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Insurance Terms and Conditions

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Terms & Conditions for Cignpost Term Life & Cignpost Critical Illness

  1. Glossary

1.1. Cover Amount means the level of cover You have chosen for Cignpost Term Life or Cignpost Critical Illness, as shown on Your Plan Schedule. The Cover Amount can be different between Cignpost Term Life and Cignpost Critical Illness. different between Cignpost Term Life and Cignpost Critical Illness.

1.2. Cover Commencement Date means the date We confirm Your cover started from, set out in the Plan Schedule

1.3. Insurer means iptiQ Life S.A., UK Branch

1.4. Life Insured means the person(s) named on the Plan Schedule covered by the Plan

1.5. Plan means Your Cignpost Term Life Cover or Cignpost Critical Illness Cover

1.6. Plan Anniversary means the twelve month anniversary of the initial Cover Commencement Date as shown on Your Plan Schedule

1.7. Plan Owner(s) means the person or persons shown in Your Plan Schedule who own and are authorised to make changes to the Plan

1.8. Plan Schedule means the document We provide to You showing the Life Insured(s) and Plan Owner(s), which options have been chosen, the Cover AmountCover Commencement Date and the Premium payable

1.9. Premium means the amount You have to pay for this Plan, as shown in the Plan Schedule

1.10. UK means England, Wales, Scotland and Northern Ireland and does not include the Channel Islands or the Isle of Man

1.11. WeUs and Our means the Insurer

1.12. You and Your means the Plan Owner(s)

  1. Introduction

About Your insurance and who is involved

Your Plan is arranged by Albany Park Limited, trading as Cignpost Life. Albany Park Limited is authorised and regulated by the Financial Conduct Authority and entered on the Financial Services register under reference number 304130, Registered Office: Inchora Ltd, Copy Technology Park, Building X92, Farnborough GU14 0LX.

Your Plan is issued, underwritten and administered by iptiQ Life S.A. UK Branch (“iptiQ”) registered in England and Wales. Registration No: BR017015. Registered Office: 30 St Mary Axe, London EC3A 8EP. iptiQ Life S.A. is a public limited company (societé anonyme) incorporated and registered in Luxembourg. Authorised by Le Commissariat aux Assurances. Registered office: 2a, rue Albert Borschette, L-1246 Luxembourg. R.C.S. Luxembourg B 184281.

Your Plan sets out Your contract with iptiQ. Your Plan is made up of:

  • these terms and conditions;
  • the Plan ScheduleWe supply to go with them; and
  • any letters from Cignpost Life confirming changes to Your

The Plan Schedule contains the Plan details naming you as the Plan Owner(s) and showing the person(s) covered, what options have been chosen, the Cover AmountCover Commencement Date, end date and the Premiums payable.

Please keep these important documents in a safe place and let Your family know where to find them.

For information on who else may be involved when a claim is made, please refer to the section regarding entitlement to the Cover Amount.

Accuracy of information You give

It is important that You answer all questions honestly, accurately and fully. If You or someone acting on Your behalf, deliberately or recklessly provides inaccurate information, We are entitled to cancel this Plan and refuse any claim.

If You or someone acting on Your behalf, carelessly provides inaccurate information We are entitled to amend the Plan to reflect the terms that would have been offered if We had known the accurate information at the start.

Need to get in touch?

It will help if you provide Your Plan number when you contact Us.

By phone: 0330 123 3747

Monday to Friday, 8am – 6pm (except UK public holidays), Saturday 9am – 1pm

By email: customerservices@cignpostlife.co.uk

In writing: freepost Cignpost Life Customer Service

Online: cignpostlife.co.uk

Please remember to let Us know if you change Your name, address, bank account details or if you move to a different country.

We record and monitor calls to help us to improve our service.

  1. Who is covered?

3.1. The Life Insured covered is shown in Your Plan Schedule.

3.2. Your Plan can be set up on Single Life or Joint Life basis

3.2.1. On single life, the Life Insured is the owner and pays the Premium.

3.2.2. On joint life, both the Life Insured are the owners and one must pay the Premium.

  1. Your Cover Amount

The Cover Amount(s) payable under Your Plan is shown in Your Plan Schedule.

Depending on the reason for the claim, the claim payment will be the same as, or a proportion of, the Cover Amount (subject to any maximum amount for the cover type).

There are three types of cover available for Your Plan:

4.1. Level Cover

4.1.1. If the cover type shown in Your Plan Schedule is level cover then the Cover Amount won’t change over the term of the Plan.

4.2. Increasing Cover

4.2.1. If the cover type shown in your Plan Schedule is increasing then on each Plan Anniversary the Cover Amount will increase by 3% and Your Premiums will go up by 3.75%.

4.2.2. Your Plan Schedule shows whether You have chosen the increasing cover option to apply from the Cover Commencement Date.

4.2.3. Increasing Cover can be selected or removed at any time, but once removed, it cannot be selected again. Adding Increasing Cover after the Cover Commencement Date may be subject to further underwriting.

4.2.4. If you decrease the Cover Amount at any time during the term of the Plan, Increasing Cover is removed.

4.3. Decreasing cover

4.3.1. If the cover type shown in Your Plan Schedule is decreasing, the Cover Amount decreases on each Plan Anniversary by the amount of capital that would be outstanding under a repayment mortgage with an interest rate of 8% and an initial loan amount of the Cover Amount if all mortgage payments have been made.

