Life Term COVer - Irish Life · Life Term Cover Time period Jargon-free Cost of cover To provide a...

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Life Term COVerProtecting what’s important

All information including the Terms and Conditions of your plan will be provided in English.The paper in this booklet came from a managed forest.

The information in this booklet is correct on 15 December 2011 but may change.

Aim

Life Term Cover

Timeperiod

Jargon-free

Cost of cover

To provide a lump sum if you die (if you choose life cover) or to providea lump sum if you are diagnosed with a specified illness during the term of your plan (if you choose specified illness cover).

The cost of your cover will stay the same throughout the term of your plan(unless you choose inflation protection for example).

Life cover: Two to 40 years, up to age 80.Specified illness cover: Five to 40 years, up to age 75.

Yes.

Committedto Plain English

There is no financial jargon in this booklet and everything you need to know is written in an upfront and honest way.

We are delighted to have received the ‘Best in Plain English’ Award from the Plain English Campaign. This award recognises our contribution to communicating clearly. For this award, we were chosen ahead of 12,000 other organisations from 80 countries.

1. Introduction 2

• Aboutus

• Ourservicetoyou

2. Life Term Cover 6

• Lifecover

• Lifetermcover–asimpleguaranteedprotectionplan

• Importantpointsyouneedtoknowaboutlifetermcover

• Suitabilitysnapshot

3. Specified illness cover 10

• Specifiedillnesscover(SIC)

• Theillnesseswecover

• Mary’sstory–anexampleofaSICclaim

• ImportantpointsaboutSIC

4. Extra Benefits 17

• Freebenefits

» New–protectionflexibility

» Guaranteedinsurability

» Terminalillness

» Accidentaldeathbenefit

» Children’slifeandSIC

» NurseAssist24/7

» Counsellingservice

• Optionalbenefits

» Inflationprotection(indexation)

» Guaranteedcoveragain(conversionoption)

» Hospitalcash

» Accidentalcash

5. A guide to making a claim 25

6. Specified illness cover 28

• Illnessescoveredbyfullpayment

• Illnessescoveredbypartialpayment

7. Customer information Notice (CIN) 60

Contents

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1 Introduction

About us

We are Ireland’s largest provider of protection and as an Irish company we are 100% focused on meeting the needs of our customers.

Founded in 1939, we’ve been protecting generations of Irish families for over 70 years. We are proud to say that in the last five years alone, we have paid out over €1 billion in protection claims to over 30,000 families.

This booklet will give you details of the benefits available on the Life Term Cover plan. It is designed as a guide that allows us to explain the product to you in short and simple terms. There will be more specific details and rules in your Terms and Conditions Booklet which you should read carefully.

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Our service to you

Putting you first AtIrishLifewearecommittedtoprovidingexcellentcustomerservicetoyouatalltimesfromthemomentyouapplyforcoverrightthroughoutthelifeofyourplan.

Whenyouringus,youwillgetstraightthroughtoouraward-winningserviceteam,basedinIreland,whowillbeonhandtolistentoyourqueriesandhelpyouwhenyouarelookingforanswers.Belowisjustasampleoftheservicesweoffertomaketheprotectionprocessalittleeasierforyou.

Taking out cover has never been easier Wewanttomaketheprocessofapplyingforcoverassimpleandhassle-freeaspossibleforyou.

• Wehaveanelectronicapplicationformthatyourfinancialadvisercanfillinwithyou.Onceyouapplyforcoverusingthis,youradvisershouldknow,within24hours,ifwehaveacceptedyourapplicationatnormalrates(thismeansyouhavenoexistingmedicalconditions)andifnot,whatthenextstepisforyou.

• Youcantrackwhereyourapplicationisatanytimebycontactingyouradviser,orcallinguson017041010.

You can change your mindWewanttomakesurethatyouarehappywithyourdecisiontotakeoutLifeTermCover.Ifaftertakingoutthisplanyoufeelitisnotsuitable,weguaranteetopayallyourmoneybackwithinthefirst30daysafterwesendyoudetailsofyourplan.The30-dayperiodstartsfromthedaywesendyouyourLifeTermCoverwelcomepack.

Keeping it simple – clear communication Becausefinancialproductscanbecomplicatedanddifficulttounderstand,wearecommittedtousingclearandstraightforwardlanguageonallourcommunicationstoyou.Asaresult,weworkwithPlainEnglishCampaigntomakesureallourcustomercommunicationsmeetthehigheststandardsofclarity,opennessandhonesty.

Keeping you up to dateWearecommittedtokeepingyouinformedaboutyourplan.Becauseofthis,everyyearwewillsendyouastatementtotellyouwhatyourprotectionbenefitsare.

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Online services

We have a range of online services available for you.

Youcancheckthedetailsofyourcoveronlinebyvisitingourwebsitewww.irishlife.ieandloggingintoMyOnlineServices.YouwillneedaPIN,whichyouwouldhavereceivedwhenyoustartedyourplan.IfyouhavelostyouPINorneedanewone,contactourcustomerserviceteamon017041010.

Ifyouvisitourwebsite,youcanalsogetaquicklifecoverquoteandgettheinformationyouneedonourrangeofprotectionproducts.Visitwww.irishlife.ieformoredetails.

European Communities (Distance Marketing of Consumer Financial Services) Regulations 2004Ifafinancialserviceorproductisprovidedona‘distancebasis’(inotherwords,withnoface-to-facecontact),wehavetogiveyoucertaininformation.Wehaveincludedthisinformationundervariousheadingsinthisbooklet,inthecustomerinformationnoticeatthebackofthisbooklet,intheTermsandConditionsBookletandinyourtermsofbusinessletter.Allinformation(includingthetermsandconditionsofyourplan)willbeinEnglish.

How to contact usIfyouwanttotalktous,justphoneouraward-winning,Irish-basedcustomerserviceteamon017041010.Theycananswerquestionsaboutyourplan.

Ourlinesareopen:

8amto8pmMondaytoThursday10amto6pmFriday9amto1pmSaturday.Intheinterestofcustomerservice,wewillrecordandmonitorcalls.

Youcanalsocontactusinthefollowingways:

Email: [email protected]

Fax: 017041900

Writeto:Customerserviceteam,1LowerAbbeyStreet,Dublin1.

Website:www.irishlife.ie

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Any problems?Ifyouexperienceanyproblems,pleasecallyourfinancialadviserorcontactourcustomerserviceteam.Wemonitorourcomplaintprocesstomakesureitisofthehigheststandard.Wehopeyouneverhavetocomplain.However,ifforanyreasonyoudo,wewanttohearfromyou.If,havingcontactedthecustomerserviceteam,youfeelwehavenotdealtfairlywithyourquery,youcancontact:

The Financial Services Ombudsman3rdFloorLincolnHouse

LincolnPlace

Dublin2.

Lo-call: 1890882090

Email: [email protected]

Fax: 016620890

Website: www.financialombudsman.ie

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Life Term Cover2Life cover

You never know what’s around the corner or what life will throw at you next. That’s why planning ahead with protection is so important.

Life cover pays your family a lump sum if you die, giving them an income when they need it most. They can use this as they want, to pay bills, loans, or whatever matters most. Most importantly, life cover gives you peace of mind that your family will be secure financially when you are gone.

How much life cover do I need? Yourfinancialadvisercanhelpyouworkouthowmuchlifecoverisappropriatetosuityourneeds.You’llcertainlyneedenoughcoverto:

• payoffyourmortgage;

• payoffotherloansandbills;and

• covertheincomeyourfamilywillneedtoliveon.

Ifyoudon’tearnanincome,butlookafteryourchildrenathome,youneedenoughcovertopaysomeonetodothis.

Life Term Cover – a simple guaranteed protection planWithourLifeTermCoverprotectionplan,youcanhavepeaceofmindthatifyoudieorarediagnosedwithaspecifiedillness,yourfamilywillnothavetostruggletocopefinancially.

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Youcanchoosetotakeoutlifecoverbyitselftocoveryouifyoudie,oryoucanaddanyoftheotherbenefitslistedbelow.

OurLifeTermCoverprotectionplanoffersyouarangeofcoveragainstthingsthatcouldaffectyourfamily’sfutureincome.Itoffersyoufinancialcoveragainst:

• death;

• specifiedillnesses,suchasmalignantcancer,diagnosedheartattackandstroke(permanentsymptoms);

• timespentinhospital;and

• accidents,resultingintimelostfromwork.

Thisplanwillcoveryouforthetermyouchoose.Youmustdecideatthebeginningwhatbenefitsandcoveryouwillneedaftertakingaccountofthelevelofpaymentsyoucanaffordtomake.

BelowarethebenefitsavailableunderaLifeTermCoverplan

A Life cover Pays your family a lump sum if you die.

B Specified illness cover

Pays you a lump sum if you are diagnosed with one of the 38 conditions we cover. We will also make one partial payment on a further 13 conditions. Please see section 4 for details.

C Hospital cash cover

Pays you a daily amount while you are in hospital.

D Accident cash cover

Pays you a weekly amount if you can’t work because of an accident.

E Inflation protection (indexation)

This allows you to increase your cover every year in line with inflation.

F Guaranteed cover again

This allows you to change your cover to another guaranteed plan, at any stage throughout your plan, without you needing to give us any new evidence of your health.

