PLATINUM PLUS INTRODUCTION TERMINOLOGY. ABSA refers to Absa Insurance Company Ltd, the guys who underwrite the benefits that you ll
|
|
- Roger Lynch
- 6 years ago
- Views:
Transcription
1 PLATINUM PLUS INTRODUCTION It s our great privilege to welcome you to the LAW FOR ALL family! Today marks the first day of your brand new carefree journey doesn t it feel great knowing your legal worries are a thing of the past? The LAW FOR ALL Platinum Plus policy is designed to help you understand your legal rights and enforce these rights with the help of LAW FOR ALL. Your policy gives you access to legal assistance when you need it most, and your benefits kick into gear from the moment we receive your first premium. TERMINOLOGY ABSA refers to Absa Insurance Company Ltd, the guys who underwrite the benefits that you ll be enjoying as a LAW FOR ALL Policyholder. LAW FOR ALL - That s us! LIPCO Group (Pty) Ltd (the underwriting manager). Main Policyholder refers to YOU the person who applied for this policy and who is responsible for paying the monthly premium. SARS refers to the South African Revenue Service. 1 BENEFITS YOU ENJOY 1.1. Litigation Benefit This benefit covers up to R of your legal expenses per year. What s more, the benefit also covers your husband or wife (only one), your children who are still dependent on you (under 28,
2 not working, unmarried and permanently living with you), and any other family members that you may have added to your policy (if you ve chosen the extended family plan option). Remember, this is all subject to the rules and regulations in paragraph 1.2, so be sure to go read through it in great detail! You can use this benefit whenever you need a legal practitioner to represent you in the following cases: Civil actions: a. Where you want to sue another person for money, goods or services based on a written agreement. Remember that we cannot cover you if you don t have a written agreement with the other party. b. Where you re the one being sued by another person - it doesn t matter why they re suing you, as long as it doesn t go against any of the terms and conditions in this policy Criminal cases and bail applications where someone has accused you of committing a crime or doing something illegal. Please note: Guilty pleas are also covered, except for alcohol-or-drug-related matters An Employment related case, where you could lose your job if your boss wins the case Maintenance hearings where the person you are up against has a legal practitioner representing him or her; Divorce cases Representation in Domestic Violence disputes subject to a merit assessment However, before we can help you or cover you for any of these cases, there are a couple of conditions that apply: a. You can make use of this benefit, if the cause of the legal problem originated after the start of your policy, however, a 3-month Waiting Period applies to divorces. This also means that, whatever the problem or issue was that led to the court case, it must have originated at least 3 months after your policy has started. b. Your monthly LAW FOR ALL policy premiums must be paid and up to date in other words, we cannot help you if you owe us any money. c. Before we can provide cover, you must be able to prove to us that you have a good chance of winning your case. We will also look at other similar cases that have taken place in South Africa, to see how successful they were. Lastly, the LAW FOR ALL merits Committee will look at your case and decide whether or not it s worth going to court. If we feel that you do not stand a good enough chance of winning the case, the Committee will reject your claim. When it comes to criminal cases where it looks like you will in all likelihood be found guilty, we will cover you if you plead guilty that s to say, if the crime is not in any way related to alcohol or drugs. d. Later on in this document you ll find a list titled Your Obligations. In order to get cover or legal assistance, you need to tick all the boxes and fulfill every single one of those obligations; e. Whatever the case may be you need cover for, the fact is: It must have happened in South Africa and you must be a South African citizen. We can also only assist you if the case is being handled by a South African Court; f. When it comes to divorces, you will only be able to use R (per divorce) of your policy to cover it. As we mentioned before, there s a 3-month Waiting Period in other words, you can
3 only be covered for a divorce if the reason for the divorce started after 3 months. g. In a divorce battle, if your husband/wife has a legal practitioner at their side (and has served you a notice of intention to defend), this policy will cover you. Remember as the main Policyholder, you are the only one allowed to claim for a divorce case. We will try our utmost to cover your divorce, but remember we have to look at the merits and reasonable prospects of success. h. If you get married after you ve become a LAW FOR ALL Policyholder, your new husband or wife and their children will be added to your policy. Their Start Date will be the date of your marriage; i. Your policy does not cover any interdicts, eviction orders, sequestrations, Rule 43 applications (for instance, for maintenance or custody during a divorce case) or other self- motivated court applications. j. We do not cover civil matters that fall within the authority (i.e. Jurisdiction) of the Small Claims Court; k. If you decide to add family members to your policy (with the extended family plan) they will only be covered from the moment you ve paid their first premium. What s more, they will only be covered for legal matters that started after this Start Date; l. We cannot cover you if the case is based on any of the following: l.1. Where you ve been a victim of defamation of character, but you can t prove that your good name was publically tarnished and that you suffered financial loss as a result; l.2. Unlawful arrest or malicious prosecution for instance, if you were arrested without a valid reason and you now want to sue the State or complainant; l.3. Pain and Suffering- for instance if you suffered pain due to your Doctor s negligence. l.4. A transaction, case or issue that is business related. Remember, this policy covers your private life; and excludes legal disputes resulting from any business dealings. l.5. An issue or dispute between you and LAW FOR ALL, any of its employees or subsidiaries, or; l.6. A Constitutional Court matter; l.7. Civil commotion, labour disturbances, riots, public disorder, unlawful strikes, lock-out and civil disobedience, war, invasion, acts of foreign enemies, hostilities or warlike operations, mutiny arising in other words, if you cause problems in our beautiful country, we cannot take your side; l.8. Adoption or custody rights; l.9. Political activities in any government, local or tribunal authority that you ve taken part in; l.10. Any case where you were accused of being under the influence of alcohol and/or drugs; l.11. A case or issue where you re allowed to pay an admission of guilt fine. l.12. A claim against the Road Accident Fund Additional Benefits As they say, that s not all, folks! The Litigation Benefit in paragraph 1.1 is fantastic on its own, but there s so much more to your policy. You will also enjoy the following benefits: a. Access to a 24-hour Legal Emergency Line, which is ideal in the case of (for instance) after-hour bail applications; b. Legal advice on practically any legal matter where you re involved on a personal level (in other words, not business-related); c. Mediation Benefit: Our legal professionals will help you settle all your personal legal matters