  1. Premium type

5.1. Your Plan Schedule shows whether the Premium type You have chosen is level or increasing.

5.2. Level Premiums won’t change throughout the Plan, unless You make changes to Your Cover Amount or choose to take out the Increasing Cover option. Level Premiums apply for Level and Decreasing cover types.

5.3. If You have chosen increasing cover, Your Premiums will increase by 3.75% on each Plan Anniversary.

  1. Cignpost Term Life Cover

The minimum entry age of the Life Insured for Cignpost Term Life is 18 and the maximum entry age is 54.

You can choose a term between 5 and 40 years, although the minimum expiry age is 23 and the maximum expiry age is 64.

6.1. What is covered

6.1.1. We will pay the Cignpost Term Life Cover Amount if a Life Insured dies or is diagnosed with a terminal illness while covered by the Plan.

6.1.2. Terminal illness means the Life Insured has a definite diagnosis by a consultant of an illness for which both:

6.1.2.1. the illness either has no known cure or has progressed to the point where it can’t be cured; and

6.1.2.2. in the opinion of Your consultant and our medical officer, the illness is expected to lead to death within 12 months.

6.2. What is not covered

6.2.1. You are not covered if the Life Insured dies by suicide before Your first Plan Anniversary Date.

6.2.2. The Life Insured must tell us the truth when answering the health and lifestyle questions or We may not be able to pay a claim.

6.3 Cignpost Term Life Cover Amount

6.3.1. The Cignpost Term Life Cover Amount You can have at the Cover Commencement Date can be up to a maximum of £250,000.

6.3.2. Regardless of how many policies You take out with Us the total Term Life Cover Amount for Cignpost Term Life can’t exceed £250,000 for any Life Insured, excluding increases if the Increasing Cover option has been selected.

6.4. Cover start and end date

6.4.1. Your Cignpost Term Life cover begins on the Cover Commencement Date shown in Your Plan Schedule.

6.4.2. Your Cignpost Term Life cover ends on the earliest of:

6.4.2.1. the payment of the Cignpost Term Life Cover Amount;

6.4.2.2. the cancellation of the cover or the Plan by You or Us; or

6.4.2.3. Your Plan’s end date.

6.5. Changing Your cover

6.5.1. You can reduce Your Cover Amount at any point during the term of the Plan, provided that Your Premium is always above the minimum amount.

6.5.2. You can also increase Your Cover Amount up to a maximum of £250,000, subject to underwriting. Any increase in Your Cover Amount, other than because of the Increasing Cover option, will be written on new business terms and conditions which are subject to benefit limits and may be different from Your existing Plan.

6.5.3. If You change Your Cover Amount, the Premium You pay will be changed accordingly. You will be informed of the revised Premium when you accept the new Cover Amount.

  1. Cignpost Critical Illness

Critical Illness cover only applies if Your Plan Schedule includes Cignpost Critical Illness in the Plan Details section.

The minimum entry age of the Life Insured for Cignpost Critical Illness is 18 and the maximum entry age is 49.

You can choose a term between 5 and 40 years, although it can’t be for a longer term than the Cignpost Term Life Plan. The minimum expiry age is 23 and the maximum expiry age is 59.

7.1. What is covered:

7.1.1. We will pay the Cignpost Critical Illness Cover Amount if a Life Insured is diagnosed with one of the Critical Illnesses detailed in APPENDIX A, meet the definition and survive that diagnosis by 28 days. The full definitions of the Critical Illnesses covered and the circumstances in which You can claim are in APPENDIX A.

7.1.2. We will pay the Cignpost Critical Illness Cover Amount if a Life Insured is diagnosed with a terminal illness while covered by the Plan. Terminal illness means You have a definite diagnosis by a consultant of an illness for which both:

7.1.2.1. the illness either has no known cure or has progressed to the point where it can’t be cured; and

7.1.2.2. in the opinion of Your consultant and our medical officer, the illness is expected to lead to death within 12 months.

7.2. What is not covered

7.2.1. We will not pay out if the Cignpost Critical Illness claim was caused, in any way because of:

7.2.1.1. Alcohol or drug abuse
Inappropriate use of alcohol or drugs, including but not limited to the following:

  • consuming too much alcohol;
  • taking an overdose of drugs, whether lawfully prescribed or otherwise; and
  • taking Controlled Drugs (as defined by the Misuse of Drugs Act 1971) otherwise than in accordance with a lawful prescription 7.2.1.2. Self-inflicted injury Intentional self-inflicted injury

7.2.1.2. Self-inflicted injury
Intentional self-inflicted injury

7.2.2. The Life Insured must tell us the truth when answering the health and lifestyle questions or We may not be able to pay a claim.

7.2.3. Some Critical Illness definitions include exclusions specific to those illnesses, see APPENDIX A

7.2.4. We will not pay out if the Life Insured dies within 28 days of meeting the definition

7.2.5. Evidence for authorising a Cignpost Critical Illness claim must come from a qualified doctor / consultant from one of the following countries: any of the countries of the European Union, Switzerland, Iceland, Norway, USA, Canada, Australia, New Zealand, the Isle of Man or the Channel Islands. We will act reasonably if evidence is presented from other countries.

