GOLD

Cover & Benefits
Whilst we hope that you will never have a serious accident or illness, financial circumstances can change as a result. These circumstances could affect your whole family.

For just a small increase in your monthly payment, Gold cover will provide all the benefits of Bronze cover with the addition of disability benefit. If you are unable to work for a period in excess of 30 days you will qualify for 1 month’s payment as at day 31. The first qualifying day of a claim for disability is the day you are signed off work by a doctor.

Claims will continue to be met during the term of the cover at 1/30th of the monthly payment for each day you remain signed off work, until you return to work, or your cover ends, whichever comes first. The maximum monthly benefit is £1,500 per month.

Who is likely to be at risk
Pre-existing conditions are excluded, however there are still areas of high risk to look out for;
• Dangerous occupations
• Extreme or physical sports/hobbies
• High mileage drivers
• No or little employer benefits
• Anyone who would prefer not to use their savings

Eligibility
As Bronze cover but with the additional requirements of;
• Must be in full time employment for at least 6 months prior to commencement
• Self employed must pay appropiate NI contributions

Exclusions
No benefit will be paid if disability is as a consequence of the following;
• See Bronze exclusions
• Self inflicted injury, or as a result of elective or cosmetic surgery
• Normal pregnancy, abortion, miscarriage
• Sexually transmissable diseases

For full terms and conditions please see the Policy Summary and Policy Document. Copies available on request.

Life Insurance is underwritten by Sterling Life Ltd. Accident, sickness and involuntary unemployment is underwritten by Hitachi Capital Insurance Europe Limited. This policy may be cancelled within 30 days of receiving your certificate of Insurance.

All information correct at time of publication November 2008.