4 in an attempt to avoid the courtroom! This means you don t have to deal with the stress and hassle involved with court cases. We will help you resolve your case by negotiating with the third parties via telephone, , fax and letters. This benefit only applies to cases that started less than 6 months before the Start Date of your policy and excludes business matters. d. If you are retrenched, LAW FOR ALL will provide you with FREE cover for advice and mediation for up to 12 months after you ve been retrenched this of course depends on how long you are unemployed, and we will need proof of your retrenchment. You will also have to let us know the moment you become employed again; e. Access to a variety of contracts, like sale and lease agreements all set up and ready for you to use. Simply contact our Legal Call Centre to get access to our templates; f. Up to 60% discount on transfer fees (not transfer duty) when making use of one of our recommended panel attorneys (do note, however, that your discount will depend on the actual purchase price). g. One free prenuptial agreement just remember that this is only available after a 3-month Waiting Period and that this benefit is only for the Main Policyholder. h. Payment of up to R bail money per policy per year, where we also covered the bail application and provided that the bail set at an amount not exceeding R (i.e no pro rata bail cover where the total amount exceeds R10 000). This amount will be paid to the court, provided a LAW FOR ALL approved panel attorney has been instructed to tend to the bail hearing. i. Rescission of a Magistrate Court judgment, provided that the judgment was obtained after the start of this policy. You will need to prove that you have a valid defense or alternatively that you have settled the judgement debt in full and that the creditor has consented to the rescission. Kindly note that rescissions based on a creditor s consent will be limited to 2 applications per policy per year. j. Estate assistance and tax advice have a look at Annexure A and B for more details on this. Please note: An important thing to remember is that any legal matter that isn t specifically mentioned under BENEFITS YOU ENJOY will not be covered by your policy. 2 OBLIGATIONS a. Don t delay when you become aware of a legal issue that you need help or cover for, make sure you report it to LAW FOR ALL within 30 days! b. When you want to report a new case, use the contact details on your policy card to get in touch with us and make sure that you have your policy or ID number on hand; c. If you feel that you were denied cover without good reason, or if you disagree with the way we handled your case, don t just leave it there! Please put your reasons in writing and send it to the person whose details appear on the rejection letter; d. Before you claim from your Litigation Benefit, you must first claim from any other insurance you might have for example, if you were in a car accident, first use your car insurance to repair your car; e. We can t help you if we don t have enough insight into your case. It s your responsibility to pay for and provide us with all the necessary documents, reports, statements and other evidence
5 that we might need. If you drop the ball and don t send us these documents, we may reject your claim so get your matters in order! f. When it comes to vehicle finance agreements, we can only cover you if you played by the rules. Always make sure that you stick to the rules of the agreement and that your car is only driven by licensed drivers. g. Whenever you send us information, triple check that it s 100% accurate, and don t keep any important information from us. If you are not honest with us, you can lose your cover entirely and you ll have to foot the bill for all legal fees. h. If ever you need to use a lawyer that s not part of our team, we ask that you chat to us and get our written approval first. If you don t, you ll have to pay all the legal fees and we won t be able to refund you for it. i. If you decide not to make use of LAW FOR ALL s lawyers to represent you in court, we will only pay up to the tariffs as set out by us. Any extra costs will have to come out of your own pocket. j. Let s talk about the Mediation Benefit here you re only allowed to make use of the mediators appointed by LAW FOR ALL. If you decided to use another mediator who was not approved and appointed by LAW FOR ALL (in writing), your policy won t cover it. k. If you want to cancel your policy, we ll be sad, but we won t stand in your way. We only ask that you give us 30 days notice (in writing, of course). l. You must attend all court dates. If you do not appear in court without a valid reason, and we lose any bail money (paid in terms of clause 1.3 (h)), you will have to pay the money back to LAW FOR ALL. m. Should you need to call on any expert witnesses to testify on your behalf, you will have to pay the bill. 3 PAYMENTS Your premium must always be paid on a monthly basis, for the month ahead (in advance). This means that you will then be covered until the next month, when your next payment is due. We understand that some months aren t easy, that s why we allow a grace period of 30 days (after the due date) for you to pay your premium. Unfortunately, if we still haven t received your payment by the end of the 30 days, your cover will be stopped. But all is not lost! You can start paying your premium again at any time, but please note that a reinstatement fee will be charged and your policy will have a new Start Date and Waiting Period. Keep in mind that your monthly premium is subject to annual review. That means we may adjust your premium due to external factors (such as inflation, increases in legal fees or operational expenses). Please don t worry! If you won t be able to afford the new premium, let us know and our sales agents will get in touch about more affordable options. 4 AMENDMENTS If, for whatever reason, we decide to change or cancel your policy, we will give you 30 days notice. Keep an eye on your inbox and postbox, because we ll be sending your notifications via