7.3. Cignpost Critical Illness Cover Amount

7.3.1. The maximum Cignpost Critical Illness Cover Amount You can have at the Cover Commencement Date is £100,000.

7.3.2. Regardless of how many policies You take out with Us, the total Cover Amount for Cignpost Critical Illness cannot exceed £100,000 for any Life Insured, excluding increases under the Increasing Cover option.

7.4. Cover start and end date

7.4.1. Your Cignpost Critical Illness cover begins on the Cover Commencement Date shown in Your Plan Schedule.

7.4.2. Your Cignpost Critical Illness cover ends on the earliest of:

7.4.2.1. the payment of the Cignpost Critical Illness Cover Amount;

7.4.2.2. the cancellation of the Cignpost Critical Illness cover or the Plan by You or Us; or

7.4.2.3. Your Cignpost Critical Illness cover end date;

7.4.2.4. Death of a Life Insured

7.5. Changing Your cover

7.5.1. You can reduce Your Cignpost Critical Illness Cover Amount at a later date, subject to the minimum Premium for Cignpost Critical Illness cover.

7.5.2. You can also increase Your Cignpost Critical Illness Cover Amount up to £100,000, subject to underwriting. Any increase in cover, other than because of the Increasing Cover option, will be written on new business terms and conditions which are subject to benefit limits and may be different from Your existing Plan.

7.5.3. If You change Your Cover Amount, the Premium You pay will be changed accordingly.

  1. Additional Critical Illness cover

Additional Critical Illness cover applies if Your Plan Schedule includes Cignpost Critical Illness cover in Your Plan.

8.1. What is covered

8.1.1. If, during the term of Your Cignpost Critical Illness cover, a Life Insured is diagnosed with one of the Additional Critical Illnesses listed in Appendix B, meet the definition and survive that diagnosis for 28 days. We will pay an additional cash sum according to which illness it is. Such a payment can be made for more than one of these illnesses, but only once per Life Insured covered.

8.1.2. The full definitions of the illnesses covered and the circumstances in which You can claim are in Appendix B.

8.2. What is not covered

8.2.1. We will not pay out if the Additional Critical Illness claim was caused, in any way because of:

  • Alcohol or drug abuse
    Inappropriate use of alcohol or drugs, including but not limited to the following:
    • consuming too much alcohol.
    • taking an overdose of drugs, whether lawfully prescribed or otherwise.
    • taking Controlled Drugs (as defined by the Misuse of Drugs Act 1971) otherwise than in accordance with a lawful prescription
  • Self-inflicted injury
    Intentional self-inflicted injury

8.2.2. Some Additional Critical Illness definitions include exclusions specific to those illnesses

8.2.3. We will not pay out if the Life Insured dies within 28 days of meeting the definition

8.2.4. Evidence for authorising an Additional Critical Illness claim must come from a qualified doctor / consultant from one of the following countries: any of the countries of the European Union, Switzerland, Iceland, Norway, USA, Canada, Australia, New Zealand, the Isle of Man or the Channel Islands. We will act reasonably if evidence is presented from other countries.

8.3. Additional Critical Illness Cover Amounts

8.3.1. Payment of the Additional Cignpost Critical Illness Cover Amount doesn’t reduce the total Cignpost Critical Illness Cover Amount.

8.3.1.1. Low-grade prostate cancer
The additional cash sum payable will be the lower of 25% of the Critical Illness Cover Amount or £25,000.

8.3.1.2. Carcinoma in Situ of the breast – with surgery to remove the tumour
The additional cash sum payable will be the lower of 25% of the Critical Illness Cover Amount or £25,000.

8.3.2. If You have chosen Increasing Cover, the maximum amount We will pay under this benefit will also increase. See section 4 of this document for more information.

8.4. Cover start and end date

8.4.1. Your Additional Critical Illness cover begins on the Cover Commencement Date shown in Your Plan Schedule.

8.4.2. Your Additional Critical Illness cover ends on the earliest of:

8.4.2.1. the payment of the Critical Illness Cover Amount;

8.4.2.2. the cancellation of the Critical Illness cover or the Plan by You or Us; or

8.4.2.3. Your Critical Illness cover end date;

8.4.2.4. Death of a Life Insured

  1. Children’s Critical Illness Cover

Children’s Critical Illness cover applies if Your Plan Schedule includes Cignpost Critical Illness in Your Plan.

9.1. What is covered

9.1.1. Children’s Critical Illness Cover applies to eligible children, from aged 30 days until their 18th birthday or 21 st birthday if they are in full time education.

9.1.2. All of Your natural, legally adopted or step children, or any child You are the legal guardian of, are eligible to be covered by this benefit.

9.1.3. If, while covered by Critical Illness cover, a child undergoes an operation or is diagnosed with a condition which meets the definition of one of the Critical Illnesses listed in APPENDIX A, We will pay the Children’s Critical Illness Cover Amount.

9.1.4. We will only pay out once for each child regardless of how many policies You have. Also, the benefit can only be claimed for a maximum of three children.

9.2. What is not covered

9.2.1. We won’t pay a claim under this benefit if:

  • the child’s condition was present at birth;
  • the symptoms first arose before the child was covered under the Plan; or
  • if the child dies within 14 days of being diagnosed with the Critical Illness or undergoing the specified operation.

