Income Protection Solutions
Policy Wording
Contents
3
Benefits
5
Benefit Terms
9
Conditions
13
Further Information
Welcome to Aviva
This booklet tells you all you need to know about your policy, including:
•
what to do if you need to claim
•
what’s covered, and
•
explanations of some of the terms used in this document.
If you do need to make a claim, this information will be useful, so
please keep this booklet somewhere safe.
We’ve tried to make this booklet as easy to understand as possible,
but if you have any questions or queries about your policy please
call us on 0800 158 3119 and we will be pleased to help you. If you
are deaf or hard of hearing and have a textphone, you may call us
free of charge via BT Typetalk on 18001 0800 1583 119.
You’ll see some words shown in
bold
type. These are defined
terms and have specific meanings when used in this document.
The meanings of these words are shown in the definitions section
at the back.
Benefits
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Benefits
available under this
policy
are set out in the table, and in the
event of a claim are payable to the
policyholder
.
It’s important to read the information in this table alongside the definitions,
benefit terms, conditions, exclusions and other documents forming the
policy
.
Benefits Amount payable / limits
Full benefit
We will pay full benefit if, immediately before the start of
incapacity you were not unemployed and after the start of
incapacityyou are not following any other occupation and the
deferredperiod has finished.
This will be the amount stated in your policy schedule, subject to the maximum annual amount payable.
Restricted benefit
We will pay restricted benefit if, immediately before incapacity,
you were unemployed and after the start of incapacityyou are not following any other occupation, and the deferred period has finished.
This will be the amount stated in your policy schedule.
We will pay benefit for a maximum of 12 months. After you have received benefit for a total maximum of 12 months your policy will end.
Back to work benefit
We will pay back to work benefit if, before incapacity, you were not unemployed and:
l you now follow a different occupation because of your incapacity; or
l you return to your occupation but the illness or injury that caused incapacity restricts the scope of your duties, and l in either case, your earnings are reduced.
To calculate the back to work benefit, we will:
l work out the percentage your earnings have reduced by, and
l pay you that percentage of the full benefit.
For example if your earnings are reduced by 70% you
will receive 70% of the full benefit.
If you are claiming because the illness or injury that caused incapacity restricts the scope of your duties,
yourincapacity must:
l last at least seven consecutive days, and
l restrict the scope of your duties for the remainder of the deferred period.
Hospital benefit
We will pay hospital benefit if, during your deferred period, you
have spent at least seven consecutive nights as a patient in hospital because of your incapacity.
We will pay you £75 per night for each night you spend in hospital, up to a maximum of 90 nights.
The nightly amount of £75 applies as a total limit to this and any other policies in place with us, for example, private medical insurance or a cash plan.
Benefits Amount payable / limits
Death benefit
We will pay death benefit if:
l you die due to the condition for which benefit is being paid; and
l your death happens within 12 months of your first monthly
benefit being due.
A single payment of up to 12 times the last monthly
benefit paid, less any benefit already paid.
Retirement benefit
We will pay retirement benefit if:
l you have received monthly benefit for incapacity for 12 consecutive months; and
l we stop paying benefit because you have reached your policy
termination age.
A single payment of three times the last monthly
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Benefit Terms
1 Entitlement to benefit
l We will pay benefit for incapacity after the deferred period has finished.
l We will pay benefit for incapacity monthly in arrears or when your incapacity ends if earlier. We will pay a daily
benefit amount for any periods of incapacity which last less than one month.
2 When payment of benefit stops
We will pay full benefit, restricted benefit or back to work benefit until:
l your incapacity ends or in the case of back to work benefit,
you no longer satisfy the requirements for payment of
benefit; or
l you reach the policy termination age; or
l you reach the end of a limited payment term; or
l you reach the end of the restricted benefit payment term, or l you are remanded in custody (the benefit will be retrospectively
paid if you are not convicted of the offence) or receive a custodial sentence; or
l you die,
whichever happens first.