6 or by fax/post! If we feel that you are misusing your benefits or not playing fair, we have the right to add extra terms and conditions to your policy. As long as you keep to the rules, we ll go the extra mile for you simple as that! USE YOUR BENEFITS Simply call or your problem to or SMS YOUR NAME to and we ll call you back. Are you happy with our service? Or perhaps feel we can improve? We d love to hear from you. Contact our Client Service Team on or send an to feedback@lawforall.co.za. ANNEXURE A ESTATE ASSIST BENEFIT Wouldn t it be nice to know that your loved ones are taken care in the unfortunate event of you passing away? The Estate Assist Benefit is there for the people you leave behind. The benefit provides FREE assistance to your loved ones and executor, and includes the following: Basic Assistance a. Drafting/Amendment of a Will for you and your legitimate spouse. b. Help with the winding up of your estate. Where you did not appoint an executor (e.g. there isn t a Will available) or where a family member (who was appointed as your executor) needs some help in winding up the estate. c. 24-hour legal advice to the loved ones you leave behind (surviving spouse, children and parents) for up to 12 months after your date of death. d. Mediation for up to 12 months (from your date of death) to help your loved ones resolve any dispute that might have cropped up from your estate and/or Will. Estate Mediation LAW FOR ALL will appoint an estate mediator to help your family with all the nitty gritty little things, by: a. Consulting with your immediate family, and thereafter with the executor. b. Obtaining all necessary documents from your family to find out whether or not your estate should be reported to a magistrate s office or a master s office. c. Helping the executor to complete the necessary documents. d. Helping the executor to append the required documents. e. The estate mediators will also provide your executor with advice and assistance, after your estate has been reported, by: Going through your bank account or post, to find what monthly payments are being made. Closing your bank accounts and opening up a cheque/current account (this will only happen as soon as more than R100 has been received). Giving notice on shares, investments, annuities, policies, etc. so that the money that is owed to you and your will be paid into the account. If you ve chosen beneficiaries for certain policies, these policies will be paid out to those beneficiaries directly.
7 Drafting the Liquidation and Distribution Account. General Conditions a. This benefit can only be used by the executor of your (main Policyholder s) estate, as well as that of our husband/wife and dependent children. b. Under this benefit, our team at LAW FOR ALL is only able to provide you with advice and mediation, which means we cannot get involved in any form of litigation (represent you in court). c. Our team at LAW FOR ALL will consult with everyone involved via telephone conversations, letters, faxes and s, in order to help your executor to wind up your estate. d. We have the right to appoint a legal practitioner to help us fulfill our duty in assisting with any of the benefits under Annexure A. e. We cannot be held liable or responsible for expenses or costs that your husband/wife, dependents or executor might have had to pay in order to wind up your estate. ANNEXURE B TAX ASSIST BENEFIT 1. General Conditions As the main Policyholder, you can ask us for advice on your personal tax affairs and we can also help you to complete and submit your annual tax returns (for the current tax year only). As always, there are a few small conditions: a. Only you (as the Main Policyholder) can make use of this benefit. It s essential that you provide LAW FOR ALL (or our nominee) with all the documents we need to successfully complete and submit your annual tax return to SARS. b. It s your responsibility to ensure that we receive all the documents we need to successfully complete and submit your tax return. These need to be delivered to LAW FOR ALL at least 1 (one) calendar month before the applicable tax deadline. If you drop the ball and don t get the required information and documents to us in time, we have the right to refuse tax advice and assistance or charge additional fees. c. Remember: You can only use this benefit for your own personal tax returns business stuff is not included! Let s quickly run through all the perks that are included in your Tax Benefit: Completion & submission of tax returns Completion & submission of provisional tax returns Advice on salary structuring Tax planning Dispute resolution with SARS Objection on assessment from SARS Calculation of Capital Gains Tax Calculation of Donations Tax Assistance with assessment audits Advice on all of the above
8 2. Limitations a. This benefit only applies to you if you are a South African resident, and only if you are the main Policyholder. b. Sole Proprietors are excluded unless they can provide LAW FOR ALL with the relevant Financial Statements for the Sole Proprietor for the specific tax year. c. This benefit does not apply to you if you are a Close Corporation Member or Shareholder in a Private Company, unless you can provide us with the Financial Statements of that Close Corporation or Private Company for the specific tax year. d. Policies issued before 1 June will also be covered for the current tax year (submission of tax return between July and November) isn t that grand? e. On the flip side, policies issued after 1 June will only be covered from the following tax year. f. Remember: We can t remind you of your tax return. It s your responsibility to let us know when we need to complete your tax returns. g. In order to complete your tax return in time, we need to get all your documents at least 1 (one) calendar month before the tax deadline. h. We cannot cover submissions, objections and audit assistance of previous years. i. Please remember that we cannot not get documents from third parties on your behalf (e.g. IRP5s, medical aid certificates, etc) it s up to you! We also cannot phone third parties on your behalf. j. Whenever you have to make a payment to SARS, it s up to you to take care of it. k. Remember to update your personal and banking details with SARS directly - even if we have your new details, we can t contact SARS on your behalf.
