LIFE INSURANCE AND CRITICAL ILLNESS COVER POLICY …

1 LIFE INSURANCE AND CRITICAL ILLNESS COVER POLICY SUMMARY. This POLICY is provided by Legal & General Assurance Society Limited. OVERVIEW. These policies are designed to meet the demands and needs of people who want to help protect against the impact of death or terminal ILLNESS or CRITICAL ILLNESS . The POLICY could be used to help pay your outstanding mortgage or to help protect your family s lifestyle and everyday living expenses. This POLICY Summary is only a brief guide to the COVER and exclusions.

2 You will find full details in the POLICY Booklet which will form the basis of our contract with you. TWHAT IS COVERED? Life INSURANCE You will be covered if before the end of the POLICY : you die you are diagnosed as being terminally ill, and in the opinion of your hospital consultantand our medical officer, the ILLNESS is expected to lead to death within 12 'll pay out your amount of COVER once. After this happens, the POLICY will end and you'll no longer have any COVER . CRITICAL ILLNESS COVER If you choose to add CRITICAL ILLNESS COVER alongside your life INSURANCE as a separate POLICY , (also referred to as additional or independent CRITICAL ILLNESS COVER ) you will be covered if before the end of the POLICY : You are diagnosed with or undergo a medical procedure for one of the CRITICAL illnesseswe COVER and you survive for 14 days from diagnosis.

3 We'll pay out your amount of COVER in full once. After this happens, the POLICY will end and you'll no longer have any COVER . 2 LIFE INSURANCE AND CRITICAL ILLNESS COVER XWHAT IS NOT COVERED?You are not covered if you don't give us full and honest answers to the questions we ask you before the POLICY starts. Please don t assume that we ll contact your doctor to find out your full medical details. Life INSURANCE We won't pay out: If within the first year of the POLICY , your death is caused by suicide or, intentional andserious self-injury or an event where, in our reasonable opinion, you took your own life.

4 If some elements of COVER are restricted based on the information you give us. If we dothis we'll tell you what we've excluded in your POLICY booklet under 'What you are notcovered for'. The amount of COVER more than once if a joint life POLICY is chosen. This may be whenthe first person dies or has a valid claim. We have a replacement COVER option whichcould allow the other person covered to take out a new single life POLICY , ensuring theystill have some protection in place. If you are diagnosed with a terminal ILLNESS which doesn't meet our definition.

5 TerminalIllness COVER can't be claimed: after your death or if the length of the POLICY is less than two ILLNESS COVER We won't pay out: If you are diagnosed with or undergo a medical procedure for one of the CRITICAL illnesseswe COVER which doesn't meet our definition. If death occurs within 14 days of diagnosis of one of the CRITICAL illnesses we COVER . If you die. If some elements of COVER are restricted based on the information you give us. If we dothis we'll tell you what we've excluded in your POLICY booklet under 'What you are notcovered for'.

6 The amount of COVER more than once if a joint life POLICY is chosen. This will be when thefirst has a valid claim. We have a replacement COVER option which could allow the otherperson covered to take out a new single life POLICY , ensuring they still have someprotection in all policies Life COVER policies have no cash value and we will not pay out if you reach the end of thepolicy without making a valid claim. If you stop paying your premiums your COVER will end 30 days after the first INSURANCE AND CRITICAL ILLNESS COVER ABOUT THE POLICY .

7 YOUR PREMIUMS Your premiums will remain the same during the length of the POLICY unless you make any changes .AGE LIMITS Product Maximum age for buying a POLICY Minimum length of the POLICY Maximum length of the POLICY Your POLICY must end before age Life INSURANCE *77 1 year 50 years 90 Decreasing Life INSURANCE *74 5 years 50 years 90 CRITICAL ILLNESS COVER *67 2 years 75 The minimum age to take out a POLICY is 18. The POLICY must not end before your 29th birthday. *Guaranteed premiumsYOUR COVER Level COVER If you choose level COVER , your amount of COVER will stay the same unless you change it.

8 If the POLICY is to help repay a mortgage, you need to ensure that your amount of COVER matches your outstanding mortgage. The POLICY may not completely pay off your outstanding mortgage, if you change the mortgage you have in any way and you don't adjust your COVER to match your new arrangements. Decreasing COVER If you choose decreasing COVER it is often used to help protect a repayment mortgage. Therefore the amount of COVER reduces roughly in line with the way a repayment mortgage decreases. You need to ensure that your amount of COVER matches your outstanding mortgage.

9 The POLICY may not completely pay off your outstanding mortgage, if: you change the mortgage you have in any way and you don t adjust your COVER to matchyour new arrangements. the interest rate on your mortgage becomes higher than the rate applied to the rate will be shown in your Personal Quote or the POLICY years 4 LIFE INSURANCE AND CRITICAL ILLNESS COVER BENEFITS FOR LIFE INSURANCE .The following benefit(s) may have eligibility criteria and restrictions that apply. ACCIDENTAL DEATH BENEFIT Included at no extra cost.

10 TWHAT IS COVERED? We ll COVER you from when we receive your application, for up to 90 days or until we accept, postpone or decline your application. This means that if you die due to an accident during this time, we ll pay out the amount you ve asked to be insured for, up to a maximum of 300,000 for all applications. The benefit will be paid out if the person covered, or one of the persons covered , sustains a bodily injury caused by accidental, violent, external and visible means, which solely and independently of any other cause results in death within 90 days of the accident.