How much do I pay? Theamountyoupaywilldependon:

• yoursex;

• yourage;

• yourhealth;

• whetheryousmoke;

• howmuchprotectionyouwant;and

• howlongyouwantthecoverfor.

Theminimumyoucanpayeachmonthis€15.

How do I pay? Wewanttomakepayingashassle-freeaspossible.Asaresult,withLifeTermCoveryoupaybydirectdebit.Youcanchoosetopayasetamounteverymonth,everythreemonths,everysixmonthsoreveryyear.

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Who will the life cover protect? Youcanprotect:

• yourself(singlecover),whichmeanswecouldmakethelump-sumlifecoverpaymentifyoudiewithinthetermoftheplan;or

• yourselfandyourpartner(dualcover),whichmeansthatwecouldmakethepaymenttwice,onceifyoudiewithinthetermoftheplanandonceifyourpartneralsodieswithinthetermoftheplan.

Ifyoutakeoutlifecover,yourchildrenareautomaticallycoveredforthebenefitsyouarecoveredfor.

How long will I be covered for? IfyoutakeoutLifeTermCover,youdecidehowlongyouwanttobeinsuredfor(betweentwoand40years).However,LifeTermCovercannotcontinueafteryour80thbirthday.Attheendoftheperiodofcoveryouhavechosen,youwillnolongerbeprotected.

If you feel the Life Term Cover plan may not be suitable for you, please speak to your financial adviser about the excellent range of products we offer.

Important points you need to know about Life Term Cover • Ifyoudiewithinthetermoftheplan,wewillpayoutalumpsum.

• Youmustbeaged18to77tostartthiscover.

• Themaximumtermforlifecoveris40yearsoruptoage80,whicheverisearlier.

• Theamountyoupayisguaranteedtostaythesameforthewholeperiodyouareinsuredfor(unlessyouchoosetheinflationprotectionoption).

• Ifyoustopmakingyourregularpayments,youwillnolongerbeprotectedandwewillnotreturnyourmoneytoyou.

• Ifyouchoose‘guaranteedcoveragain’,youcanchangeyourcovertoanotherguaranteedplan.Pleaseseethe‘Extrabenefits’sectiononpage17formoreinformationonthis.

• Wewillnotpayclaimsincertaincircumstances.Forexample,ifyouhavenotgivenusfullinformationaboutyourhealth,occupation,pastimesorhobbies.(Youwillfindasummaryofthesesituationsinthesectionattheendofthisbooklet.)

• YoucannotcashinaLifeTermCoverplan,itisnotasavingsplan.

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Suitability snapshot

Life Term Cover might suit you if you:

✓✓are aged 18 to 77;

✓✓want a guaranteed protection plan with payments that don’t change – unless you choose the indexation option;

✓✓can afford regular payments of at least €15 a month;

✓✓want life cover for two to 40 years and/or Specified Illness cover for five to 40 years (or both);

✓✓want other optional benefits including: hospital cash cover, accident cash cover, indexation and guaranteed cover again;

✓✓want free benefits including children’s cover, terminal illness cover and guaranteed insurability;

✓✓are using it for mortgage protection and want mortgage cover that gives you some excess cover as your mortgage reduces.

Life Term Cover might not suit you if you:

✓✗ are younger than 18 or older than 77;

✓✗ are looking for a plan with flexible payments;

✓✗ have less than €15 a month available to pay for cover; and

✓✗ are using it for mortgage protection and want the cheapest mortgage protection cover available.

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3Specified illness cover

Specified illness cover is a benefit which pays you a lump sum if you are diagnosed with one of 38 conditions we cover. You can use this lump sum to help maintain you and your family’s standard of living, pay for medical bills and help you cope during a difficult time. What’s more, because you may have to adapt your house to make your day-to-day life easier, specified illness cover could help with these outgoings too.

Specified illness cover will also provide you with a partial payment for a further 13 conditions. The partial payment is €15,000 or half your specified illness benefit amount, whichever is lower. However, for coronary angioplasty the partial payment is €40,000, or 75% of your specified illness cover amount - whichever is lower. Please see page 13 for details.

Specified Illness Cover

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How can I buy Specified Illness Cover? Youcanchoosetobuyspecifiedillnesscoverinthefollowingways:

1. Stand-alonespecifiedillnesscover(byitself)

2. Independentspecifiedillnesscover(withlifecover)or

3. Acceleratedspecifiedillnesscover(whichyouhavetotakeoutwithlifecover).

Ifyouchoosetotakeoutspecifiedillnesscover,youarealsoentitledtoanindependentpartialpaymentonthe13conditionslistedonpage13.

Specified illness cover protects• yourself(singlecover),

• youcanprotectyouandyourpartner(dualcover),

• youcanalsoprotectyourchildren.Ifyoutakeoutspecifiedillnesscover,foraslongasyouarecovered,wewillcovereachofyourchildrenbetweentheagesofoneand21,for€25,000orhalfyourspecifiedillnessbenefitamount,whicheverislower.

How long will I be covered for?Ifyoutakeoutspecifiedillnesscoverithastobeforatleast5yearsbutnolongerthan40yearsuptoyour75thbirthday.

How much cover do I need? Ifyoutakeoutspecifiedillnesscover,attheveryleast,youneedenoughcoverto:

1. payoffyourmortgage;

2. payoffotherloansandbills;and

3. keepyougoinguntilyougetbackonyourfeet(onaveragewewouldrecommendtwiceyouryearlysalary).

The illnesses we cover Wehaveidentified38conditionsthatcouldchangeyourlifesomuchthatyouwouldneedfinancialhelp.Withinthiswehaveaconditioncalled‘lossofindependence’.Weincludethisconditiontomakeyourtotalcovermorewide-ranging.Itwillbeparticularlyvaluableasyougetolder.

Wehavealsoidentifiedafurther13conditionsthatwewillmakepartialpaymentson.

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Listed below are the 38 conditions we cover for full payment. You will find detailed descriptions of these from page 28 onwards.1. Alzheimer’sdisease

2. Aortagraftsurgery

3. Aplasticanaemia

4. Bacterialmeningitis

5. Benignbraintumour

6. Benignspinalcordtumour

7. Blindness

8. Cancer(malignant)

9. Cardiacarrest-withinsertionofadefibrillator

10.Cardiomyopathy

11.Coma

12.Coronaryarterybypassgraft

13.Creutzfeldt-Jakobdisease

14.Deafness

15.Dementia

16. Encephalitis

17.Heartattack(diagnosed)

18.Heart-valvereplacementorrepair

19.Heartstructuralrepairwithsurgerytodividethebreastbone.

20.HIVinfectioncaughtintheEuropeanUnion,NorthAmerica,AustraliaandNewZealandfromabloodtransfusion,aphysicalassaultoratworkinaneligibleoccupation

21.Kidneyfailure

22.Liverfailure

23.Lossofindependence

24.Lossoflimbs

25.Lossofspeech

26.Majororgantransplant

27.Motorneuronedisease

28.Multiplesclerosis

29.Paralysisoflimbs

30.Parkinson’sdisease(idiopathic)

31.Primarypulmonaryhypertension

32.Progressivesupranuclearpalsy

33.Pulmonaryarterysurgery

34.Respiratoryfailureofspecifiedseverity

35.Severeburnsorthird-degreeburns

36.Stroke–permanentsymptoms

37.Systemiclupuserythematosus

38.Traumaticheadinjury

Wedonotmakeafullpaymentforanyotherconditions.

Onceyouclaimforyourfullspecifiedillnesscover,yourspecifiedillnesscoverendsandyoucannotmakeanyfurtherspecifiedillnessclaims,includingapartial-paymentclaim.

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Listed below are the 13 conditions we cover for partial payment. You will find detailed descriptions of these from page 52 onwards.

1. Brainabscessdrainedusingacraniotomy

2. Carcinomainsitu–oesophagus,treatedbyspecificsurgery

3. Carotidarterystenosis(treatedbyendarterectomyorangioplasty)

4. Cerebralarteriovenousmalformation–treatedbycraniotomyorendovascularrepair

5. Coronaryangioplasty–totwoormorecoronaryarteries

6. Ductalcarcinomainsitu–breast,treatedbyspecificsurgery

7. Lossofonelimb

8. Low-levelprostatecancerwithspecifictreatment

9. Seriousaccidentcover-28consecutivedaysinhospital

10.Severeburnsorthird-degreeburnscoveringatleast5%ofthebody’ssurface

11.Significantvisualimpairment-permanentandirreversible

12.Singlelobectomy

13.Surgicalremovalofoneeye

Partial payment Atthetimeofsufferinganillnessweknowthatthelastthingyouwanttoworryaboutisyourfinances.Wehaveidentified13conditionsthatwewillmakeanextraseparatepartialpaymentonifyouhavespecifiedillnesscover.Thispartialpaymentis€15,000orhalfofyourspecifiedillnesscoveramount,whicheverislower.Forcoronaryangioplasty,thepartialpaymentis€40,000or75%ofyourspecifiedillnesscoveramount,whicheverislower.

Thepartialpaymentontheseillnessesistotallyseparatefromyourmainspecifiedillnesscoverbenefit.Thatmeansitdoesnotgenerallyaffecttheamountyoucouldreceiveifyouneedtomakeaspecifiedillnessclaimforoneofthe38conditionswecoveronafullpaymentbasisatalaterdate.