PLATINUM INTRODUCTION TERMINOLOGY. ABSA refers to Absa Insurance Company Ltd, the guys who underwrite the benefits that you ll
PLATINUM INTRODUCTION It s our great privilege to welcome you to the LAW FOR ALL family! Today marks the first day of your brand new carefree journey doesn t it feel great knowing your legal worries are
More informationPLATINUM PLUS 1 BENEFITS YOU ENJOY
PLATINUM PLUS 1 BENEFITS YOU ENJOY 1.1. Litigation Benefit This benefit covers up to R230 000 of your legal expenses per year. What s more, the benefit also covers your spouse (only one), your children
More informationThe future is exciting. Ready? Vodacom Legal Cover Core Policy
The future is exciting. Ready? Vodacom Legal Cover Core Policy Introduction It s our great privilege to welcome you to the Vodacom Legal Cover family. Today marks the first day of your brand new carefree
More informationLEGAL Terms and Conditions
LEGAL Terms and Conditions Legal Terms & Conditions With this policy, you enjoy the benefit of legal assistance through your insurer if and when you need it. In addition, you can gain a better understanding
More informationThe Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act The Fair Debt Collection Practices Act... i The Fair Debt Collection Practices Act... 1 Definitions used throughout this document... 1 For purposes of the Fair Debt
More informationHelping your loved ones. Simple steps to providing for your family and friends
Helping your loved ones Simple steps to providing for your family and friends Contents 01 How can I take control of who gets what? 02 Inheritance Tax 05 Do you know how much you re worth? 07 Making lifetime
More informationGuide to buying an annuity
Guide to buying an annuity 2 Welcome to our guide to buying an annuity You now have more choice than ever before when it comes to using your pension savings. Of course having more options can make it difficult
More informationTFG ( The Foschini Group ) OPTIONAL PRODUCT TAKEN OUT AT THE MAIN MEMBER S CHOICE
TFG ( The Foschini Group ) OPTIONAL PRODUCT TAKEN OUT AT THE MAIN MEMBER S CHOICE The Foschini Group Legal Protection Plan Membership Guide, including the Policy & Disclosure Notice (collectively, the/this
More informationCredit Card Debt Protection Plan
Credit Card Debt Protection Plan First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services Provider. FNB Credit Card Debt Protection Plan Your benefits guide to death,
More informationEstate Planning & Administration
Estate Planning & Administration Introduction If you ve been putting off creating an estate plan, then you re missing out on a chance to get some peace of mind. Many of our clients tell us that they feel
More informationGuide to Choosing Personal Auto Injury Insurance
Guide to Choosing Personal Auto Injury Insurance 2018 basic auto insurance This guide provides information about personal auto injury insurance available to all Saskatchewan residents. Motorcycle owners
More informationFSP Solutions (FSP 7889) launches:
FSP Solutions (FSP 7889) launches: Home Protect Underwritten by: Santam Insurance 6/25/2015 Product Training BACKGROUND This product had been developed in response to the Financial Sector Charter s recommendation
More information2017 Legalex (Pty) Ltd Reg Nr 2003/003715/07 FSP Nr: 5277 TERMS AND CONDITIONS
TERMS AND CONDITIONS The Insurer undertakes to indemnify the Insured for Legal Cost relating to a Legal Proceeding arising from an Insured Event which arises after the Date of Cover, subject to the Policy.
More informationWarehouse Money Visa Card Terms and Conditions
Warehouse Money Visa Card Terms and Conditions 1 01 Contents 1. About these terms 6 2. How to read this document 6 3. Managing your account online 6 4. Managing your account online things you need to
More informationYour Guide to Tort Coverage
Your Guide to Tort Coverage Personal Auto Injury Insurance 2018 basic auto insurance How this guide can help you If you or a member of your family has been injured in an automobile collision, this guide
More informationSUPPLEMENTARY INFORMATION DOCUMENT The NFU Mutual Select Investment Plan The NFU Mutual Select Individual Savings Account (ISA) INVESTMENTS
SUPPLEMENTARY INFORMATION DOCUMENT The NFU Mutual Select Investment Plan The NFU Mutual Select Individual Savings Account (ISA) INVESTMENTS SUPPLEMENTARY INFORMATION DOCUMENT The NFU Mutual Select Investment
More information11 Biggest Rollover Blunders (and How to Avoid Them)
11 Biggest Rollover Blunders (and How to Avoid Them) Rolling over your funds for retirement presents a number of opportunities for error. Having a set of guidelines and preventive touch points is necessary
More informationESTATE PLANNING FACT SHEET
What is a Will? ESTATE PLANNING FACT SHEET A Will is a written legal document which sets out your wishes following your death ranging from who is to receive your property and possessions to who is to look
More informationLegalWise Platinum Membership Terms
LegalWise Platinum Membership Terms Legal Expenses Insurance Southern Africa Limited Reg No 1984/010574/06 An Authorised Financial Services Provider 1 1. We are Legal Expenses Insurance Southern Africa