3 Maximum annual amount payable
a. The maximum amount of benefit we will pay is: l 60% of your earnings up to the first £25,000; plus l 50% of your earnings above £25,000,
up to a maximum annual amount of £180,000 unless changes due to the index linking option take benefits above this amount. If you are entitled to any income from other sources, we will deduct these amounts from the maximum annual amount payable. Where any of this income is taxable, we will reduce the gross amount by 20% for the purpose of this calculation. Income from other sources includes:
l continuing income from a business (including dividends) l continuing income from an employer (including benefits in kind) l income from a pension which is first paid after incapacity
l any income you receive because of your illness or injury (not including State Benefit)
l regular income under other insurance policies (except waiver of premium), whether held with us or not, for example; – Income Protection / Permanent Health Insurance – Mortgage Payment Protection
– Credit card protection – Loan protection
b. If we do reduce your benefit because it exceeds the maximum annual amount payable, we will not refund any premiums.
4 Waiver of premium
Whilst we are paying you benefit for incapacity, we will not charge you a premium.
5 Index-linking
If the policyholder has chosen the index-linking option, we will review the benefit at the anniversary date in line with the retail price index published three months before the anniversary date. The policyholder will pay a revised premium for any increase in
benefit which we will calculate based on whichever option they have chosen, either the:
l guaranteed option; the premium rates which applied at the
start date of the policy using your age next birthday on the
anniversary date; or
l reviewable option; our current premium rates for your age next birthday on the anniversary date.
Example:
Mr Smith earns £25,000 per year. He is covered for £1,250 per month after a 13 week deferred period.
In the event of long term sickness, his employer pays him full pay for 13 weeks. After 13 weeks he receives half his normal pay for the next 13 weeks (£1,042). This will be Mr Smith’s only continuing income during sickness. We will reduce the gross amount of £1,042 by 20% as it is subject to tax. So, we will take into account £834.
We then take his maximum monthly benefit of £1,250 and deduct £834, to give him a maximum monthly benefit of £416.
After 26 weeks Mr Smith’s employer stops paying him, so we will pay him the full monthly benefit amount of £1,250.
6 Sick Pay Solutions – for NHS Doctors
and Surgeons
If you are a Doctor or Surgeon employed directly by the National Health Service (NHS) in the United Kingdom and registered with the General Medical Council, and at the date of incapacity:
l You have been employed in that role for less than five years, and;
l Your policy has been in force for less than five years, and; l You have a single deferred period of 26 or 52 weeks or a
dual deferred period of 26 and 52 weeks, and;
l Your sick pay entitlement from the NHS is less than full pay for six months followed by half pay for six months.
We will reduce the deferred period, subject to a minimum of 4 weeks, for benefit payable in respect of your work with the NHS, taking into account your sick pay entitlement from the NHS when your incapacity starts.
Sick Pay Solutions DOES NOT apply for:
l Income you receive from private practice; and
l Any benefit you are eligible for under Aviva’s ‘Temporary Accident Cover’.
‘Benefit term’ 3 – ‘Maximum annual amount payable’ will apply and will determine the date and amount of benefit payable.
Example:
Dr Smith earns £40,000 per year as an NHS Doctor. He is covered for £541 per month after a 26 week deferred period, plus an additional £1,334 per month after a 52 week deferred period.
Dr Smith has been working as an NHS Doctor for 2.5 years when he is incapacitated and submits a valid claim. In the event of long term sickness, after 2.5 years the NHS pays him full pay for 2 months, followed by half pay for 2 months and after 4 months the NHS stops paying him.
Dr Smith would receive benefit from us of £541 per month after a 2 month deferred period, and after 4 months we will pay him the full monthly benefit amount of £1,875.
7 Medical supervision
We will only pay benefit if you are under the regular supervision and treatment of a medical practitioner for your incapacity. If your incapacity is in relation to drug or alcohol addiction you
must also be following an agreed rehabilitation treatment plan/ programme prescribed by a medical practitioner.
Week 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 Week Illness 3 7 3 Illness Working
As only 18 weeks have passed, and Mr Smith has been off sick for 13 whole weeks with the same illness, he will now be able to claim.
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8 Back to work benefit
When we work out the percentage your earnings have reduced by, we will take into account any change in the retail price index
between the start of incapacity and the date when back to work benefit becomes payable.
We will not reduce back to work benefit due to increases in
earnings during the period in which we are paying benefit, provided those increases are not higher than the change in the
retail price index.
Where we refer to the retail price index, this means the retail price index as published three months before the anniversary date.
9 Linked claims
We will not re-apply the deferred period where: l you have received benefit; and
l you suffer from the same cause of incapacity within 12 months of your last monthly benefit.
10 Linked periods of incapacity
We will link periods of incapacity if you have a deferred period of 13 weeks or more.