Wewillonlymakeonepartialpaymentforeachpartialillnesscovered,foreachpersonunderanyspecifiedillnesscoverplan.Thetotalamountofpartialpaymentsislimitedtoyourspecifiedillnessbenefitamount.

Forexample,ifyouwerediagnosedashavingoneofthe13conditionswecoverforpartialpayment,andyoureceivedthepartialpayment,ifatalaterdateyouwerediagnosedashavingoneofthe38conditionswecoveronthefull-paymentbasis,youwouldstillgenerallyreceivethefullspecifiedillnesscoverbenefit.

Forseriousaccidentcoveronlyonepartialpaymentwillbepaidresultingfromthesameaccident.

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Mary’s storyThis is how specified illness cover can help you in your time of need

Mary is aged 57 and has €100,000 of Specified illness cover with us.

Maryisdiagnosedwithabrainabcess,whichisoneofthe13conditionswecoverforpartialpayment.

• WepayoutonepartialpaymenttoMaryanditwillnotaffecttherestofherspecifiedillnesscover.

• Maryreceives€15,000asapartialpayment.

Maryisthendiagnosedwithmalignantcancer,whichisoneofthe38conditionswecoverforfullpayment.

• WepayMary€100,000inspecifiedillnesscover.

• Oncewehavepaidthis,Maryhasnospecifiedillnesscoverleft.

Paying surgery benefit immediately Ifyouarediagnosedasneedingaortagraftsurgery,coronaryarterybypassgraftorheart-valvereplacementorrepairorheartstructuralrepair(withsurgerytodividethebreastbone)andyouhavegivenustheevidenceweneedaboutyourcondition,wewillpayyourspecifiedillnesscover(upto€30,000)immediately.Weprovidethisbenefitautomaticallywithspecifiedillnesscover.Itmeansthatyouwillhaveacashlumpsumtohelpyoudecidewhenandwhereyouwillhaveyoursurgery.Wewilltaketheamountwepayfromyourtotalspecifiedillnessbenefit.

Inadditionifyouarediagnosedasneedingamajororgantransplant,wewillpayoutyourfullspecifiedillnesscoveramountupfront.Youwillfindfulldefinitionsofthesurgerywecoverinyourtermsandconditionsbooklet.

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Important points about specified illness cover • Youmustbeagedbetween18and59totakeoutspecifiedillnesscover.

• Wewillnotpaythespecifiedillnesscoverifyoudieduringthetermofyourplan,onlyifyouarediagnosedwithoneofthe38conditionswecover.

• Atthestartofyourplanwemaynotagreetocoveryouagainstalltheseillnesses.Ifthisisthecase,wewilltellyouandwewillrefertoitinyourplanschedule.

• Ifyousufferfromanillnesswedonotcover,wewillnotmakeanypayment.

• Ifyouhavechildren,theyarealsocoveredforonepartialpaymentof€7,500orhalfyourspecifiedillnessbenefitamount,whicheverislower.Formoreinformation,pleaseseeyourtermsandconditions.

• Thepartialpaymentistotallyseparatefromyourmainspecifiedillnesscoverbenefit.However,youcannotclaimunderboththepartialpaymentspecifiedillnesscoverbenefitandafullspecifiedillnesscoverbenefitforrelatedconditionsifthediagnosesoreventsleadingtoaclaimarewithin30daysofeachother.Inthesecircumstances,thetotalamountwepaywillbethefullpaymentspecifiedillnesscoverbenefit.Pleaseseeyourtermsandconditionsfordetails.

• Youcanonlyreceiveonepartialpaymentforeachillness.Ifyousuffermorethanoneoftheconditionswepaypartialbenefitfor,wewillpaythebenefitforeachoneuntilwereachthemaximumforyourspecifiedillnesscover.Iftheclaimsarefromasingleeventordiagnosis,wewillonlymakeonepartialpayment.

• Onceyouclaimyourfullspecifiedillnesscoverpayment,youwillhavenospecifiedillnesscoverleftandnooptiontoclaimforapartialpayment.

• Weguaranteetherateswechargewon’tchangeoverthelifetimeofyourplan.Thismeansyourpaymentwillnotchange(apartfromanyindexationchangesyouchoose)soyouwillalwaysknowhowmuchyourregularpaymentswillbe.

• Ifyoustopmakingyourpayments,youwillnolongerbeprotectedandwewillnotreturnanymoneytoyou.Youcannotcashinyourplan.Itisnotasavingsplan.

• Ifyouarediagnosedasneedingoneofthefourtypesofsurgerywecover,wewillpay€30,000straightawayoryourspecifiedillnesscoveramount,whicheverislower.

• Ifyouhaveindependentspecifiedillnesscover,wewillonlypayaclaimifyousurviveforatleast14daysafterhavingthesurgeryorbeingdiagnosedashavingoneoftheillnesses.Thisislongerforcertainillnesses.Youwillfindmoredetailsoneachoftheillnessesfrompage28onwards.

• Wewillnotpayclaimsincertaincircumstances,forexampleifyouhavenotgivenusfullinformationaboutyourhealth.Youwillfindasummaryofthesesituationsinthe‘Guidetomakingaclaim’section.

• Ifyouchooseguaranteedcoveragain,youcanconvertyourcovertoanotherguaranteedplan.Pleaseseethe‘AddedbenefitswithLifeTermCover’sectionformoreinformationonguaranteedcoveragain.

continued overleaf15

Important points about specified illness cover • Wedomakeachargeifyouchoosethespecifiedillnesscoveroption.

• Themaximumtermforspecifiedillnesscoveris40years.

• Specifiedillnesscoverwillendontheplananniversarybeforeyour75thbirthday.

• Thisappliesevenifyouhavechosenlifecoveruntilyour80thbirthday.

• Forseriousaccidentcover,wewillonlypayoneamountfullorpartialthatarisesfromthesameevent.

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4 Extra Benefits

There is a wide range of free benefits and optional benefits that are available with Life Term cover, we have explained them in this section.

Free Benefits

NEW- protection flexibility

We know that when you take out one of our plans, sometimes your needs and circumstances can change. So, up to the fifth policy anniversary, we have introduced a flexibility option into our Life Term plans. This allows you to make significant changes to your level of benefits or the term of your benefits without going through the hassle of cancelling your existing

plan and taking out a new one. This flexibility option is free. However, when you change your benefits or plan term we will work out a new plan premium at that time. This may mean it goes up or down.

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With this new flexibility option you can:

• reduceorincreasethetermofyourplan;and

• reduceorincreaseyourexistingcover.

Themainrulesapplytotheflexibilityoptionareasfollows:

• Youcanonlychangethetermiftheoriginaltermyouchosewasmorethan10years.

• Toincreasebenefitorextendtheterm:

» youmustbeagedunder50;

» yourcurrentlifecovermustnotbemorethan€500,000foreachlifecovered,and€300,000forspecifiedillnesscover.

• Youcannotincreaseyourbenefitbymorethan20%ofthecurrentbenefit.

• Youcannotextendthetermbymorethanfiveyears.

• Youcanonlyincreaseabenefit,orextenditsterm,oracombinationofboth,once.

Therearedetailedrules,restrictionsandrequirementsrelatedtothisfunctionalitysetoutinyourtermsandconditions.

Guaranteed InsurabilityThisfreebenefitisavailableonbothlifeandspecifiedillnesscoverplans.

Ifyoustartlifecoverandbeforetheageof55youthengetmarried,haveachild,takeoutaneworextramortgageorgetanincreaseinsalary,youcanaskustosetupanewlifecoverplanfor:

• €125,000;

• halfofyourcurrentbenefit;or

• halfofyouroriginalbenefit;

whicheverislower.

Youwon’thavetoprovideanyinformationaboutyourhealth.

Thisoptionisonlyavailabletwice.Pleaseseeyourtermsandconditionsbookletfordetailedinformation.

Early payment if you are diagnosed with a terminal illnessAterminalillnessisaconditionthat,intheopinionoftheappropriatehospitalconsultantandourchiefmedicalofficer,meetsbothofthefollowing:

• Theillnesshaseithernoknowncureorhasprogressedtoapointwhereitcannotbecured.

• Theillnessisexpectedtoleadtoyourdeathwithin12months.

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Life cover

Ifyouhavelifecoverandarediagnosedashavingaterminalillness,wewillpayuptoyourfulllifecoverbenefitstraightaway.

Specified illness cover

Ifyouhavestand-alonespecifiedillnesscover(whichmeansyouhavenolifecoveronthisplan)andyouarediagnosedashavingaterminalillness,wewillpay€15,000ofyourspecifiedillnesscoverstraightawayorhalfyourspecifiedillnessbenefitamount,whicheverislower.

Thisisanacceleratedbenefit,sothespecifiedillnesscoveryouhaveleftwillreducebythisamount.Wewillpaythisbenefitonlyiftheterminalillnessdoesnotarisefromoneofthe38conditionswecoveronafull-paymentbasis.

Pleaseseeyourtermsandconditionsbookletfordetailedinformation.

Accidental death benefit Thisisatemporaryautomaticbenefitavailablewhileyouareintheprocessoftakingoutlifecover.Wewillpaythedeathbenefit(upto€150,000)ifyoudieasaresultofanaccident.