More informationTFG ( The Foschini Group ) The Foschini Group Legal Protection Plan Platinum Plus Membership Guide (the/this Product )
TFG ( The Foschini Group ) The Foschini Group Legal Protection Plan Platinum Plus Membership Guide (the/this Product ) 1. INTRODUCTION Congratulations on your Foschini Group Legal Protection Plan Platinum
More informationFamily Legal Plan. Trainer: Jay Moore
Family Legal Plan Trainer: Jay Moore Let s discuss the legal plan that you can offer the employees (including the business owner), and their families after the business has purchased a SmallBiz plan. For
More informationTHIRD PARTY PROPERTY DAMAGE INSURANCE PRODUCT DISCLOSURE STATEMENT PART 2
THIRD PARTY PROPERTY DAMAGE INSURANCE PRODUCT DISCLOSURE STATEMENT PART 2 INSURANCE COVER THIS DOCUMENT IS PART 2 OF A 2 PART PRODUCT DISCLOSURE STATEMENT (PDS). THIS PART 2 IS THE INSURANCE COVER DOCUMENT
More informationYOUR GUIDE TO PRE- SETTLEMENT ADVANCES
YOUR GUIDE TO PRE- SETTLEMENT ADVANCES What is a pre-settlement advance? If you have hired an attorney to bring a lawsuit, and if you need cash now, you may be able to obtain a pre-settlement advance on
More informationTheft and Hijack Insurance Policy Wording
Theft and Hijack Insurance Policy Wording Welcome to Drive and Save Your limited theft & hijack insurance. This product covers you for loss of your car due to theft or hijack where the car was not recovered
More informationLIFE PRODUCT DISCLOSURE STATEMENT AND INSURANCE POLICY
LIFE PRODUCT DISCLOSURE STATEMENT AND INSURANCE POLICY CGU LIFE PRODUCT DISCLOSURE STATEMENT AND POLICY LIFE This Product Disclosure Statement (PDS) has been designed to help you get the most out of your
More informationFIXED TERM RETIREMENT PLAN TERMS AND CONDITIONS TERMS AND CONDITIONS.
FIXED TERM RETIREMENT PLAN TERMS AND CONDITIONS TERMS AND CONDITIONS. 2 FIXED TERM RETIREMENT PLAN TERMS AND CONDITIONS CONTENTS 1 ABOUT YOUR PLAN 3 1.1 Meaning of words 3 1.2 Legal agreement 3 1.3 The
More information(Talk about years of experience Premera has and the years of training and experience we have as Medicare Representatives.)
Facilitator: Thank you for joining us! We are going to be together for about 45 minutes this morning / afternoon. During that time I m going to give you an overview of Medicare so you have a better understanding
More informationGroup Master Policy Funeral Benefit Benefits provided to Edgars Club VIP Mmebers
Page 1 of 21 Group Master Policy Funeral Benefit Benefits provided to Edgars Club VIP Mmebers Policy Number: 01/HAD/EDC/VIP/9/2012 Effective from: 1 October 2012 Underwritten by: Life Assurance Company
More informationPayments for spouses, partners and children
Payments for spouses, partners and children Protecting People s Futures Register on our FAS member website We ve developed a secure website for the exclusive use of our members. Please register as soon
More informationyourmoney a guide to managing your credit and debt Volume 6 Life After Debt
yourmoney a guide to managing your credit and debt Volume 6 Life After Debt Call InCharge Debt Solutions today at 1-877-544-9126 or contact us at www.incharge.org Life After Debt You can do it. A life
More informationStakeholder Pension. The simple way to start a pension plan. Retirement Investments Insurance Health
Stakeholder Pension The simple way to start a pension plan Retirement Investments Insurance Health Introduction Any decision you make about investing for your future retirement needs careful consideration
More informationLV= Flexible Guarantee Bond Series 3. Bond Conditions
LV= Flexible Guarantee Bond Series 3 Bond Conditions LV= Flexible Guarantee Bond Series 3 Bond Conditions Welcome to LV=, and to our Flexible Guarantee Bond Series 3 These Bond Conditions, together with
More informationCare home fees and your property
Care home fees and your property This factsheet explains whether you will need to sell your property to pay care fees if you move into a care home permanently. It outlines alternatives such as deferred
More informationYour Guide to Life Insurance for Families
Your Guide to Life Insurance for Families (800) 827-9990 HealthMarkets.com Your Guide to Life Insurance for Families Contents Does My Family Need Life Insurance? 4 Types of Life Insurance for Families
More informationTOP 7 QUESTIONS PEOPLE ASK WHEN INVOLVED IN A TRUCK ACCIDENT
TOP 7 QUESTIONS PEOPLE ASK WHEN INVOLVED IN A TRUCK ACCIDENT (888) 839-5444 18wheeler-accident-lawyers.com Houston Office: 2700 Post Oak Blvd. Ste 1120 Houston, Texas 77056 TOP 7 QUESTIONS PEOPLE ASK WHEN
More informationCOMPENSATION SYSTEM IN SRI LANKA
CHAPTER 4: COMPENSATION SYSTEM IN SRI LANKA The procedure involve in post accident process in Sri Lanka is filing action in magistrate court by the police if the accident is not settle between parties.
More informationNationwide YourLife Guaranteed Level Term. Client guide. Making it easier to protect what matters most in life.
Nationwide YourLife Guaranteed Level Term Client guide Making it easier to protect what matters most in life. Nationwide YourLife Guaranteed Level Term Life s complicated. Protecting it shouldn t be.