Separate periods of incapacity (from the same cause) may be linked provided that:
l each period of incapacity lasts at least one whole week (7 consecutive days); and
l the deferred period is completed within a period of time twice its length (deferred period x 2).
Periods of incapacity which last for less than one whole week (7 consecutive days) cannot be combined for the purposes of completing the deferred period.
Example:
Mr Smith has a policy with a 13 week deferred period. If he suffers the same illness for a combined total of 13 whole weeks within a 26 week period (deferred period x 2) he will be able to claim.
Scenario:
He suffers from an illness which leaves him off work for three whole weeks. He returns to work but suffers from the same illness four weeks later, this time for a period of seven whole weeks. He returns to work again for one week and is unfortunately then off sick again with the same illness for a further three whole weeks.
11 Extra cover at life events
(guaranteed insurability)
At certain life events, the policyholder can buy extra cover to better suit your circumstances. This extra cover will not be subject to medical underwriting, minimum levels of premium, or policy charges.
The policyholder cannot buy extra cover if you have been subject to incapacity after the start date, unless:
l the incapacity did not result in us paying benefit; and l the incapacity ended at least three months before the date
on which the policyholder wishes to buy extra cover. The policyholder can buy extra cover if:
l you have been accepted on standard terms (with no additional premiums or exclusions); and
l you have been covered by the policy for at least 12 months; and l you are not within five years of the policy termination age.
Extra cover must start within 90 days of one of the events shown in the table:
Event Benefit Limit
l You increase your share of the mortgage payment, due to; – a home move or improvement – a mortgage discount period ending,
or
– becoming sole owner of the property following the termination of your
marriage or civil partnership
Up to the level of the increase in payment
l You get married or form a civil partnership
Up to £250 per month
l You become a parent Up to £250 per
month l You receive a significant salary
increase (at least 20%) as a direct and immediate result of obtaining a professional qualification
Up to £500 per month
There are some conditions which we apply to extra cover. These are:
l Extra cover cannot include a deferred period that is shorter than your original deferred period
l The policy termination age is subject to the maximum policy
termination agewe will allow for your occupation at the time the policyholder buys extra cover, and can be no more than 5 years higher than your original termination age
l We will cancel any extra cover if your policy ends for any reason other than reaching the policy termination age
l The combined total monthly benefit, including extra cover, must not be more than the ‘maximum annual amount payable’. To buy extra cover the policyholder must contact us and give us
the information we need. This would include either: – a copy of the confirmation letter from the lender
confirming the new mortgage arrangements, or – the marriage or civil partnership certificate, or
– the child’s birth certificate, or if the child is adopted a copy of the adoption papers, or
– a copy of the exam results and a copy of the pay rise letter from the employer
12 Career break
If you take a career break and you submit a claim for incapacity,
payment of benefit will be under Restricted Benefit. Please refer to ‘Benefits’ on Page 3.
13 Overseas residence
If you live in or travel within:
– European Union – USA – Canada
– New Zealand – Australia but outside:
– United Kingdom – Channel Islands – Isle of Man
we will limit benefit payments to a maximum combined total of three years throughout the period of incapacity.
If you live in or travel to any part of the world, other than:
– European Union – USA – United Kingdom
– Canada – Channel Islands – New Zealand – Isle of Man – Australia
we will limit benefit payments to a maximum combined total of six months throughout the period of incapacity.
If you return to living within the United Kingdom, Channel Islands or Isle of Man and you still satisfy the definition of
incapacity, we will calculate the amount of benefit payable to you in accordance with the terms of this policy. We will not backdate the payment of any benefit that we did not pay whilst you were living outside the United Kingdom, Channel Islands or Isle of Man.
1 Compliance with policy terms
Our liability under this policy will rely upon you and the
policyholder complying with its terms and conditions.
2 Change of termination age
The policyholder must tell us if you plan to retire before the policy termination age. If you do retire before the policy
termination age, we can either lower the termination age or cancel this policy.
If we lower the termination age we will reduce the premium. If we cancel the policy, we will give the policyholder 30 days notice sent to their last known address.