Itcoversyoufromthetimewereceiveyourfilled-inapplicationform,untilanyoneofthefollowinghappen:

• Weacceptyourapplication.

• Weofferspecialterms.

• Werefuseyourapplication.

• Wepostponeyourapplication.

• 30dayshavepassed.

Youcanonlytakeadvantageofthisbenefitifyouareyoungerthan55.Oncewehaveacceptedyouforlifecover,thisbenefitwillstopandyourregularlifecoverstarts.

Children’s life and specified illness cover

Life cover

• Ifyoutakeoutlifecover,wealsoautomaticallycovereachofyourchildrenunder21for€6,000lifecoverforaslongasyouarecovered.

• Duringthefirstsixmonths,weonlycoverthemforaccidentaldeath.

• Wewillonlypayoneclaimforeachchildnomatterhowmanyplansyouhavewithus.

Specified illness cover

• Yourchildrenbetweentheagesofoneand21arecoveredforupto€25,000orhalfofyourspecifiedillnessbenefitamount,whicheverislower,foraslongasyouarecovered.

• Wewillcoverthemforthesameillnessesyouarecoveredfor.

• Ifyouhavemorethanoneplanwithus,wewillpayonlyoneclaimforeachchild.

• Theymustalsoliveforatleast14daysaftertheyhavebeendiagnosedorhavehadsurgery.

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• Yourchildrenarealsocoveredforapartialpaymentof€7,500orhalfyourspecifiedillnessbenefitamount,whicheverislower,forthe13illnessesshownonpage13.

» Wewillpayonlyonepartialpaymentforeachchild,evenifyouhavemorethanonecontractwithus.Ifatalaterdatethechildisdiagnosedwithoneofthe38conditionswecover,wewouldstillpaythefullchildspecifiedillnesscoveramount.

Aswedonotaskforanymedicaldetailsaboutyourchildrenbeforeweincludetheminyourplan,wewillnotpayaclaim:

• thatarisesasaresultofanymedicalconditiontheyhavehadsincebirthoriftheyhadsignificantsymptomsofit;or

• foranymedicalconditionyouknewaboutbeforetheyreachedtheageofoneorbeforethespecifiedillnesscoverstarted.

Formoreinformation,pleaseseeyourtermsandconditionsbooklet.

NurseAssist 24/7Thisfreebenefitisavailableonlifeandspecifiedillnesscoverplans.

Thisfree,confidentialserviceallowsyoutophoneateamoftrainednurseswhocanhelpyouanswerafullrangeofquestionsorconcernsyoumighthaveaboutyourfamily’shealth.

YoucancallNurseAssist24/7on1850228833atanytime,dayornight.Youwillneedtogivethemyourmembernumber,whichisthesameasyourLifeTermCoverplannumber.Thiswillbeonyourwelcomepack.

NurseAssist24/7isaconfidentialadvisoryservice.Itisnotdesignedtoreplaceyourdoctor.Theteamofnurseswillnothaveaccesstoyourplandetailsorapplicationform.

Counselling serviceIfyouoryourfamilyaremakingaclaimtohelpyouduringthisdifficultperiod,weofferyouuptothreefreecounsellingsessionswiththeClanwilliamInstitute.TheClanwilliamInstituteisaregisteredIrishCharitythatwasestablishedin1982.TheInstituteprovidescounsellingandpsychotherapyservicesforindividuals,couplesandfamilieswhoaregoingthroughdifficultiessuchasseriousillnessandbereavement.Formoreinformationvisitwww.clanwilliam.ie.

Ifyouwouldliketousethisservice,pleasecontacttheClanwilliamInstitutetoarrangeanappointmenton016761363or016762881.

AnycounsellingsessionsyouhavewiththeClanwilliamInstitutewillbestrictlyconfidential.

TheClanwilliamInstitutehasofficesinDublin,Portlaoise,Kilkenny,Wexford,Dundalk,Wicklow,Roscommon,Galway,Sligo,Nenagh,Roscrea,Limerick,CorkandDungarvan.

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Optional benefits

Aswellasthelifecoverandspecifiedillnesscoverbenefits,wehavesomeotherbenefitsyoumaychoosetotakeoutonyourLifeTermCoverplan.Wehaveoutlinedthesebenefitsinthissection.Youwillfindmoreinformationinyourtermsandconditionsbooklet.Youwillpayextrafortheseoptions.Pleasespeaktoyourfinancialadviserformoreinformation.

Inflation protection (indexation)Thisoptionallowsyoutoincreaseyourcovereveryyear(tokeepinlinewiththecostofliving).And,youdonothavetoprovideevidenceofyourhealth.Thisisoftencalled‘indexation’.

Why do I need inflation protection?

Thisoptionprotectstherealvalueofyourcoverastimepasses.Ifyoudonottakethisoption,yourcoverwillstaythesamethroughoutthetermofyourplan.

How inflation protection works

• Youwillhavetopayanextrachargeforthisbenefit.Thisextrachargewilldependonyourageandthetermofyourplan.

• Atthemomenttheamountyouarecoveredforwillincreaseby5%ayear.Yourpaymentwillgoupby8%eachyeartoreflecttheextracoverandthefactthatyouareolder.

• Ifyourefusethisoptiontwoyearsinarow,wewillnotofferyouanyfurtherincreases.

Guaranteed cover again (conversion option) Guaranteedcoveragainallowsyoutoconvertyourcovertoanotherplanatanystagethroughoutthetermofyourplan.And,youdonothavetoprovideanynewevidenceofhealth.

Why do I need guaranteed cover again?

Infutureyearsyoucangetcoverwithoutprovidingevidenceofyourhealth.

How guaranteed cover again works

• Ifyouwanttoconvertyourcover,youcantakeoutanewplanwithguaranteedregularpayments.

• Youmustbeaged18to60tochoosethisoption.

• Theoptiontoconvertcoverdoesnotincludeanyinflationprotectionontheextendedcover.

• Theoptionwillapplytoalifecoversumassuredofnomorethan€5,000,000andaspecifiedillnesscoversumassuredofnomorethan€1,000,000.Theselimitsapplytothetotalcoverextendedacrossallthepoliciesyouhavewithus.Thepaymentsyoumakewillreflectthis.

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• Thisoptiontoconvertcoverappliestolifeandspecifiedillnesscoverbutdoesnotapplytoyourhospitalcashcoveroraccidentcashcoverbenefit.

Hospital cash coverHospitalcashcoverhelpstopaysomeofyourday-to-daybillsifyouareinhospitalforatleastthreedaysinarow(72hours).Thiscashisyours,tax-free,tospendinanywayyouwant.Youarecoveredfor365daysovertheperiodofthecover,whichendsonyourplananniversarybeforeyour60thbirthday.

How does it work?

Wecancoveryouforadailyamountofbetween€70and€260–youchoose.Wepay95%ofallclaimswithinthreedaysofreceivingtheclaimform.What’smore,youcanclaimunderthiscoveraswellasunderanyotherhealthinsurancecoveryoumayhave.

Children’s hospital cash cover

Ifyouchoosetotakeouthospitalcashcover,allyourchildrenagedoneto21getaquarterofyourcoveriftheyareinhospitalfor72hoursormore.Thisappliesaslongasyouarecovered.Thisamountincreasestohalfofyourhospitalcashcoveriftheyareinhospitalfortwoweeksormore.Thisincreaseappliesfromthe15thday.Aswedon’taskforanymedicaldetailsaboutyourchildrenbeforeweincludetheminyourplan,wewillnotpayaclaim:

• thatarisesasaresultofaconditiontheyhavehadsincebirth;

• wheretheyalreadyhadsignificantsymptoms;or

• thatiscausedbyaconditionyouknewaboutbeforetheyreachedtheageofoneorthestartofthehospitalcashcover.

Thetablebelowshowshowmuchwewillpayifyourchildisinhospitalandoneparenthascoverof€200aday.

Length of hospital stay How much we will payTwo days Nothing

Three days €15014 days €70015 days €80020 days €1,300

Ifbothparentshavecoverof€200aday,wewilldoublethesefigures.

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Important notes about hospital cash cover• Youmustbeagedbetween18and54totakeoutthiscover.

• Youmusthaveatleast€25,000lifecovertotakeouthospitalcashcover.

• Youarenotcoveredifyouareinhospitaltobetreatedformentalillness,apsychiatricdisorder,alcoholism,oranysurgerythatisnotmedicallynecessary.

• Wewillnotpayaclaiminthefirsttwoyearsofyourcoverifyouareinhospitalbecauseofanyillnessorconditionwhichyouhad,orknewabout,beforeyourcoverstarted.

• Therearesomeotherreasonswewillnotpayaclaim.Youwillfindtheminthe‘Guidetomakingaclaim’sectiononpage25.

• Wewillnotpayaclaimifyouleavehospitalinlessthan72hours.

Accident cash coverIfyouareoutofworkformorethantwoweeksbecauseofanaccident,ouraccidentcoverwillpayyouaweeklyamountofbetween€120and€400.Wewillpayyoufromthestartofthethirdweekforuptooneyear,oruntilyougobacktowork.Thisamountistax-free.Youcancoveryourselfforupto40%ofyourearningsbeforedeductions.Wewilltakeoffanyotherincomeorsimilarinsuranceyoumayhavefromanypaymentwemakeforaccidentcashcover.

