Key features of Over 50 s Life Assurance
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1 Page 1 of 6 Key features of Over 50 s Life Assurance Over 50 s Life Assurance provided by Aviva Santander UK plc sells Aviva Over 50 s Life Assurance TEMP LITR 0011 NOV 10 T
2 Insurance Key Features Page 2 of 6 Over 50 s Life Assurance is provided by Aviva and brought to you in association with Santander, who sell Aviva life insurance products, which include the Over 50 s Life Assurance policy. Any references to we, us, or our refer to Aviva unless stated otherwise. What to do next Please ensure you read the key features document for further information. If you re not sure whether this product is suitable for you, your Santander adviser will be happy to help you with any questions. Key features The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information to help you to decide whether our Over 50 s Life Assurance policy is right for you. You should read this document carefully so that you understand what you are buying, and then keep it safe for future reference. Its aims n To provide a lump sum when you die. Your commitment n To pay regular premiums for a set number of years, or until you die, if earlier. n The number of years you pay premiums for is known as the premium term. You ll either pay premiums for a maximum of 30 years or until the policy anniversary after your 90th birthday, whichever comes first. n To answer the questions on your application correctly to the best of your knowledge. Risks n If you don t pay your premiums during the premium term, your policy and your cover will end 30 days after your last payment was due and you won t get any money back. n If you decide to end your policy, you won t get any money back as the policy has no cash-in value. n The lump sum we pay is fixed, so inflation will reduce what it can buy in the future. You should review your cover to ensure that it remains adequate over time. n Depending on how long you have the policy for, the amount we pay out on your death may be less than the total amount you ve paid in. n If you die in the first year and your death isn t caused by an accident, we won t pay the guaranteed lump sum. Instead, we ll pay an amount equal to the premiums paid.
3 Business Area Descriptor Page 3 of 6 Questions and answers What is Over 50 s Life Assurance? It s a whole of life policy which pays out a guaranteed lump sum when you die. When will the policy not pay out? n We don t get the documents or evidence we need when there s a claim. If you die from: An accident in the first year on or after the first year anniversary Other causes in the first year on or after the first year anniversary We ll pay: the guaranteed lump sum double the guaranteed lump sum an amount equal to the premiums paid the guaranteed lump sum n You gave us incorrect information on your application, if this affects the cover we provide. We won t pay the additional accidental death benefit if: n The accident is the result of: You taking part in criminal activity Self-inflicted injury, suicide, alcohol or drug misuse Flying, except as a passenger in a commercially licensed aircraft This cover is for you and no-one else. You should review your cover to ensure that it remains adequate over time. How flexible is the policy? This policy isn t designed to be flexible. You can t change your policy once it s started. When will the policy pay out? n When you die. You taking part in certain hazardous pursuits. We also won t pay if you re living outside the European Union, Andorra, the Channel Islands, the Faroe Islands, Gibraltar, the Isle of Man, Liechtenstein, Norway, Monaco, San Marino, Switzerland, Vatican City, USA, Canada, Australia or New Zealand. On or after the first anniversary we will pay the guaranteed lump sum, but not the additional accidental death benefit in the circumstances above. Before the end of the first year we will pay an amount equal to the premiums paid, but not the full guaranteed lump sum in the circumstances above.
4 Insurance Key Features Page 4 of 6 What will my premiums be? n Your illustration gives you an idea of how much you ll need to pay for the amount of life cover you ve chosen. n You can choose either the premium you want to pay or the lump sum paid on death, when you take out your policy. n Your premiums are based on the cover you choose and your personal circumstances. n You pay your premiums monthly by Direct Debit. Can my premiums change in the future? n No, your premiums will always stay the same. Can I have more than one policy? n Yes, you can have more than one policy. But the total of the monthly premium paid by you across all Aviva Over 50 s Life Assurance policies, taken out with Santander, cannot exceed 100 per month. What about tax? n The lump sum we pay out on death is currently free from income and capital gains tax. n It may be subject to inheritance tax unless you put your policy in a suitable trust. If you need more information on trusts, please ask your Santander adviser for further details. n Tax rules may change in the future. Can I change my mind? n You can change your mind within 30 days from the later of: The start date. The day you receive your policy schedule. n If you decide you don t want the policy, we ll give you your money back if you change your mind within 30 days. n You ll be sent a cancellation notice which will include a phone number that you can call and an address you can send it to if you change your mind about your policy. Alternatively, you can contact us at the Aviva address given overleaf. n Your policy will continue if we don t receive your cancellation notice within 30 days. n If you cancel your policy after 30 days you won t get any premiums back.