3 Change of circumstances
a. We have used the answers to the questions we asked as part of the application to determine your insured amount and any special terms which may apply to your policy (e.g. exclusions, loading etc). If an answer to any of these questions changes before the date on which your cover begins (as notified to you) you must tell us before the policy commences. If, based on the new answer, our original decision to offer cover (or the insured amount or any special terms applied) would have been different we shall have the right to change the terms of our offer to those we would have offered based upon the new information. If we would not have offered cover we may withdraw cover. b. The policyholder should review your insured amount with
your financial adviser if: l you become unemployed,
l your earnings reduce,
l you reduce your working hours or choose to stop working, l you take out any other insurance for illness or injury, or l your continuing income from an employer or
business changes.
c. If your cover is not reviewed due to any of these changes,
we will not backdate any refunds if you choose to reduce
your cover at a later date.
4 Premiums
a. The premium payable and the date it is due are shown in the financial statement.
b. We can only change the premium rate: l at an anniversary date,
l following a change of termination age under condition 2, l at a premium review under condition 6, or
l following a change of circumstances under condition 3. c. All premiums are payable in advance of any cover
being provided.
5 Cancellation
a. We will cancel this policy if premiums are not paid. However, we will reinstate cover if the premium is then paid within 14 days of its due date.
b. We may at any time, in line with reasonable underwriting and insurance practice (and retrospectively where appropriate), change the policy terms or cancel cover without paying any refunds, provided it is not unfair to do so, if you or the policyholder has:
l misled us, for example telling us incorrect information or not telling us something that we have asked for, (either in the application or afterwards); or
l defrauded or attempted to defraud us, or
l agreed to any attempt by someone else to defraud us, or l not acted openly and honestly in your dealings with us. c. If we cancel the policy for reasons other than those in
points (a) and (b), the policyholder may be entitled to a refund of premium.
6 Premium review
If you have selected the reviewable option this means that
we may change the premium to reflect updated views on the expected cost of providing cover. We can only change the premium on the fifth policy anniversary date and every anniversary after that during the term of your policy. The premium may go up, down, or remain unchanged as a result of the review, and there is no limit to the size of the change. When reviewing premiums we will consider the future impact of: l the cost of all Aviva income protection policyholders claims l policy lapses
l interest rates
l the expense of providing this cover l tax rates
l the cost of reinsurance
l the impact of regulatory changes
Conditions
The reviews will compare the costs allowed for in the premium with the updated view on future costs. We will not look to recoup past losses or redistribute past profits as part of a review, and the premium will not be directly affected by whether you have claimed or not.
We will give the policyholder at least 30 days’ notice of any change as a result of such a review. If we advise the policyholder
of an increase in premium, they can then choose to keep the premium unchanged and reduce the level of benefit accordingly.
7 Third party interest
Benefit cannot be made the subject of any charge, security interest, assignment, transfer or trust. We will not recognise or accept notice of any third party claim or interest in respect of any benefit.
8 Law
This policy is governed by English law, and will be subject to the exclusive jurisdiction of the courts of England and Wales. If we decide to waive any term or condition of this policy, this does not mean that we have made a permanent change to the terms and conditions. We can still apply the term or condition that we waived on a future or separate occasion.
This policy is a contract between us and the policyholder. No other persons will have any right under the Contracts (Rights of Third Parties) Act 1999 to enforce this policy or any part of it. This will not affect any third party right or remedy if available apart from that Act.
9 Consents
You, and where applicable the policyholder on your behalf, agrees and consents to the computer and other processing and use of all personal and medical details received by us. This includes processing by the data controllers and relevant third parties (which may include the policyholder, medical and other service providers and relevant intermediaries) for the purpose of: l policy administration
l service provision l reinsurance
l claims validation; and l fraud prevention.
The policyholder also agrees to provide and obtain confirmations of consent we require. Processing may be in any part of the world. Processing will be carried out in such a manner that ensures adequate standards of data protection within the meaning of English law is adhered to. The data controllers are Aviva Life & Pensions UK Limited (3253947) and Aviva Insurance Limited (2116).
1 Claims procedure
You can only claim if premiums are up to date.
You or the policyholder must tell us about any claim as soon as possible, either:
l before the period of incapacity has lasted two months; or l before the deferred period ends if it is shorter than
two months.
If you or the policyholder do not tell us within these time limits, we may postpone or refuse a claim (where, due to the delay in notification, we are unable to confirm incapacity. If we have to postpone a claim, benefit payments will be delayed.
2 Our requirements
You or the policyholder must complete and return claim forms and any other documentation requested by us, as soon as reasonably possible. We may have to postpone or refuse a claim if we do not receive the information that we need to assess the claim.