Why do I need accident cash cover?

Nomatterhowcarefulweare,accidentscanhappen-inthehome,inthegarden,playingsport,outandaboutoratwork.Almosthalfofallaccidentshappentopeoplewhenplayingasport.Becauseofthis,itmakessensetobepreparedandinsureyourincomeagainstaccidents.

How does it work?

Ifyouearn€300aweek,youcancoveryourselfforupto€120aweek.Wewillthenpayyouthisuntilyoureturntoworkorforupto52weeks.Thecoverendsontheplananniversarybeforeyour60thbirthday.

Tomakethingseasierforyou,forsomespecificinjurieswewillpayanumberofweeksupfrontwithoutyouhavingtoprovethatyouareoffwork.

Wepay95%ofupfrontpaymentswithinthreedaysofreceivingtheclaimform.

Hereisalistofthoseinjuriesandhowmanyweekswewillpayupfront.

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We will pay four weeks upfront for:

• fracturedvertebrae,ribs,collarbone,jaworskull;or

• adislocatedhip,ankle,elboworshoulder.

• dislocatedshouldersareonlycoveredforoneclaiminanytwo-yearperiod.

We will pay six weeks upfront for:

• afracturedwristorfoot.

We will pay 10 weeks upfront for:

• afracturedarm,ankleorlegbelowtheknee.

We will pay 12 weeks upfront for:

• afracturedlegabovetheknee;or

• anopenfractureoftheskull.

Ifyoucannotworkwhentheseupfrontpaymentsrunout,youcanthenapplyfornormalweeklypayments.Butdon’tforgetthatyouarenotcoveredforyourfirsttwoweeksoffwork.

Forexample,ifyouchoosecoverof€200aweekandbreakyourlegabovetheknee,we’llpayyou€2,400upfront.Thisisforthefirst14weeks(thatis,12weeksplusthefirsttwoweeksthataren’tcovered).Ifyoustillcan’tworkafter14weeks,we’llthenstartpayingyou€200aweekforeachfurtherweekuntilyouarefittogobacktowork.This12-weekperiodcountstowardsthe52-weeklimitoverthelifetimeofyourplan.

Important points about accident cash cover• Youmustbeagedbetween18and54totakeoutthiscover.

• Youmusthaveatleast€25,000lifecovertotakeoutaccidentcashcover.

• Youareonlycoveredifyoucan’tworkasthedirectresultofaphysicalinjuryyouhavereceivedinanaccident.Theremustbenoothercause.Inparticularwewillnotcovermentalillnesses,includingpost-traumaticstress.

• Ifyouareunemployedwhenyoumakeaclaim,wewillreduceyourcover.

• Youarenotcoveredforaccidentsinvolvingamotorcyclethatyouaredriving.

• Therearesomeotherreasonswewillnotpayaclaim.Youwillfindtheminthe‘Aguidetomakingaclaim’sectiononpage25.

• Ifyouclaim,themostwewillpayis40%ofyourearningsbeforedeductionslessanyotherincomeordisabilityorincapacitycoveryouhavefromanyothersource.

• Noclaimsarepayablewithinthefirst6monthsofcoverotherthanthelumpsumpaymentsforfractures.

• Thereisnocoverforchildrenunderaccidentcashcover.

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A guide to making a claim5

At Irish Life we are committed to taking care of claims as quickly as possible in a professional, polite, sensitive and sympathetic way. With over 70 years’ experience in paying claims, you can rely on us to give you the best service possible.

In the unfortunate event that you or your family have to make a life or specified illness cover claim, take a look below at the best way to go about it.

In the last five years alone we have paid over €1 billion in protection claims to thousands of families!

How to make a life cover claim• Whenyourpersonalrepresentativesneedtomakeaclaim,theyshouldcontactyourfinancialadviserorourcustomerserviceteamon017041010.

• Wewillsendthemaclaimformandexplainwhattodo.Wewillalwaysneedafilled-inclaimform,theplanschedule,andtheoriginaldeathcertificate.

• Insomecircumstances,wewillneedacertifiedcopyofthewillandgrantofprobate.Ifthereisnowill,wemayneedlettersofadministration.Itisourpolicytostartpayinginterestonanylifecoverclaimfromtwomonthsafterthedateofdeath.Thisisinlinewithindustrystandards.

• Whenwereceiveallthedocumentsandinformationweneed,wewillnormallymakeapaymentwithinfivedays.Ifourpaymentisdelayed,asagestureofgoodwill,wewillpayinterestfromthedateofdeathratherthanfromtwomonthsafterthedateofdeath.

• Ifyourbenefithasbeenlegallytransferredtoyourmortgagelender,wewillpaythebenefittothelender.Wedonotpayanyextraclaim

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amounttocoverthelevelofinterestbuiltuponamortgagebetweenthedateofyourdeathandthedatewesettletheclaim.

How do I make a specified illness cover claim? • Ifyouneedtomakeaclaim,contactyourfinancialadviserorourcustomerserviceteam.

• Wewillsendyouaclaimform,askingfordetailsofyourconditionanddetailsofthedoctorsorconsultantsyouhaveseen.Wewilltrytopayallvalidclaimsassoonaspossible.

• Youmustletusknowthatyouaremakingaclaimwithinsixmonthsofwhenyourconditionisdiagnosedorwhenyouhadsurgery.Wewillneedevidencefromyourdoctororconsultant(orboth).Insomecircumstances,wemayaskforothermedicalexaminationsorteststoconfirmthediagnosis.

• Ifyourbenefithasbeenlegallytransferredtoyourmortgagelender,wewillpaythebenefittothelender.Wedonotpayanyextraclaimamounttocoverthelevelofinterestbuiltuponamortgagebetweenthedateyouarediagnosedwithaspecifiedillnessandthedatewesettletheclaim.

Pleaseseewww.irishlife.ie/claims.htmlformoreinformationonclaims.

Situations where we will not pay a claimWehavelistedasummaryofthesesituationsbelow.

Wemayrefusetopayaclaimifyouhavegivenincorrectinformationordidnottellussomethingthatwouldhaveaffectedourassessmentofyourapplicationwhenyoufirsttookouttheplan.Youmusttellus,on

yourapplicationform,everythingrelevantaboutyourhealth,occupation,hobbiesandpastimes.Ifyoudonotandyoumakeaclaim,wemaynotpayyourbenefit.Wewillsendyouasummaryofthemedicalinformationinyourapplicationform.Youshouldcheckthistomakesurethatyouhaveansweredallthehealthquestionsaccurately.

Wewillnotpaylifecoverbenefitif:

• yourdeathiscausedbysuicide,orexecutioninaforeigncountry,withinayearoftheplanstarting.

Wewillonlypayhospitalcashcover,accidentcashcover,specifiedillnessandterminalillnessclaimsif:

• youwerelivingintheEuropeanUnion,Australia,Canada,NewZealand,Norway,SouthAfrica,SwitzerlandortheUnitedStatesofAmerica.Ifyoumoveoutsideofthesecountries,youmustletusknowimmediatelysothatwecandecidewhetheryourbenefitsshouldcontinue.

Wewillnotpayhospitalcashcoveroraccidentcashcoverbenefitsif:

• theinjuryhasbeencausedbywar,riot,revolutionoranysimilareventorbyyoucommittingacrime;

• theconditionwasself-inflictedorcausedbyyoudrinkingalcoholortakingdrugs,orifyoufailedtofollowreasonablemedicaladvice;

• theinjurywascausedbyyoutakingpartinanyofthefollowingactivities;

Abseiling,bobsleighing,boxing,caving,flying(exceptasapayingpassengeronapublicairline),hang-gliding,horseracing,motor-

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carandmotor-cycleracingorsports,mountaineering,parachuting,potholing,powerboatracing,rockclimbingorscuba-diving.

Wewillnotpayspecifiedillnesscoverbenefitfor:

• coma,lossoflimbs,lossofindependence,paralysisortraumaticheadinjury,andwillnotpaylimitedpaymentsforlosingonelimborsurgicalremovalofaneyeinthefollowingsituations:

• iftheinjuryhasbeencausedbywar,riot,revolutionoranysimilareventorbyyoucommittingacrime;

• iftheconditionwasself-inflictedorcausedbyyoudrinkingalcoholortakingdrugs,orifyoufailedtofollowreasonablemedicaladvice;

• iftheinjurywascausedbyyoutakingpartinanyofthefollowingactivities.Abseiling,bobsleighing,boxing,caving,flying(exceptasapayingpassengeronapublicairline),hang-gliding,horseracing,motor-carandmotor-cycleracingorsports,mountaineering,parachuting,potholing,powerboatracing,rockclimbingorscubadiving.

Will any tax have to be paid on the benefits? Usuallytaxdoesnothavetobepaidonlifeorspecifiedillnessbenefits.Insomecircumstancestaxmayhavetobepaidonlifecover.Forexample,ifyoudiewithinthetermoftheplanandyourlifecoverispaidtoyourestate,yourbeneficiariesmayhavetopayinheritancetaxontheproceedsfromtheplan.Youshouldaskyourtaxadviseroryouraccountanttotellyouaboutthetaxsituation.

WewillcollectanyleviesortaxesimposedbytheGovernment.Thecurrentgovernmentlevyonlifeassurancepaymentsis1%(December2011).