5 Business Area Descriptor Page 5 of 6 How to contact us To speak to someone about your policy Your first point of contact will be your Santander adviser. However, if you want to get in touch with us you can call, or write: Monday to Friday 8.00am to 8.00pm, Saturday 8.30am to 5.00pm and Sunday 10.00am to 4.00pm. Outside of these hours, you can use the same number and leave us a message. We monitor calls to improve our service. santander@aviva.com Aviva PO Box 520 Norwich NR1 3WG To make a claim Call our Life Claims Department on: Alternatively, we can be contacted on: Outside of the UK, the number would be: To make a complaint If your complaint is about a claim, the service or administration of your policy, you can contact us at: Or from outside the UK on: Alternatively you can or write: Santander@aviva.com If your complaint is about how your policy was sold, then contact Santander: Monday to Friday 8.00am to 8.00pm and Saturday 9.00am to 4.00pm. Or from outside the UK on: Text relay: Alternatively you can contact Santander online through the Complaints section of their website: or via secure messaging if you have online banking. Or write to Santander at: Complaints Santander UK plc PO Box 1125 Bradford BD1 9PG If you re not satisfied with the response from Santander or Aviva, you may be able to take your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service can look at most complaints and is free to use. You do not have to accept their decision and will still have the right to take legal action. Their contact details are: The Financial Ombudsman Service Exchange Tower London E14 9SR or complaint.info@financial-ombudsman.org.uk Aviva Customer Relations PO Box 3182 Norwich NR1 3XE
6 Insurance Key Features Page 6 of 6 Other important information Terms and conditions This key features document only gives a summary of Over 50 s Life Assurance. You should also read the policy terms and conditions. You can get a copy from your adviser or we can send you one. Law The law of England will apply in legal disputes and your contract will be written in English. We ll always write and speak to you in English. We re regulated by the Financial Conduct Authority: The Financial Conduct Authority 25 The North Colonnade Canary Wharf London E14 5HS We re also regulated by the Prudential Regulation Authority: The Prudential Regulation Authority 20 Moorgate London EC2R 6DA Potential conflicts of interest There may be times when Aviva plc group companies or our appointed officers have some form of interest in the business being transacted. Client classification The Financial Conduct Authority has defined three categories of customer. You ve been classed as a retail client, which means that you ll be provided with the highest level of protection provided by the Financial Conduct Authority rules and guidance. Compensation Financial Services Compensation Scheme (FSCS) The policy is covered by the FSCS. You may be entitled to compensation from the scheme if Aviva becomes insolvent and we can t meet our obligations under this policy. The scheme may cover you for 100% of the total amount of your claim. This depends on the type of business and the circumstances of the claim. You can get more details directly from the FSCS online at or by contacting them at: Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU or If this happens or we become aware that our interests, or those of our officers, conflict with your interests, we ll take all reasonable steps to manage that conflict of interest. We ll do this in a way that treats all customers fairly and in line with proper standards of business. Braille, large font, audio material You can order our literature in Braille, large font or audio. Just call or helpdesk@aviva.com and tell us: n the format you want n your name and address n the name or code of the document. The code is usually at the bottom of the page on the back of most documents The Customer Call Centre is open Monday to Friday 8.30am to 5.30pm, and Saturday from 8.30am to 2pm. Santander Life Insurance, Life & Critical Illness Insurance, Income Protection Insurance and Over 50 s Life Assurance policies are administered and underwritten by Aviva Life & Pensions UK Limited. Registered in England No 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 Member of the Association of British Insurers. RINS 0519 AUG 17 H / SD /2017 Santander UK plc. Registered Office: 2 Triton Square, Regent s Place, London, NW1 3AN, United Kingdom. Registered Number Registered in England and Wales. Telephone Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is You can check this on the Financial Services Register by visiting the FCA s website Santander and the flame logo are registered trademarks. This item can be recycled.
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