Apart from medical information or medical evidence requested by us, you will pay for all certificates, information and evidence that we ask for (including proof of age) to assess a claim.
We will not be able to process any claim unless you sign the consent forms provided by us, to allow us access to your
relevant medical records held by a medical practitioner.
We will also need evidence of earnings. l If you are employed – we need at least:
– the last 12 months payslips immediately before incapacity
or
– the last P60 certificate; and
– A PAYE Coding Notice (or replacement) will be required if benefits in kind are covered. If you are a Director we also need evidence of your dividends, during the 12 months before incapacity, as assessed for income tax purposes and declared to and agreed by Her Majesty’s Revenue and Customs and the profit and loss accounts which relate to this.
l If you are self-employed – we need at least:
– evidence of personal earnings, during the 12 months (or 36 months for benefit based on an annual average over 3 years) before incapacity, as assessed for income tax purposes and declared to and agreed by Her Majesty’s Revenue and Customs; and
– the profit and loss accounts which relate to this.
We may need more information. If we do, we will ask for it.
You need to provide all information that we ask for, and: l undergo medical examinations or tests (on our behalf and
at our expense) by a medical examiner appointed by us in respect of any alleged incapacity; and
l sign any necessary consent forms to allow us access to the results of any relevant medical examinations and/or tests.
You must take reasonable steps to assist your recovery and help us assist your recovery, including:
l meeting and working with disability counsellors and/or advisers appointed for our purpose; and
l signing any necessary consent forms.
3 Payments
All payments will be made in the currency of the United Kingdom on the due date unless we have postponed your
claim as detailed above.
4 Our rights
You or the policyholder must tell us as soon as possible if you
are making a claim against anyone who may be responsible for
your incapacity that also resulted in a claim under this policy. For example, a road traffic accident that was not your fault which has caused incapacity.
You must continue to keep us fully informed in writing about such third party claims and take all steps we require when making your claim against that third party.
In relation to the third party claim, we will be entitled to take proceedings in your name in respect of any claim for loss or damages or otherwise which caused us to pay any benefits
or costs under this policy. We will be able to make decisions
Claims Conditions
in the conduct of any such proceedings and in the settlement of any resulting claim. Alternatively, we may allow you, your
lawyer, or anyone acting on your behalf to conduct these proceedings. In either case, we will be entitled to recover any
benefit paid or payable to you from the proceeds of any third party claim.
We will have no responsibility for any claim for any other losses that are not related to this policy. For these claims you should ensure that independent legal advice is taken.
We require direct access to anyone appointed on your behalf in respect of your third party claim.
You will tell us immediately if anyone offers to settle your third party claim or makes a payment to settle your third party claim.
You must not agree to settle or withdraw the third party claim without our prior approval.
If you don’t accept the recommendation of the person appointed to act on your behalf to accept a reasonable offer or payment to settle a third party claim, we may refuse to pay further benefit.
5 Fraudulent and unfounded claims
If any claim under this policy is in any respect fraudulent or unfounded, then without affecting any other legal rights we may have, any benefit paid for that claim will be reclaimed, and no further benefit will be paid. We will also have the right to cancel the policy.
Further Information
If you have any cause for complaint
Our aim is to provide a first class standard of service to our customers, and to do everything we can to ensure you are satisfied. However, if you ever feel we have fallen short of this standard and you have cause to make a complaint, please let us know. Our contact details are:
Aviva Customer Relations PO Box 3182
Norwich NR1 3XE
Telephone: 08000 686 800 Email: helpdesk@aviva.co.uk
We have every reason to believe that you will be totally satisfied with your Aviva policy, and with our service. It is very rare that matters cannot be resolved amicably. However, if you are still unhappy with the outcome after we have investigated it for you and you feel that there is additional information that should be considered, you should let us have that information as soon as possible so that we can review it. If you 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 to investigate. Their contact details are:
The Financial Ombudsman Service South Quay Plaza
183 Marsh Wall London E14 9SR Telephone: 0300 123 9123 Email: complaint.info@financialombudsman.org.uk Website: www.financial-ombudsman.org.uk
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.
Your right to change your mind
After you receive your policy documents you will have 30 days in which to change your mind and cancel your policy. If you decide to cancel your policy, any money you have already paid will be refunded, provided no claims have been made in this 30 day period.