More informationExpanded Family Plan with Probate and Legal Shield $28.95/Month (+$10.00 enrollment fee charged with the first month membership fee)
Expanded Family Plan with Probate and Legal Shield $28.95/Month (+$10.00 enrollment fee charged with the first month membership fee) Preventive Legal Services Phone Consultations on Unlimited Matters As
More informationMaking difficult times a little easier. A guide for executors and administrators
Making difficult times a little easier A guide for executors and administrators Making difficult times a little easier A guide for executors and administrators Losing someone close to you can be a very
More informationLife and protection insurance explained
illness Life and protection explained A guide to personal and family protection This guide explains the types of life and protection available and how they can offer you valuable peace of mind. If you
More informationUSaver. USaver Reach. USaver SMSF. UHomeLoan. Features. 1. Save money. 2. Save time. 3. Save worry
U BANK UBank information 13.10.2017 U BANK ubank.com.au 13 30 80 Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Lee Hatton, CEO, UBank UBank is all
More informationOver 50s Life Cover Policy Summary and Plan Conditions. Document Reference ASDAGWOL3. Provided by
Over 50s Life Cover Policy Summary and Plan Conditions Document Reference ASDAGWOL3 Provided by ASDA Over 50s Life Cover Policy Summary In this summary, we try to help you by giving you the key facts of
More informationLove is. Shoes. Shoes. Shoes. And knowing you re covered with Credit Card Repayment Protection. Product Disclosure Statement and policy wording.
Love is. Shoes. Shoes. Shoes. And knowing you re covered with Credit Card Repayment Protection. Product Disclosure Statement and policy wording. Effective 1 December 2011. Love is. Knowing you re insured.
More informationCare home fees and your property
Care home fees and your property This factsheet explains whether you will need to sell your property to pay care home fees, and outlines alternatives such as deferred payment agreements with your council.
More informationFuneral Plan Guide. This document will help you understand the finer details of your Discovery Life Funeral Plan
Funeral Plan Guide This document will help you understand the finer details of your Discovery Life Funeral Plan THE DISCOVERY LIFE FUNERAL PLAN 1. INTRODUCTION 1.1 The Discovery Life Funeral Plan aims
More informationLEGAL SERVICE BENEFIT CONTRACT
LEGAL SERVICE BENEFIT CONTRACT This is a contract by and between Firearms Legal Protection, LLC, a Texas Limited Liability Company (also referred to as "FLP ; our ; we ; or us") and the Primary Member,,
More informationWe believe there s a better way to do life insurance
FMI Individual We believe there s a better way to do life insurance FMI Individual is the only product in the market that includes a suite of income benefits to replace 100% of your income in the Life
More informationUnderstanding pensions. A guide for people living with a terminal illness and their families
Understanding pensions A guide for people living with a terminal illness and their families 2015-16 Introduction Some people find that they want to access their pension savings early when they re ill.
More informationEnergyAustralia Market Retail Contract. Terms and Conditions
EnergyAustralia Market Retail Contract Terms and Conditions Published February 2016 2 CONTENTS PART 1: Market Retail Contract Terms and Conditions 4 Preamble 4 1. The parties 4 2. Definitions and interpretation
More informationWelcome to NEST. All the key information you need about being a member of NEST
Welcome to NEST All the key information you need about being a member of NEST 2 Please write your NEST ID here: You ll find this number on the welcome letter we sent when you joined NEST. Welcome to NEST
More informationLife and protection insurance explained
protection? illness Life and protection explained A guide to personal and family protection This guide explains the types of life and protection available and how they can offer you valuable peace of mind.
More informationAll about Deductibles
Claims All about Deductibles We ll explain your coverage clearly Your portion/ our portion Controlling costs and premiums Reduced deductibles/ no deductibles November 2010 What is a deductible? A deductible
More informationTABLE OF CONTENTS. 1 Introduction 2 Choosing small claims 4 Going to court 6 Litigation funding 7 Your privacy 8 Further resources
SMALL CLAIMS GUIDE Disclaimer: this Guide is meant to be legal information and not legal advice. Users should not rely on this information but should rather seek independent legal advice regarding their
More informationTRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM
THE CARLSON LAW FIRM TRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM 01 WHAT WE KNOW We hear it all the time, you don t need to hire an attorney after a car crash or I didn
More informationWelcome to NEST. All the key information you need about being a member of NEST
Welcome to NEST All the key information you need about being a member of NEST 2 Please write your NEST ID here: You ll find this number on the welcome letter we sent when you joined NEST. Welcome to NEST
More informationCredit Card Repayment Protection.