9.2.2. Evidence for authorising a claim for this Plan must come from a qualified doctor / consultant from one of the following countries: any of the countries of the European Union, Switzerland, Iceland, Norway, USA, Canada, Australia, New Zealand, the Isle of Man or the Channel Islands. We will act reasonably if evidence is presented from other countries.

9.3. Children’s Critical Illness Cover Amount

9.3.1. The Children’s Critical Illness Cover Amount is the lower of £25,000 or 50% of the Critical Illness Cover Amount. Any such claim won’t affect the Critical Illness Cover Amount.

9.3.2. If You have chosen Increasing Cover, the maximum amount We will pay under this benefit will also increase. See section 4 of this document for more information.

9.4. Cover start and end date

9.4.1. Children’s Critical Illness cover begins on the Cover Commencement Date if Your schedule includes Cignpost Critical Illness in Your Plan.

9.4.2. Cover begins for an eligible child once they are 30 days old and ends on their 18th birthday or 21st birthday if they are in full time education.

9.4.3. We will only pay out once per eligible child regardless of how many policies You have.

9.4.4. Children’s Critical Illness cover ends on the earliest of:

  • the payment of the Cignpost Critical Illness Cover Amount;
  • the cancellation of the Cignpost Critical Illness cover or the Planby You or Us; or;

9.4.4.3. the Children’s Critical illness cover has paid out three times; or

9.4.4.4. Your Cignpost Critical Illness cover end date;

9.4.4.5. Death of a Life Insured

  1. Premiums

10.1. Paying Your Premiums

10.1.1. Your Premiums are due from the Plan start date and at monthly intervals as shown in Your Plan Schedule.

10.1.2. Premiums are payable monthly by direct debit from a UK bank account. You can choose a date between the 1st and the 28th of the month to pay.

10.1.3. The minimum Premium when you take out your policy is £5 per month for Cignpost Term Life cover and £5 per month for Cignpost Critical Illness cover.

10.1.4. The minimum Premium for any future increases in Cover Amount is £1.

10.2. Missed Premiums

10.2.1. If You don’t keep up Your Premium payments, We are entitled to cancel Your Plan.

10.2.2. If You miss a Premium payment, We will write to inform You of the unpaid Premium(s). You can pay any missed Premium(s) by calling and making a debit or credit card payment over the phone.

10.2.3. If You miss three Premiums, We will send you a final notice letter and inform You that if Premiums remain unpaid, We will cancel Your Plan. If Your missed Premiums are consecutive, (e.g. March, April, May), You have five days from the receipt of the final notice letter to call Us and make a debit or credit card payment. If Your missed Premiums aren’t consecutive (e.g. March, July, December), You have thirty days from the receipt of the final notice letter to call Us and make a debit or credit card payment.

10.2.4. If Premiums remain unpaid, We will cancel Your Plan and write to You to confirm that Your cover has been cancelled.

10.2.5. If a claim is payable and there are unpaid Premiums on Your Plan, the unpaid Premiums will be deducted from the Cover Amount.

10.2.6. Policies that have been cancelled because of unpaid Premiums can be restarted within two months of the cancellation date if You pay all the missed Premiums and no claim has been made. You won’t be covered again until all the missed Premiums are paid.

  1. Changes to Your cover

11.1. You can request any of the following changes to Your Plan:

11.1.1. Increase Your Cover Amount up to a maximum of £250,000 for Cignpost Term Life and £100,000 for Cignpost Critical Illness, subject to underwriting. Any increase in Your Cover Amount, other than because of the Increasing Cover option, will be written on new business terms and conditions which are subject to benefit limits and may be different from Your existing Plan.

11.1.2. Decrease (subject to our then minimum Premium) the amount of cover;

11.1.3. Bring forward the end date of the cover;

11.1.4. Delay the end date of cover. Any change will be written on new business terms and conditions which may be different from Your existing Plan; or

11.1.5. Remove a person covered.

11.2. We will usually need evidence of Your state of health to make an increase or extension to Your cover and may need to apply restrictions to the revised cover.

11.3. You cannot change your cover type from either Level or Increasing to Decreasing

11.4. You cannot change the Plan term in the last 3 years of Your Plan.

11.5. We will confirm if the change You have requested requires Us to cancel this Plan and a new Plan will be issued which may have different terms and conditions, and Premium rates. The Premiums payable for a new Plan would be based on Your age and whether or not You smoke at the time the change is made, unless You are decreasing the scope of the cover. For a lesser cover basis, We will reduce Your future Premiums to the level they would have been if the lesser basis had applied from the beginning.

11.6. We will write to You to confirm the changes You have made.

  1. Notifying Us of changes about You or rights to the Plan

12.1. Your details

12.1.1. To help ensure the cover is available when needed, You need to let Us know if You change:

  • Yourname;
  • Yourbank account;
  • Youraddress; or
  • other contact details Youhave provided for Cignpost Life

12.2. Your country of residence

12.2.1. If You move to another country outside of the UKPremiums must be paid from a UK bank account in the name of a Plan Owner.

12.3. Changing ownership

12.3.1. If You assign the legal (and possibly beneficial) ownership of the Plan to someone else or to a trustee(s) of a trust for the PlanYou need to inform us in writing.

