefit in respect of any member where the death of that member is attributable directly or indirectly to one originating cause and; (a) the policyholder has not advised Aviva previously of the location of that member s principal place of employment; or 12

13 (b) the policyholder has not confirmed to Aviva the geographic location of the principal place of employment of that member and Aviva has confirmed the member is covered. 9 Other matters 9.1 All payments to be made by Aviva under this agreement shall be payable in sterling at the address of Aviva stated in Clause The receipt of any benefits payable under this policy by the policyholder or any person authorised by them for payment shall be a good discharge to Aviva which shall not be concerned to see further to the discharge of such benefits. 9.3 The policy shall have no surrender value at any time. 9.4 The policy and/or any benefit payable under it shall be incapable of assignment by the policyholder, save where any policyholder is a trustee and the assignment is to appoint a new trustee, without the prior written consent of Aviva. 9.5 No benefit shall be payable under this policy by virtue of any statutory provision, governmental or regulatory restriction or rule of law which applies to it. 9.6 No variation or amendment of the terms of this policy shall be effective unless it is agreed in writing by or on behalf of the policyholder and Aviva. 9.7 No failure or delay by Aviva in exercising any right, power or privilege under this policy shall act as a waiver thereof or shall preclude the exercise by Aviva of any other right or power available to it. 10 Notices 10.1 Any notice or other communication to be given or served under or in connection with this policy shall be in writing and shall be sufficiently served or given if delivered or sent: In the case of Aviva to: Head of Group Protection, Aviva Group Protection, PO Box 3620, Norwich, NR7 7XS. Telephone In the case of the policyholder, to their last address correctly notified to Aviva in accordance with this clause Any such notice or other communication shall be delivered by hand or sent by courier, fax or pre-paid first class post. If sent by courier or fax such notice or communication shall, in the case of service in the United Kingdom, conclusively be deemed to have been given or served 24 hours after the time of despatch (in the case of fax the time of despatch being the time on which the fax has been sent in readable form in its entirety), or 48 hours after despatch in the case of international service. If sent by pre-paid post such notice or communication shall, in the case of inland mail in the United Kingdom, conclusively be deemed to have been received 48 hours from the time of posting, or three days after despatch in the case of international mail. 9.8 The policy and the agreement underlying it shall be governed by English law and the policyholder and Aviva both submit to the exclusive jurisdiction of the English courts in all matters pertaining to it. 9.9 This contract is only capable of enforcement by the parties to it. No rights of enforcement or any other rights are given to any third parties, including those described in these conditions. 13

14 11 Complaints We want you to be entirely satisfied with your group protection policy. If you have a query or complaint, then in the first instance please contact the financial adviser who arranged the policy. If there was no adviser, please contact us directly. Head of Group Protection, Aviva Group Protection, PO Box 3620, Norwich, NR7 7XS. Call us on Calls may be recorded and may be monitored. If you are complaining about the decision we have made on a claim or disagree with our response, or if we have not replied within eight weeks, you may be able to take your case to the Financial Ombudsman Service for them to investigate. Their contact details are: The Financial Ombudsman Service (FOS) Exchange Tower London E14 9SR Telephone: or complaint.info@financial ombudsman. org.uk Website: Please note that the Financial Ombudsman Service will only consider your complaint if you have given us the opportunity to resolve the matter first. Making a complaint to the Ombudsman will not affect your legal rights. Financial Services Compensation Scheme In the unlikely event that we cannot meet our financial obligations, you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS). This will depend on the type of business and the circumstances of your claim. The FSCS may arrange to transfer the policy to another insurer, provide a new policy or where appropriate, provide compensation. Further information about compensation scheme arrangements is available from FSCS on or at its website 14

15 Aviva Life & Pensions UK Limited. Registered in England No Registered office: Aviva, Wellington Row, York, YO90 1WR. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number Calls to Aviva may be recorded BGR/5126/OCT17 Aviva plc