Credit Card Repayment Protection. Product Disclosure Statement and policy wording. Effective 27 November 2017. Introducing Credit Card Repayment Protection. What is it? Credit Card Repayment Protection
More informationFREE Parent Life Cover
Free Life Cover FREE Parent Life Cover A helping hand to protect your family Free Parent Life Cover Aim Cost of cover Time period Jargonfree To kick start protecting your family by giving each parent 25,000
More informationCONTINUATION OF HEALTH CARE BENEFITS. Summary of Continued Health Care Benefits and other Health Coverage Alternatives
CONTINUATION OF HEALTH CARE BENEFITS Summary of Continued Health Care Benefits and other Health Coverage Alternatives Date: Dear: This notice has important information about continuing your health care
More informationMortgage & lifestyle protection. Policy Summary
Mortgage & lifestyle protection Policy Summary Mortgage & Lifestyle Protection Policy Summary In this summary, we try to help you by giving you the key facts of the plan. It doesn t set out the full terms
More informationPLANNING YOUR ESTATE
PLANNING YOUR ESTATE Helping Your Family Find Important Documents A guide by safelyfiled It s not easy planning your own estate. It reminds you of your mortality. Yet, making sure that your surviving family
More informationVictims Guide to the Defense Base Act: Your Next Steps
Introduction In many labor intensive industries, injuries on the job can be common and most often are handled with worker s compensation. However, working outside of the United States on a United States
More informationMANAGING YOUR BUSINESS S CASH FLOW. Managing Your Business s Cash Flow. David Oetken, MBA CPM
MANAGING YOUR BUSINESS S CASH FLOW Managing Your Business s Cash Flow David Oetken, MBA CPM 1 2 Being a successful entrepreneur takes a unique mix of skills and practices. You need to generate exciting
More informationPlanning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts
Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.
More informationEstate P LANNER. the. Roll with it Keep wealth in the family using rolling GRATs
the Estate P LANNER May/June 2006 Roll with it Keep wealth in the family using rolling GRATs Administrative checklist for after a family member passes away Tips for tax-wise charitable giving Too much
More informationHome Mortgage Foreclosures in Maine
Home Mortgage Foreclosures in Maine Find more easy-to-read legal information at www.ptla.org Important Note: This is very general information about home mortgage and foreclosure rules in Maine. It is not
More informationPENSIONS INVESTMENTS LIFE INSURANCE FREE LIFE INSURANCE A HELPING HAND TO PROTECT YOUR LOVED-ONES
PENSIONS INVESTMENTS LIFE INSURANCE FREE LIFE INSURANCE A HELPING HAND TO PROTECT YOUR LOVED-ONES FREE LIFE INSURANCE Aim To give you a head start with your life insurance needs. Cost of cover Absolutely
More informationInsurance Life Insurance
Insurance Life Insurance Product Disclosure Statement and Policy The information provided in this PDS is general information only and does not take into account your individual objectives, financial situations
More informationYour guide to making a Will
Your guide to making a Will 0345 373 3737 Contents 1/ Welcome 2/ What is a Will? 3/ Will Writing Tips 4/ Updating an Existing Will 5/ Types of Wills 6/ Premier Client Club 7/ Everyday Legal 8/ Your Notes
More informationModel COBRA Continuation Coverage Election Notice Instructions
Model COBRA Continuation Coverage Election Notice Instructions The Department of Labor has developed a model Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) continuation coverage election
More informationThe family conversation you should not avoid: How to discuss your legacy
The family conversation you should not avoid: How to discuss your legacy The BMO Wealth Institute provides insights and strategies around wealth planning and financial decisions to better prepare you for
More informationValuable Secrets to Defending Debt Collection Lawsuits
Valuable Secrets to Defending Debt Collection Lawsuits Creditors will aggressively pursue you. The Terry Law Firm will aggressively defend you. IF YOU HAVE BEEN SUED BY A DEBT COLLECTOR, YOU CAN WIN! David
More informationMoney when it matters most
INSURANCE IN YOUR SUPER Money when it matters most Effective 30 March 2019 Contents Page Why you need cover 5 Cover you get when you join 7 Basic cover 8 When cover starts 8 Are you under 25? 11 Changing
More informationOLD MUTUAL SUPERFUND PRESERVER
OLD MUTUAL SUPERFUND PRESERVER MEMBER GUIDE BEING A PRESERVER MEMBER SHOWS YOUR COMMITMENT TO YOUR FINANCIAL FUTURE! Preserver allows you to continue your Old Mutual SuperFund Membership, even though you
More informationMOTOR INSURANCE (TRANSLATION ONLY) GENERAL CONDITIONS
MOTOR INSURANCE (TRANSLATION ONLY) GENERAL CONDITIONS Subject to coverage, conditions and exclusions of this policy and endorsements attached to this policy, the Company agrees with the Insured as follows:
More informationChoosing a Medigap Policy: A Guide to Health Insurance for People with Medicare
CENTERS FOR MEDICARE & MEDICAID SERVICES 2014 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about: Medicare Supplement
More informationEMPLOYER S GUIDE TO THE MASSACHUSETTS WORKERS COMPENSATION SYSTEM
Commonwealth of Massachusetts Department of Industrial Accidents 600 Washington Street, 7 th Floor Boston, MA 02111 EMPLOYER S GUIDE TO THE MASSACHUSETTS WORKERS COMPENSATION SYSTEM Commonwealth of Massachusetts
More informationNovated Lease Protection Insurance. Policy and Product Disclosure Statement
Novated Lease Protection Insurance Policy and Product Disclosure Statement Preparation date: 1 st January 2017 Effective date: 21 st January 2017 Contents Introduction... 3 Your Product Disclosure Statement...