  1. Making a claim

13.1. To make a claim, please contact our Customer Service team as soon as possible after the insured event:

13.1.1. phone Us on 0330 123 3747 (lines are open 8am-6pm Monday to Friday and 9am-1pm on Saturdays, excluding UK public holidays)

13.1.2. email Us at customerservices@cignpostlife.co.uk

13.1.3. or write to Us at: freepost Cignpost Life Customer Service

13.2. Our Customer Service team will explain how the claims process works and what is required to make a claim.

13.3. In all cases, We will need a completed claim form.

13.4. Depending on the nature of the claim, We may need one or more of the following:

13.4.1. The birth, marriage or death certificate of the person covered.

13.4.2. Proof of identity and entitlement of the claimant.

13.4.3. Any other evidence of a change of name.

13.4.4. Medical evidence relating to the person covered, which may include;

  • a report from Yourtreating doctor or a medical specialist;
  • access to full medical records; and
  • possibly a medical examination or relevant medical tests.

13.5. In rare situations, We may need to request additional documents to assess the claim.

13.6. We will tell You when You contact Us which of these We need, and if We need anything else.

13.7. We will pay the reasonable cost of all medical reports or evidence We ask for.

13.8. All diagnoses must:

13.8.1. be made by a consultant or suitably qualified doctor based within the geographical limits shown below who is a specialist in an area of medicine appropriate to the cause of the claim; and

13.8.2. be confirmed by our chief medical officer.

13.9. We won’t pay a claim for any of the circumstances that are shown under the exclusions section in Your Plan Schedule.

13.10. Also, for all claims except death claims, You may not be covered if You are unable to provide evidence to support Your claim from a qualified doctor or consultant from one of the following countries: any of the countries of the European Union, Switzerland, Iceland, Norway, USA, Canada, Australia, New Zealand, the Isle of Man or the Channel Islands.

13.11. We will take a reasonable approach to evidence from other countries, but it may not be possible to demonstrate the validity of a claim.

13.12. Once the claim is accepted, We will pay the claim amount due into a UK bank account to You or the person who is legally entitled to it.

13.13. If any information or documentation that would reasonably be required to assess the claim isn’t provided by the claimant, We won’t be able to process the claim until the information or documentation is made available.

13.14. If the information provided when taking out this Plan wasn’t honest or accurate and complete, We might have to amend the terms or amount of Your cover, or at worst cancel Your Plan and not pay any claim.

13.15. Once a claim is approved by UsWe will pay the Cover Amount into the UK bank account of the person legally entitled to receive it. If applicable, We will refund any Premium(s) collected after the insured event occurred.

  1. Entitlement to the Cover Amount

14.1. If there are two Plan Owners and We accept a claim for anything other than death, each person will have an equal entitlement to the Cover Amount.

14.2. If there are two of You named as a Plan Owner, on the death of either of You the deceased Plan Owner has no rights under the Plan.

14.3. The survivor is entitled to any Cover Amount paid resulting from the death of the other Plan Owner if the Plan isn’t held under a trust.

14.4. If you have assigned Your Plan into trust, the Cover Amount on Your death is paid to the trustees.

14.5. If You haven’t assigned Your Plan into trust with a trustee to claim the Cover Amount for trust beneficiaries, the Cover Amount on Your death is payable into Your estate, once Your family has obtained probate (or confirmation in Scotland).

  1. Cancellation of Your Plan

15.1. Cancellation by You

15.1.1. You can cancel Your Plan at any time for any reason by contacting Us on 0330 123 3747, emailing us at customerservices@cignpostlife.co.uk or writing to Us at freepost Cignpost Life Customer Service.

15.1.2. This Plan doesn’t have a cash value at any time. If You choose to cancel Your Plan within 30 days of receiving Your PlanWe will refund any Premiums paid.

15.1.3. If You cancel it after 30 days from receiving Your PlanYou won’t get any money back.

15.2. Cancellation by Us

15.2.1. We will cancel Your Plan if You don’t pay the Premiums. The section about missed Premiums says how We would deal with this.

15.2.2. We may cancel Your Plan as a last resort if We find that You gave Us wrong or incomplete information on purpose, or if You wouldn’t have obtained the cover at all had all the correct information been given before the cover started.

15.2.3. If We cancel Your PlanWe will confirm the cancellation in writing.

  1. Changes We can make

16.1. We can make reasonable changes to Your Plan if

16.1.1. We become aware of any error or omission on Your part or ours; or

16.1.2. there is a change needed to allow an improvement in services or cover which We wish to make or offer at no detriment to You

16.1.3. We can also change Your Plan if reasonable to deal with new laws, regulations or taxation affecting You or Us, or a change in circumstances beyond our control, and

16.1.4. it otherwise becomes impracticable or impossible to give effect to the terms and conditions applying to Your Plan; or

16.1.5. failing to make the change could in our reasonable opinion, result in our customers as a group not being treated fairly.

16.2. We will notify You at least 30 days in advance if We decide to make a change.

  1. Law, language and country

17.1. The law of England and Wales applies to Your Plan, but if there was to be a legal dispute and You were living in Scotland or Northern Ireland at the time, the courts there would have jurisdiction.