Counselling service Tohelpyouduringthisdifficultperiod,weofferyouuptothreefreecounsellingsessionswiththeClanwilliamInstitute.TheClanwilliamInstituteisaregisteredIrishCharitythatwasestablishedin1982.TheInstituteprovidescounsellingandpsychotherapyservicesforindividuals,couplesandfamilieswhoaregoingthroughdifficultiessuchasseriousillnessandbereavement.Formoreinformationvisitwww.clanwilliam.ie.

Ifyouwouldliketousethisservice,pleasecontacttheClanwilliamInstitutetoarrangeanappointmenton016761363or016762881.

AnycounsellingsessionsyouhavewiththeClanwilliamInstitutewillbestrictlyconfidential.

TheClanwilliamInstitutehasofficesinDublin,Portlaoise,Kilkenny,Wexford,Dundalk,Wicklow,Roscommon,Galway,Sligo,Nenagh,Roscrea,Limerick,CorkandDungarvan.

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Specified illness cover definitions6

PlainEnglishCampaign’sCrystalMarkdoesnotapplytothefollowingtext.

Specified illness cover - the conditions we make a full payment on

If you decide to take out specified illness cover under the Life Term Cover plan, we have defined the 38 conditions that you are protected for on the following pages.

Explanatory notesThenotesinthesectionsheaded‘Insimplerterms’aremeanttoprovidealesstechnicalexplanationoftheillnessdefinitions,andsomeofthemedicaltermsusedinthatdefinition.Theyarenotanalternativedefinitionoftheillnessandwillnotbeusedtoassessclaims.Ifthereisanydispute,theillness‘definition’overrulesthe‘Insimplerterms’explanation.

1. Alzheimer’s disease – resulting in permanent symptoms

Plan definition:

AdefinitediagnosisofAlzheimer’sdiseasebyaConsultantNeurologist,PsychiatristorGeriatrician.Theremustbepermanentclinicallossoftheabilitytodoallofthefollowing:

• remember;

• reason;and

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• perceive,understand,expressandgiveeffecttoideas.

Fortheabovedefinition,thefollowingarenotcovered:

• Othertypesofdementia.

In simpler terms:

Alzheimer’sdiseaseoccurswhenthenervecellsinthebraindeteriorateovertimeandthebrainshrinks.Therearevariouswaysinwhichthiscanaffectsomeone,forexample,severelossofmemoryandconcentrationandmentalabilitygraduallyfailing.

AclaimcanbemadeifthelifecoveredhasbeendiagnosedbyaconsultantneurologistorconsultantgeriatricianashavingAlzheimer’sdiseaseandhis/herjudgement,understandingandrationalthoughtprocesshavebeenseriouslyaffected.

2. Aorta graft surgery – for disease or traumatic injury

Plan definition:

Theundergoingofsurgeryfordiseasetotheaortawithexcisionandsurgicalreplacementofaportionofthediseasedaortawithagraft.

Thetermaortaincludesthethoracicandabdominalaortabutnotthebranches.


• Anyothersurgicalprocedure,forexampletheinsertionofstentsorendovascularrepair.

Wealsocoversurgeryfortraumaticinjurytotheaortaneedingexcisionandsurgicalreplacementofaportionoftheaortawithagraft.

In simpler terms:

Theaortaisthemainarteryofthebody.Itsuppliesbloodcontainingoxygentootherarteries.Theaortacanbecomenarrow(oftenbecauseofabuild-upoffattyacidsonitswalls)oritmaybecomeweakenedbecauseofasplit(dissection)intheinternalwall.

Theaortamayalsoweakenbecauseofan‘aneurysm’whichmeansthatthearterywallbecomesthinandexpands.Agraftmightbenecessarytobypassthenarrowedorweakenedpartoftheartery.

Youcanclaimifyouhavehadsurgerytoremoveandreplaceapartofthethoracicorabdominalaorta,tocorrectnarrowingorweakening,withagraft.

Surgerytothebranchesoftheaortaarenotcoveredasthissurgeryisgenerallylesscritical.

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3. Aplastic anaemia - of specified severity

Plan definition:

AdefinitediagnosisbyaConsultantHaematologistofpermanentbonemarrowfailurewhichresultsinanaemia,neutropeniaandthrombocytopeniarequiringtreatmentwithatleastoneofthefollowing:

• Bloodtransfusion.

• Marrowstimulatingagents.

• Immunosuppressiveagents.

• Bonemarrowtransplant.


• Allothertypesofanaemia.

In simpler terms:

Aplasticanaemiaisafailureofthebonemarrowtoproducesufficientbloodcellsforthecirculation.Whenthisfunctionofthemarrowdeclines,themainbloodconstituents(redcells,whitecells,platelets)declineorceaseproductionandtheindividualbecomesprogressivelymoredependentonbloodtransfusions.

YoucanclaimifaConsultantHaematologistdiagnosespermanentbonemarrowfailurewhichistreatedbybloodtransfusion,agentstostimulatethebonemarrow,immunosuppressiveagentsorabonemarrowtransplant.

4. Bacterial Meningitis – resulting in permanent symptoms

Plan definition:

AdefinitediagnosisofBacterialMeningitiscausinginflammationofthemembranesofthebrainorspinalcordresultinginpermanentneurologicaldeficitwithpersistingclinicalsymptoms*.ThediagnosismustbeconfirmedbyaConsultantNeurologist.


• Allotherformsofmeningitisincludingviralmeningitis.

(AdultandChildcover)

*”permanent neurological deficit with persisting clinical symptoms” is defined as:

Symptoms of dysfunction in the nervous system that are present on clinical examination and expected to last throughout the insured person’s life.

Symptoms that are covered include numbness, hyperaesthesia (increased sensitivity), paralysis, localised weakness, dysarthria (difficulty with speech), aphasia (inability to speak), dysphagia (difficulty in swallowing), visual impairment, difficulty in walking, lack of coordination, tremor, seizures, dementia, delirium and coma.

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Thefollowingarenotcovered:-

• Anabnormalityseenonbrainorotherscanswithoutdefiniterelatedclinicalsymptoms.

• Neurologicalsignsoccurringwithoutsymptomaticabnormality,e.g.briskreflexeswithoutothersymptoms.

• Symptomsofpsychologicalorpsychiatricorigin.

In simpler terms:

Bacterialmeningitisisalife-threateningillnessthatresultsfrombacterialinfectionofthemeninges(thethreelayersofmembranethatsurroundthebrainandspinalcord).Inmanycases,itispossibletorecoverfullyfrombacterialmeningitiswithnolastingill-effects.However,iftherewerelastingeffectsasoutlinedabove,wewouldpayaclaim.

Youcanmakeaclaimifaconsultantneurologistdiagnosesbacterialmeningitiswhichresultsinpermanentbrain/nervedamage.Examplesofsuchdamageincludeparalysisoftheleft-orright-handsideofthebodyordisturbedspeechorhearing.Allotherformsofmeningitisincludingviralareexcluded.

5. Benign brain tumour – resulting in permanent symptoms or requiring surgery

Plan definition:

Anon-malignanttumourorcystinthebrain,cranialnervesormeningeswithintheskull,resultinginpermanentneurologicaldeficit

withpersistingclinicalsymptoms*.ThediagnosismustbemadebyaConsultantNeurologistorNeurosurgeonandmustbesupportedbyCT,MRIorhistopathologicalevidence.


• Tumoursinthepituitarygland.

• Angiomas.

Therequirementforpermanentneurologicaldeficitwillbewaivedifthebenignbraintumourissurgicallyremovedortreatedbystereotaticradiosurgery.

*”permanent neurological deficit with persisting clinical symptoms” is clearly defined as:





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In simpler terms:

Abenignbraintumourisanon-cancerousbutabnormalgrowthoftissue.Itcanbeveryseriousasthegrowthmaybepressingonareasofthebrain.

Thesegrowthscanbelife-threateningandmayhavetoberemovedbysurgery.Otherconditionsthatarenotusuallylife-threateningarespecificallyexcluded.Thepituitaryisasmallglandatthebaseofthebrain,andanangiomaisabenigngrowthmadeupofsmallbloodvessels.

Youcanclaimifyouarediagnosedashavingabenignbraintumourofthebrainandhavehadsurgerytohaveitremovedoraresufferingfrompermanentneurologicaldeficitasaresultofthetumour.Examplesoftumourscoveredincludegliomas,acousticneuromasandmeningiomas.Neurologicalsymptomsmustbepermanent.Wedonotcovertumoursorlesionsinthepituitarygland.

6. Benign spinal cord tumour – resulting in permanent symptoms or requiring surgery

Plan definition:

Anon-malignanttumourofthespinalcanalorspinalcord,causingpressureand/orinterferingwiththefunctionofthespinalcordwhichrequiressurgeryorresultsinpermanentneurologicaldeficitwithpersistingclinicalsymptoms*.ThediagnosismustbemadebyaConsultantNeurologistorNeurosurgeonandmustbesupportedbyCT,MRIorhistopathologicalevidence.


• Angiomas.

Therequirementforpermanentneurologicaldeficitwillbewaivedifthebenignspinalcordtumourisremovedbyinvasivesurgeryortreatedbystereotaticradiosurgery.