More informationTerms and Conditions for Current, Demand Deposit and Masterplan Accounts
Terms and Conditions for Current, Demand Deposit and Masterplan Accounts This document contains important information. Please read carefully and retain for future reference. January 2018 2 Current, Demand
More informationWhat is Buying on Credit? What Kinds of Things Are Usually Bought on Credit? What is the Difference Between Open-End Credit and Closed-End Credit?
buying on credit What is Buying on Credit? When you buy on credit, you pay extra for the privilege of spreading your payments out over a period of time. What Kinds of Things Are Usually Bought on Credit?
More informationOnline Personal Demand Deposit Account Terms and Conditions
Online Personal Demand Deposit Account Terms and Conditions 1. Your Agreement 1.1 These terms and conditions are additional to the terms and conditions for our Current, Demand Deposit and Masterplan Accounts
More informationYour Guide to Reduced No Fault Injury Coverage
Your Guide to Reduced No Fault Injury Coverage 2018 basic auto insurance How this guide can help you If you have been injured in a motorcycle collision, this guide will help you through the process as
More informationKey Features of Mortgage. Protection
Key Features of Mortgage & Lifestyle Protection The Financial Services Authority is the independent financial services regulator. It requires us, LV=, to give you this important information to help you
More informationA guide to estate settlement
After the loss of a loved one A guide to estate settlement Investment and Insurance Products: u NOT FDIC Insured u NO Bank Guarantee u MAY Lose Value We re here to help The loss of a loved one can be
More informationCare home fees and your property
Care home fees and your property This factsheet explains whether you will need to sell your property to pay care home fees, and outlines alternatives such as deferred payment agreements with your council.
More informationLiability Claim Procedures
INFORMATION MEMO Liability Claim Procedures Understand why LMCIT may deny a liability claim and the consent to settle provisions of the LMCIT liability coverage. RELEVANT LINKS: I. When LMCIT denies a
More informationTHE NEW WAY TO CARRY CURRENCY USER GUIDE
THE NEW WAY TO CARRY CURRENCY USER GUIDE Find out how to; USE YOUR CARD OVERSEAS MANAGE YOUR BUDGET RELOAD YOUR CARD AND MUCH MORE... Welcome to your new The Cash Passport is a traveller s card, issued
More informationNominating your beneficiary lets you have your say about who receives your super when you pass away.
NOMINATING YOUR BENEFICIARIES FACT SHEET Place Nominating title of your IBR goes beneficiaries here. Nominating your beneficiary lets you have your say about who receives your super when you pass away.
More informationCall: or Visit us at: LaughlinUSA.com
Welcome We wanted to give our thanks in advance to the readers of this whitepaper who are moved to comment, share, blog or generally discuss the contents herein. We encourage you to reach out and share
More informationInsight on estate planning
Insight on estate planning august.september.2007 What to do with the collectibles? Incorporate them into your estate plan Trusting your heirs The ins and outs of an inheritor s trust All in the family
More informationAdministration guide
Administration guide for Sun Life Financial-administered group plans Use this guide if Sun Life Financial administers your plan members records and prepares your billing statements. Our guides are stored
More informationLegal Costs and Advice Insurance Policy
Legal Costs and Advice Insurance Policy underwritten by Reg. No 1952/001514/06 1 WELCOME TO LEGAL DEFENDER Welcome to the Legal Defender family. As a valuable client of Legal Defender we look forward to
More informationGuide to. buying an annuity
Guide to buying an annuity 2 Guide to buying an annuity Welcome to our guide to buying an annuity You now have more flexibility than ever before when it comes to using your pension savings. Of course all
More informationChoosing a Medigap Policy:
C E N T E R S F O R M E D I C A R E & M E D I C A I D S E R V I C E S 2016 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information
More informationYOUR GUIDE TO PENNSYLVANIA WORKERS COMPENSATION. We re YOUR Workers Compensation Lawyers
YOUR GUIDE TO PENNSYLVANIA WORKERS COMPENSATION We re YOUR Workers Compensation Lawyers Table of Contents A Message From Attorney Edgar Snyder 1 Eligibility for Workers Compensation 3 Types of Workers
More informationDO YOU OWE FINES AND COSTS TO A COURT OF COMMON PLEAS?
DO YOU OWE FINES AND COSTS TO A COURT OF COMMON PLEAS? If a Court of Common Pleas found you guilty of a criminal offense (or guilty if you appealed a summary case from a district court), you owe money
More informationEarly Delinquency Intervention: Saving Your Home From Foreclosure
Early Delinquency Intervention: Saving Your Home From Foreclosure There are many circumstances in a homeowner s life that could result in missed mortgage payments: unexpected expenses, loss of overtime,
More informationPENSION INCOME PLUS ANNUITY. Policy Conditions
PENSION INCOME PLUS ANNUITY Policy Conditions Pension Income Plus Annuity Policy Conditions Welcome to LV=, and thank you for choosing our Pension Income Plus Annuity. These policy conditions, together
More informationYou always get something out.
SURANCE You always get something out. funeral plan policy SURANCE Welcome to the OUTsurance Life family. This document and your schedule is the contract between you and us. Please note that throughout
More informationHome Mortgage Foreclosures in Maine
Home Mortgage Foreclosures in Maine Find more easy-to-read legal information at www.ptla.org Important Note: This is very general information about home mortgage and foreclosure rules in Maine. It is not
More informationDo the right thing see your lawyer first
Do the right thing see your lawyer first The information in this guide has been published by the New Zealand Law Society. Our objective is to inform you of your legal rights, the law, and how lawyers can
More information