17.2. Also, all communications relating to Your Plan will be in English.

17.3. Where We say “UK” in various parts of the PlanUK means England, Wales, Scotland and Northern Ireland and doesn’t include the Channel Islands or the Isle of Man.

  1. Taxes

18.1. The Cover Amount paid on death is currently free from income and capital gains tax. The amount paid on death may form part of the deceased’s estate, so may be subject to inheritance tax, unless the Plan is put in an appropriate trust.

18.2. Tax information is based on Our interpretation of current law and HM Revenue & Customs practice. If Your country of residence changes, so will Your tax circumstances. How taxation could affect You will depend on Your individual circumstances. Both tax law and HM Revenue & Customs practice may change in the future. We are not authorised to provide tax advice.

  1. If You have a complaint

19.1. If You would like to make a complaint about any aspect of the service You have received, please contact Our Customer Service team.

19.1.1. phone Us on 0330 123 3747

19.1.2. email Us at customerservices@cignpostlife.co.uk

19.1.3. or write to Us at: freepost Cignpost Life Customer Service

19.2. If We can’t settle Your complaint immediately, We will send You a letter within five working days.

19.3. We will keep You informed about what We are doing and will aim to put it right within eight weeks.

19.4. If You aren’t satisfied with the response to Your complaint, or after eight weeks, You can contact the Financial Ombudsman Service:

19.4.1. By phone: 0800 023 4567

19.4.2. In writing: The Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9SR.

19.4.3. Email: complaint.info@financial-ombudsman.org.uk

19.4.4. Website: www.financial-ombudsman.org.uk

19.4.5. The European Commission has established an Online Dispute Resolution Platform (ODR Platform) http://ec.europa.eu/consumers/odr/index_en.htm that is specifically designed to help EU consumers who have bought goods or services online from a trader based elsewhere in the EU and subsequently has a problem with that online purchase. The ODR platform will refer your complaint to the Financial Ombudsman Service who will pass it on to Cignpost

19.5. Making a complaint won’t affect Your legal rights.

  1. The Financial Services Compensation Scheme (FSCS)

20.1. We are covered by the FSCS. If we are unable to pay claims due to, for example, insolvency, the FSCS may help by transferring Your Plan to another insurer or by paying compensation. Compensation can cover up to 100% of the value of a claim. You can find out more about the FSCS (including amounts and eligibility to claim) by visiting its website www.fscs.org.uk or calling 0800 678 1100.

  1. Money Laundering Regulations

21.1. We have a requirement to confirm the identity of anyone who wishes to receive benefits from a life insurance contract. We may need to ask You to send certain documents to help verify Your identity. We will write to You if this is the case.

  1. APPENDIX A – Critical Illness and Children’s Critical Illness Definitions

22.1. Aorta Graft Surgery – for disease

22.1.1. The undergoing of surgery for disease to the aorta with excision and surgical replacement of a portion of the diseased aorta with a graft.

22.1.2. The term aorta includes the thoracic and abdominal aorta but not its branches.

22.2. For the above definition, the following are not covered:

  • Any other surgical procedure, for example the insertion of stents or endovascular repair.

22.3. Aplastic anaemia

22.3.1. A definite diagnosis of Aplastic Anaemia by a Consultant Haematologist. There must be permanent bone marrow failure with anaemia, neutropenia and thrombocytopenia.

22.4. Bacterial meningitis

22.4.1. A definite diagnosis of Bacterial Meningitis resulting in permanent neurological deficit with persisting clinical symptoms.

22.4.2. For the above definition, the following are not covered:

  • All other forms of meningitis other than those caused by bacterial infection.

22.5. Benign Brain Tumour – resulting in permanent symptoms

22.5.1. A non-malignant tumour or cyst in the brain, cranial nerves or meninges within the skull, resulting in either of the following:

  • permanent neurological deficit with persisting clinical symptoms or
  • removal of the tumour by craniotomy or treatment by stereotactic radiosurgery

22.5.2. For the above definition, the following are not covered:

  • tumours in the pituitary gland;
  •  

22.6. Benign spinal cord tumour

22.6.1. A non-malignant tumour in the spinal canal or spinal cord, resulting in either of the following:

  • Permanent neurological deficit with persisting clinical symptoms or
  • Invasive surgery to remove the tumour, or treatment by stereotactic radiosurgery.

22.6.2. For the above definition, the following are not covered:

  • tumours in the pituitary gland;
  •  

22.7. Blindness – permanent and irreversible

22.7.1. Permanent and irreversible loss of sight to the extent that even when tested with the use of visual aids, vision is measured at 6/60 or worse in the better eye using a Snellen eye chart or visual field is reduced to 20 degrees or less of an arc, as certified by an ophthalmologist.

22.8. Cancer – excluding less advanced cases

22.8.1. Any malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue.

22.8.2. The term malignant tumour includes leukaemia, lymphoma and sarcoma except cutaneous lymphoma (lymphoma confined to the skin).