Symptoms that are covered include numbness, hyperaesthesia (increased sensitivity), paralysis, localised weakness, dysarthria (difficulty with speech), aphasia (inability to speak), dysphagia (difficulty in

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swallowing), visual impairment, difficulty in walking, lack of coordination, tremor, seizures, dementia, delirium and coma.





In simpler terms:

Abenigntumourofthespinalcanalorspinalcordisanon-cancerousbutabnormalgrowthoftissue.Itcanbeveryseriousasthegrowthmaybepressingonareasofspinalcordorspinalcanal.

Youcanclaimifyouarediagnosedashavingabenignspinalcordtumourandhavehadsurgerytohaveitremovedoraresufferingfrompermanentneurologicaldeficitasaresultofthetumour.Neurologicalsymptomsmustbepermanent.Wedonotcoverangiomasofthespinalcordorspinalcanal.

7. Blindness – permanent and irreversible

Plan definition:

Permanentandirreversiblelossofsighttotheextentthatevenwhentestedwiththeuseofvisualaids,visionismeasuredat3/60orworseinthebettereyeusingaSnelleneyechart.

In simpler terms:

Youcanclaimonlyifyouhaveirreversiblelossofsightinbotheyestotheextentthatevenusingeyeglassesorothervisualaids,thesightinyourbettereyeisconfirmedbyanOphthalmologistorConsultantPhysicianas3/60orworseusingtherecognisedsighttestknownastheSnelleneyechart.ASnellenchartisthetestanopticianuses,whereyouareaskedtoreadrowsofletters.3/60isthemeasurewhenyoucanonlyseeatthreefeetawaywhatsomeonewithperfectsightcouldseeat60feetaway.

Itispossibletobe‘registeredblind’(ascertifiedbyaneyespecialist)eventhoughthelossofsightmayonlybepartial.Evenifyouare‘registeredblind’,yourclaimwillonlybemetifthelossofsightmeetsthecriteriaoutlinedinourdefinitionandcannotbecorrected.

8. Cancer – excluding less advanced cases

Plan definition:

Anymalignanttumourpositivelydiagnosedwithhistologicalconfirmationandcharacterisedbytheuncontrolledgrowthandspreadofmalignantcellsandinvasionoftissue.

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Thetermmalignanttumourincludesleukaemia,sarcomaandlymphomaexceptcutaneouslymphoma(lymphomaconfinedtotheskin).


• Allcancerswhicharehistologicallyclassifiedasanyofthefollowing:

» pre-malignant;

» non-invasive;

» cancerinsitu;

» havingeitherborderlinemalignancy;orhavinglowmalignantpotential.

• AlltumoursoftheprostateunlesshistologicallyclassifiedashavingaGleasonscoregreaterthan6(ieGleasonscore7oraboveonly)orhavingprogressedtoatleastclinicalTNMclassificationT2N0M0.

• ChroniclymphocyticleukaemiaunlesshistologicallyclassifiedashavingprogressedtoatleastBinetStageA.

• Anyskincancer(includingcutaneouslymphoma),otherthanmalignantmelanomathathasbeenhistologicallyclassifiedashavingcausedinvasionbeyondtheepidermis(outerlayerofskin)ie>=Clarkslevel2.

• BasalCellCarcinomasandSquamousCellCarcinomasoftheskinarenon-malignantandareexcludedfromthiscover.

• AnybladdercancerunlesshistologicallyclassifiedashavingprogressedtoatleastTNMclassificationT2N0M0.

• Kaposi’ssarcomainthepresenceofanyhumanimmunodeficiencyvirus.

In simpler terms:

Theterm‘cancer’isusedtorefertoalltypesofmalignanttumours(tumourswhichcanspreadtodistantsites)asopposedtobenigntumours(whichdonotspreadelsewhereinthebody).Atumouriscausedwhentheprocessofcreatingandrepairingbodytissuegoesoutofcontrolleadingtoanabnormalmassoftissuebeingformed.

Amalignanttumour:

• Maygrowquickly;

• Ofteninvadesnearbytissueasitexpands;

• Oftenspreadsthroughthebloodorthelymphvesselstootherpartsofthebody;and

• Usuallycontinuestogrowandislife-threateningunlessitisdestroyedorremoved.

Youcanclaimifyouarediagnosedassufferingfromamalignanttumourwhichhasinvadedsurroundingtissue,unlessthetypeofcancerortumourisspecificallyexcluded.Theclaimmustbesupportedbyamicroscopicexaminationofasampleofthetumourcells–thisisknownas‘histology’.Thehistologyexaminationisperformedontissueremovedduringsurgeryorbybiopsy(aproceduretoremoveasampleofthetumourforexamination).

Cancers‘insitu’(cancersinaveryearlystagethathavenotspreadinanywaytoneighbouringtissue)aswellaspre-malignantandnon-invasivetumoursarenotcoveredunderthisdefinition(theymaybecoveredonapartialpaymentbasis,seesection4.7).Thesearewell-recognisedconditionsandcancersdetectedatthisstagearenotlikelytobelife-

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threateningandareusuallyeasilytreated.Anexampleofthiswouldbecarcinoma(cancer)insituofthecervix(neckofthewomb)whichiseasytotreatandcure.

Withincreasedandimprovedscreening,prostatecancerisbeingdetectedatanearlierstage.Atearlystagesthesetumoursaretreatableandthelong-termoutlookisgood.Itisnotpossibletoprovidefullspecifiedillnesscoveragainsttheseearlyprostatecancers.WewillnotpayaclaimforprostatecancerunderthiscancerdefinitionunlessthetumourhasaGleasonscore(amethodofmeasuringdifferentiationincells)ofgreaterthan6(ieaGleasonscoreof7orabove)orithasprogressedtoatleastclinicalclassificationofT2N0M0.Apartialpaymentbenefitmaybeavailablewherealifeassureddoesnotmeetthisdefinition(seesection4.7).The‘Gleasonscore’andthe‘TNMclassification’arewaysofmeasuringanddescribinghowseriousthecanceris,andwhetherithasspreadbeyondtheprostateglandbasedonitsmicroscopicappearance.

Leukaemia(cancerofthewhitebloodcells)andHodgkin’sdisease(atypeoflymphoma)arebothcovered.However,pleasenotethereisarequirementforChroniclymphocyticleukaemiatohaveprogressedtoBinetStageAinorderforaclaimtobeconsidered.

Mostformsofskincancerarerelativelyeasytotreatandarerarelylifethreatening.Thisisbecausetheydonotspreadoutofcontrolanddonotproducegrowthsinotherpartsofthebody.Theonlyformofskincancerthatwecoverismalignantmelanomawhichhasbeenclassifiedasbeinga‘Clarklevel2’orgreater.Clark’ssystemisaninternationallyrecognisedmethodofclassifyingskinmelanomasandusesascaleof1to5.AClarklevel1reflectsaveryearlymelanomawhichcarriesafavourablelong-termoutlook.

Manyformsofbladdercancerhaveaslowcourseovermanyyearsandaremanagedbysurgeryordiathermy(thegenerationoflocalheatinbodytissuesbyhighfrequencyelectromagneticcurrents).Theprognosisforpatientswiththesesuperficialbladdercancersisverygood.TheTNMclassificationsystemisinternationallyrecognizedandusedasamethodofstagingormeasuringatumour.The‘T’elementrelatestotheprimarytumourandisgradedonascaleof1to4–1representsasmalltumourrestrictedtotheorgan.WewillnotpayaclaimforaT1bladdercancerunlesslymphnodesormetastases(thecancerspreading)areinvolvedasmeasuredbythe‘N’and‘M’elementsofTNM.

IfyouareHIV(HumanImmunodeficiencyVirus)positive,youwillnotbecoveredforlymphomaorKaposi’ssarcomaasthesetumoursaredirectlyrelatedtothevirus.

9. Cardiac arrest – with insertion of a defibrillator

Plan definition:

Suddenlossofheartfunctionwithinterruptionofbloodcirculationaroundthebodyresultinginunconsciousnessandresultingineitherofthefollowingdevicesbeingsurgicallyimplanted:

• ImplantableCardioverter-Defibrillator(ICD);or

• CardiacResynchronizationTherapywithDefibrillator(CRT-D)

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Fortheabovedefinitionthefollowingarenotcovered:

• Insertionofapacemaker.

• nsertionofadefibrillatorwithoutcardiacarrest.

• Cardiacarrestsecondarytoillegaldrugabuse.

In simpler terms:

Cardiacarresthappenswhentheheartsuddenlystopsbeating,sometimesbecauseofanabnormalheartrhythm(arrhythmia)orcoronaryheartdisease.Thiscanstoptheheartfrompumpingbloodwhichpreventsoxygenbeingdeliveredtothebody.Lackofoxygentothebraincauseslossofconsciousnesswhichinturnmeansthatyoustopbreathing.Abraininjuryordeathcanoccurifthearrestgoesuntreated.

AdeviceknownasanImplantableCardioverterDefibrillator(ICDorCRT-D)canbeimplantedinsideyourbodywhichwillmonitortherhythminyourheart.Iftherhythmbecomesabnormal,thedevicewilldeliveranelectricpulseorshockwhichwillrestoretherhythmbacktonormalandpreventacardiacarrest.