If you wish to cancel your policy please complete and return the cancellation form included in your welcome pack. If we do not hear from you we will continue to collect your premium in accordance with instructions previously provided by you and continue to give you the cover as detailed in this policy wording.
The financial services compensation
scheme (FSCS)
The FSCS covers your policy. It’ll cover you if Aviva becomes insolvent and we are unable to meet our obligations under the policy. For this type of policy, the FSCS will cover you for 90% of the total amount of an existing claim. The FSCS will also provide a refund of 90% of the premiums that have not been used to pay for cover whether you are making a claim under the policy or not. For further information, see www.fscs.org.uk or
telephone 020 7892 7300
Language
All our communications with you in connection with this policy will be in English.
Definitions
Throughout this booklet certain words are shown in bold type. These are defined terms and have specific meanings when used in this guide. The meanings of these words are set out below.
Anniversary date
The annual anniversary of the start date.
Application
The application that you provided and that we have accepted.
Benefit
The benefit described under the benefits section of this policy wording.
Deferred period
The number of consecutive weeks of incapacity which must pass before the policyholder becomes entitled to receive benefit.
Duties
The material and substantial duties required for the performance of youroccupation which cannot reasonably be omitted or modified.
Duties do not include:
l Duties which are not necessary to perform the occupation
within the trade profession (eg duties that are not necessary with another employer or within another business) or; l The commute to and from your place(s) of work.
Earnings
Your employed salary or your self-employed earnings.
Employed salary
Your earnings, salary or wage (including benefits in kind) before tax from your employment during the period of 12 months before the start of incapacity.
Benefits in kind
The following benefits in kind to a combined taxable total of up to £10,000 will be accepted as forming part of employed salary: l Company Car
Dividends
If your income from your trade or business is received in the form of company dividends or distributions, we will include this amount as earnings under this policy providing;
1. The dividends or distributions are paid direct to you instead of regular wages or salary in the period of 12 months before the start of incapacity; and
2. The dividends or distributions are consistent with a level of regular wages or salary that the paying company’s trading position allows on a continuing basis.
Self-employed earnings
Your income from your business before tax, during the period of 12 months before the start of incapacity, less any allowable expenses against income tax. (This means your share of pre-tax profits from your insured occupation).
Incapacity
Incapacity means that you are unable to perform on a full or part-time basis the duties of your occupation, because of
your illness or accidental injury.
Limited payment term
If selected, benefit payments will be restricted to a total maximum of five years for all periods of incapacity, whatever their cause. After benefit has been paid for a total maximum of five years the policy will end.
Example:
Mr Jones makes a claim for benefit in January 2008. He continues to claim benefit until January 2011, and has therefore claimed benefit for three years. Mr Jones then makes a further claim in January 2012, and as he has already claimed benefit for three years, if he still meets the definition of incapacity, his benefit payments will stop in January 2014 as he will have claimed for a total of five years.
Medical practitioner
A medical practitioner on the List of Registered Medical
Practitioners with the UK General Medical Council, or in the case of benefit paid for temporary overseas residence, the equivalent
Occupation
Occupation means each and every occupation you were following in the 12 months immediately before the start of
incapacity.
If immediately before the start of your incapacity you were
unemployed, occupation means the last occupationyou
performed before the start of incapacity.
Policy
Our contract of insurance with the policyholder providing the cover as agreed. The application, policy schedule and financial statement form part of the contract and must be read together with this policy wording.
Policyholder
The person or company named as policyholder in the policy schedule.
Retail price index
The monthly index used by the Government that demonstrates the movement of retail prices in the UK, or an equivalent replacement of that index which is acceptable to us.
Start date
The date shown as the commencement date in the policy schedule on which cover under this policy starts.
Termination age
The age shown in the policy schedule at which cover under the
policy ends.
Unemployed
Unemployed means you were not following an occupation for profit or reward immediately prior to incapacity.
This policy will not pay benefit because you become unemployed. Benefit is dependant on satisfying the definition of incapacity. If you are incapacitated during a period of unemployment your policy will only pay Restricted benefit (see Benefits section).
We will continue cover after unemployment if premiums continue to be paid, but it will be on restricted benefit (please see the benefits section).
We/our/us
Aviva Life and Pensions UK Limited (company reference number 3253947).
You/your
A person named as an insured person in the policy schedule.