22.8.3. For the above definition the following are not covered:

  • All cancers which are histologically classified as any of the following:
    • pre-malignant
    • non-invasive
    • cancer in situ
    • having either borderline malignancy; or
    • having low malignant potential
  • All tumours of the prostate unless histologically classified as having a Gleason score greater than, or equal to, 7 or having progressed to at least clinical TNM classification T2bN0M0
  • All thyroid tumours unless histologically classified as haiving progressed to at least TNM classifiction T2N0M0
  • Malignant melanoma unless it has been histologically classified as having caused invasion beyond the epidermis (outer layer of skin).
  • Any other skin cancer (including cutaneous lymphoma) unless it has been histologically classified as having caused invasion in the lymph glands or spread to distant organs

22.9. Cardiac arrest – with insertion of a defibrillator

22.9.1. Sudden loss of heart function with interruption of blood circulation around the body resulting in unconsciousness and resulting in either of the following devices being surgically implanted:

  • Implantable cardioverter-defibrillator (ICD) or;
  • Cardiac resynchronisation therapy with defibrillator (CRT-D)

22.9.2. For the above definition the following are not covered:

  • Insertion of a pacemaker
  • Insertion of a defibrillator without cardiac arrest

22.10. Cardiomyopathy – of specified severity

22.10.1. A definite diagnosis of cardiomyopathy by a Consultant Cardiologist. There must be clinical impairment of heart function resulting in the permanent loss of ability to perform physical activities to at least Class 3 of the New York Heart Association classifications of functional capacity*.

22.10.2. For the above definition, the following are not covered:

  • Cardiomyopathy secondary to alcohol or drug abuse.
  • All other forms of heart disease, heart enlargement and myocarditis.

* NYHA Class 3. Heart disease resulting in marked limitation of physical activities where less than ordinary activity causes fatigue, palpitation, breathlessness or chest pain.

22.11. Coma – with associated permanent symptoms

22.11.1. A state of unconsciousness with no reaction to external stimuli or internal needs which:

  • requires the use of life support system or
  • results in permanent neurological deficit with persisting clinical symptoms.

22.11.2. For the above definition, the following is not covered:

  • Coma secondary to alcohol or drug abuse.

22.12. Coronary artery by-pass grafts

22.13.1. The undergoing of surgery on the advice of a Consultant Cardiologist to correct narrowing or blockage of one or more coronary arteries with by-pass grafts.

22.13. Deafness – permanent and irreversible

22.14.1. Permanent and irreversible loss of hearing to the extent that the loss is greater than 70 decibels across all frequencies in the better ear using a pure tone audiogram.

22.14. Dementia including Alzheimer’s Disease – resulting in permanent symptoms

22.14.1. A definite diagnosis of Dementia, including Alzheimer’s disease, by a Consultant Neurologist, Psychiatrist or Geriatrician. There must be permanent clinical loss of the ability to do all of the following:

  • Remember;
  • To reason; and
  • To perceive, understand, express and give effect to ideas

22.15. Devic’s disease (Neuromyelitis Optica) – with persisting symptoms

22.16.1. A definite diagnosis of Devic’s disease by a Consultant Neurologist. There must be current clinical impairment of motor or sensory function, which must have persisted for a continuous period of at least 3 months.

22.16. Heart attack – of specified severity

22.16.1. Death of heart muscle, due to inadequate blood supply, that has resulted in all of the following evidence of acute myocardial infarction:

  • New characteristic electrocardiographic changes.
  • The characteristic rise of cardiac enzymes or Troponins
  • The evidence must show a definite acute myocardial infarction.

22.16.2. For the above definition, the following are not covered:

  • Other acute coronary syndromes including but not limited to angina.
  • Angina without myocardial infarction

22.17. Heart valve replacement or repair

22.18.1. The undergoing of surgery on the advice of a Consultant Cardiologist to replace or repair one or more heart valves.

22.18. HIV infection – caught from a blood transfusion, physical assault or accident at work

22.18.1. Infection by Human Immunodeficiency Virus resulting from:

  • a blood transfusion given as part of medical treatment;
  • a physical assault; or
  • an incident occurring during the course of performing normal duties of employment;

22.18.2. After the start of the Plan and satisfying all of the following:

  • The incident must have been reported to appropriate authorities and have been investigated in accordance with the established procedures.
  • Where HIV infection is caught through a physical assault or as a result of an incident occurring during the course of performing normal duties of employment, the incident must be supported by a negative HIV antibody test taken within 5 days of the incident.
  • There must be a further HIV test within 12 months confirming the presence of HIV or antibodies to the virus.
  • The incident causing infection must have occurred in the UKor EU

22.18.3. For the above definition, the following is not covered:

  • HIV infection resulting from any other means, including sexual activity or drug abuse.

22.19. Kidney failure – requiring permanent dialysis

22.19.1. Chronic and end stage failure of both kidneys to function, as a result of which regular dialysis is permanently required.

22.20. Liver failure – of advanced stage

22.20.1. A definite diagnosis, by a consultant physician, of irreversible end stage liver failure due to cirrhosis resulting in all of the following:

  • permanent jaundice
  • ascites
  • encephalopathy

22.20.2. For the above definition, the following are not covered:

  • Liver disease secondary to alcohol or drug abuse.

22.21. Loss of a hand or foot – permanent physical severance

22.21.1. Permanent physical severance of a hand or foot at or above the wrist or ankle joint.

22.22.Loss of speech – total permanent and irreversible

22.22.1. Total permanent and irreversible loss of the ability to speak as a result of physical injury or disease.

22.23. Loss of the physical ability to look after yourself

22.23.1. Losing the physical ability to do at least three of the six tasks listed below with no reasonable prospect of there ever being any improvement. The person must need the help or supervision of another person and be unable to perform the task on their own, even with the use of special equipment routinely available to help.

  1. Washing– the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means.
  2. Getting dressed and undressed– the ability to put on, take off, secure and unfasten all garments and, if needed, any braces, artificial limbs or other surgical appliances.
  3. Feeding yourself– the ability to feed yourself when food has been prepared and made available.
  4. Maintaining personal hygiene– the ability to maintain a satisfactory level of personal hygiene by using the toilet or otherwise managing bowel and bladder function.
  5. Getting between rooms– the ability to get from room to room on a level floor.
  6. Getting in and out of bed– the ability to get out of bed into an upright chair or wheelchair and back again.

22.24. Major organ transplant – from another donor

22.24.1. The undergoing as a recipient of a transplant from another donor of:

  • bone marrow; or a complete heart, kidney, pancreas, lobe of the liver or lung, or inclusion on an official UKwaiting list for such a procedure.

22.24.2. For the above definition, the following is not covered:

  • Transplant of any other organs, parts of organs, tissues or cells.

22.25. Motor neurone disease – resulting in permanent symptoms

22.25.1. A definite diagnosis of motor neurone disease by a Consultant Neurologist. There must be permanent clinical impairment of motor function.

22.26. Multiple sclerosis – with persisting symptoms

22.26.1. A definite diagnosis of multiple sclerosis by a consultant neurologist. There must have been clinical impairment of motor or sensory function caused by multiple sclerosis.

22.27. Open (structural) heart surgery – with surgery to divide the breastbone

22.27.1. The undergoing of surgery requiring median sternotomy (surgery to divide the breastbone) on the advice of a consultant cardiologist, to correct any structural abnormality of the heart.

22.27.2. The following is not covered:

  • Any percutaneous, transluminal or investigative procedure

22.28. Paralysis of limbs – total and irreversible

22.28.1. Total and irreversible loss of muscle function to the whole of any 1 limb.

22.29. Parkinson’s disease – resulting in permanent symptoms

22.29.1. A definite diagnosis of Idiopathic Parkinson’s disease by a Consultant Neurologist. There must also be permanent clinical impairment that includes bradykinesia (slowness of movement) and at least one of the following:

  • Tremor; or
  • muscle rigidity; or
  • postural instability

22.29.2. For the above definition, the following are not covered:

  • Parkinsonian syndromes including but not limited to those caused by alcohol or drugs.

22.30. Respiratory failure – of advanced stage

22.30.1. Confirmed by a consultant physicians of advanced stage emphysema or other chronic lung disease, resulting in all of the following:

  • The need for regular oxygen treatment on a permanent basis.
  • Evidence that oxygen therapy has been required for a minimum of 6 months
  • The permanent impairment of lung function tests as follows; Forced Vital Capacity (FVC) and Forced Expiratory Volume at 1 second (FEV1) being less than 50% of normal.

22.31. Stroke – resulting in permanent symptoms

22.31.1. Death of brain tissue due to inadequate blood supply or haemorrhage within the skull resulting in either:

  • permanent neurological deficit with persisting clinical symptoms;

or

  • Definite evidence of death of tissue or haemorrhage on a brain scan; and
  • Neurological deficit with persistent clinical symptoms lasting at least 24 hours.

22.31.2. The following are not covered:

  • Transient ischaemic attack
  • Death of tissue of the optic nerve or retina/eye stroke.

22.32. Third degree burns – of specified severity

22.32.1. Burns that involve damage or destruction of the skin to its full depth through to the underlying tissue and covering at least 20% of the body’s surface area or 50% of the surface area to the face.

22.33. Traumatic brain injury – resulting in permanent symptoms

22.33.1. Death of brain tissue due to traumatic injury resulting in permanent neurological deficit with persisting clinical symptoms.

  1. APPENDIX B – Additional Critical Illness Payments Definitions

23.1. Carcinoma in Situ of the breast – with surgery to remove the tumour

23.1.1. Breast cancer in situ positively diagnosed with histological confirmation by biopsy together with the undergoing of surgery to remove the tumour.

23.1.2. The amount payable will be the lower of:

  • 25% of the current amount of Critical Illness cover amount; and
  • £25,000

23.2. Low-grade prostate cancer

23.2.1. Tumours of the prostate histologically classified as having a Gleason score between 2 and 6 inclusive provided the tumour has progressed to a clinical TNM classification between T1N0M0 and T2aN0M0; and the tumour has been treated by one of the following:

  • Complete removal of the prostate
  • External beam or interstitial implant radiotherapy
  • Cryotherapy
  • Hormone therapy
  • High intensity focused ultrasound

23.2.2. For the above definition the following are not covered:

  • Prostate cancers where the treatment is not one of the specified treatments above, or requires observation only.

23.2.3. The Cover Amount payable will be the lower of:

  • 25% of the current amount of Critical Illness cover amount; and
  • £25,000

This document and information about Cignpost Life is also available in other formats.

If You would find it easier in a different format please contact Us:

Phone: 0330 123 3747

E-mail: customerservices@cignpostlife.co.uk

Post: freepost Cignpost Life Customer Service

UK/TL/TC/0002/1218