YoucanclaimifyouhavehadacardiacarrestfollowedbythepermanentinsertionofanICDorCRT-D.AcardiacarrestnotaccompaniedbytheinsertionofanICDorCRT-Disnotcoveredunderthiscondition.Acardiacarrestsecondarytoillegaldrugabuseisnotcoveredunderthiscondition.

10. Cardiomyopathy - resulting in a marked loss of ability to do physical activity

Plan definition:

AdefinitediagnosisofcardiomyopathybyaConsultantCardiologist.TheremustbeclinicalimpairmentofheartfunctionresultinginthepermanentlossofabilitytoperformphysicalactivitiestoatleastClass3oftheNewYorkHeartAssociationclassificationoffunctionalcapacity*.ThediagnosisshouldbesupportedbyacurrentechocardiogramorcardiacMRIshowingabnormalitiesconsistentwiththediagnosisofcardiomyopathy.

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


• Cardiomyopathysecondarytoalcoholordrugabuse.

• Allotherformsofheartdisease,heartenlargementandmyocarditis.

In simpler terms:

Cardiomyopathyisadisorderaffectingthemuscleoftheheart,thecauseofwhichisunknown.Itmayresultinenlargementoftheheart,heartfailure,abnormalrhythmsoftheheart(arrhythmias)oranembolism(blockageofabloodvessel).

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Youcanclaimifyousuffercardiomyopathywhichispermanentandcausingsymptomswhichsignificantlyhinderyournormaleverydayactivities.Toqualifyforpaymentyourphysicalabilitymustbemeasurableandlimitedtoaspecificdegree(NewYorkHeartAssociationClass3).TheNYHAFunctionClassificationisameasureusedtoclassifytheextentofheartfailure.

11. Coma – of specific duration and resulting in permanent symptoms

Plan definition:

Astateofunconsciousnesswithnoreactiontoexternalstimuliorinternalneedswhich:

• Continuesforaperiodofatleast96hours.

• Requireslifesupportingsystemsincludingassistedventilationthroughouttheperiodofunconsciousness.

• Resultsinpermanentneurologicaldeficitwithpersistingclinicalsymptoms*.

Fortheabovedefinition,thefollowingisnotcovered:

• Comasecondarytoalcoholwherethereisahistoryofalcoholabuse.

• Comasecondarytoillegaldrugabuse.








In Simpler terms:

Acomaisastatewhereapersonisunconsciousandcannotbebroughtround.Someoneinacomawillhavelittleornoresponsetoanyformofphysicalstimulationandwillnothavecontroloftheirbodilyfunctions.Comasarecausedbybraindamage,mostcommonlyarisingfromaheadinjury,astrokeorlackofoxygen.

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12. Coronary artery by-pass grafts

Plan definition:

TheundergoingofsurgeryontheadviceofaConsultantCardiologisttocorrectatleast70%narrowingorblockageofoneormorecoronaryarterieswithby-passgraftsviaathoracotomy,athoracoscopeorminithoracotomy.


• balloonangioplasty,atherectomy,insertionofstentsandlasertreatmentoranyotherprocedures.

In simpler terms:

Coronaryarterysurgerymaybenecessaryifoneormorecoronaryarteries(thearterieswhichsupplybloodtotheheart)arenarrowedorblocked.Thesurgeryisdonetorelievethepainofanginaoriftheblockedarteryislife-threatening.

Coronaryarterybypasssurgeryiscarriedoutbytakingavein,normallyfromthethigh,andusingittodirectbloodpastthediseasedorblockedartery.

Youwillbeabletoclaimifyouhaveacoronaryarterybypasssurgeryforischaemicheartdiseaseofatleast70%inoneartery.Youarenotcoveredunderthisdefinitionforanyotherinterventiontechniquessuchasangioplastyorlaserrelief.

13. Creutzfeldt-Jakob Disease – resulting in permanent symptoms

Plan definition:

ConfirmationbyaConsultantNeurologistofadefinitediagnosisofCreutzfeldt-Jakobdiseaseresultinginpermanentneurologicaldeficitwithpersistingclinicalsymptoms*.








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In simpler terms:

CJDisadegenerativeconditionofthebrain.Asthediseaseprogressesmuscularco-ordinationdiminishes,theintellectandpersonalitydeteriorateandblindnessmaydevelop.

YoucanclaimifyourConsultantNeurologistconfirmsthediagnosisofCJDwhichhasresultedinpermanentneurologicaldeficit.

14. Deafness – total, permanent and irreversible

Plan definition:

Permanentandirreversiblelossofhearingtotheextentthatthelossisgreaterthan95decibelsacrossallfrequenciesinthebetterearusingapuretoneaudiogram.

In simpler terms:

Youcanclaimifyouhaveasevereformofdeafness(tothedegreedescribedinourdefinition)asmeasuredbyapuretoneaudiogram.Apuretoneaudiogramisakeyhearingtestusedtoidentifyhearingthresholdlevelsinanindividual.Thetestestablishesthequietestsoundsyouareabletohearatdifferentfrequenciesorpitches.Adecibelisameasureofthevolumeofasound.

Youcannotclaimifyouhavereducedhearinginoneorbothearswhichdoesnotmeetthisdefinition.Youcannotclaimifthedeafnesscanbeimprovedbytheuseofmedicalaids.

15. Dementia – resulting in permanent symptoms

Plan definition:

AdefinitediagnosisofdementiabyaConsultantNeurologist,PsychiatristorGeriatrician.Theremustbepermanentclinicallossofabilitytodoallofthefollowing:

• Remember;

• Reason;and

• Perceive,understand,expressandgiveeffecttoideas.

Fortheabovedefinition,thefollowingisnotcovered

• Dementiasecondarytoalcoholorillegaldrugabuse.

In simpler terms:

Dementiaisatermusedtodescribeanumberofsignsandsymptomscharacterisedbythelossofcognitivefunctioningandintellect,andbehaviouralchanges.Areasofcognitionaffectedmaybememory,concentration,languageandproblemsolving.

Aclaimcanbemadeifthelifecoveredhasbeendiagnosedbyaconsultantneurologistorconsultantgeriatricianorpsychiatrist,ashavingDementiaandhis/herjudgement,understandingandrationalthoughtprocesshavebeenseriouslyaffected.Thesesymptomsmustbepermanent.

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16. Encephalitis – resulting in permanent symptoms

Plan definition:

AdefinitediagnosisofEncephalitisbyaConsultantNeurologistresultinginpermanentneurologicaldeficitwithpersistingclinicalsymptoms*.








In simpler terms:

Encephalitisisanacuteinflammationofthebrain.Theillnesscanvaryfrommildtolife-threatening.Mostpeoplewithamildcasecanrecoverfully.MoreseverecasesofEncephalitismayrecoverbuttheremaybedamagetothenervoussystem.Thisdamagecanbepermanent.

YoucanclaimifyouhaveadiagnosisofEncephalitisconfirmedbyaConsultantNeurologistandwherethereareneurologicalsymptomswhichtheNeurologistdeemstobepermanent.

17. Heart attack – of specified severity

Plan definition:

Deathofheartmuscle,duetoinadequatebloodsupply,thathasresultedinallofthefollowingevidenceofacutemyocardialinfarction:

• Typicalclinicalsymptoms(forexamplecharacteristicchestpain).

• Newcharacteristicelectrocardiographic(ECG)changes.

• ThecharacteristicriseofcardiacenzymesorTroponinsrecordedatthefollowinglevelsorhigher;

» TroponinT>1.0ng/ml

» AccuTnI>0.5ng/mlorequivalentthresholdwithotherTroponin1methods.

Theevidencemustshowadefiniteacutemyocardialinfarction.


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• Otheracutecoronarysyndromesincludingbutnotlimitedtoangina.

In simpler terms:

Aheartattack(myocardialinfarction)happenswhenanareaofheartmusclediesbecauseitdoesnotgetenoughbloodcontainingoxygen.Itisusuallycausedbyablockedarteryandcausespermanentdamagetothepartoftheheartmuscleaffected.Theblockageisusuallycausedbyaclot(thrombosis)wherethearteryhasalreadygrownnarrow.

Toconfirmthediagnosis,yourdoctorwillusuallytestyourheartusingamachinecalledanelectrocardiograph(ECG).Thistellsthedoctoriftherehavebeenanychangesintheheart’sfunctionandifitislikelythataheartattackhasoccurred.

Yourdoctorwillalsotakeabloodsample.Thiscanshowthatmarkersarepresentintheblood(intheformofenzymesorTroponins)atamuchhigherlevelthanisnormallyexpected.

Youcanclaimifyouarediagnosedashavingsuffereddeathofheartmuscle.Yourclaimmustbesupportedbyanincreaseincardiacenzymesortroponinsthataretypicalofaheartattack(releasedintothebloodstreamfromthedamagedheartmuscle)andnewECGchangestypicalofaheartattack.

18. Heart valve replacement or repair

Plan definition:

Theactualundergoingofasurgicalprocedure(includingballoonvalvuloplasty)toreplaceorrepaironeormoreheartvalvesontheadviceofaConsultantCardiologist.

In simpler terms:

Heartvalvesregulateandcontroltheflowofbloodtoandfromtheheart.Thevalvesmaybecomenarroworleak,andifoneofthefourheartvalvesisnotworkingproperly,anoperationmaybenecessarytorepairorreplacethevalve.

YouwillbeabletoclaimifyouundergosurgerytoreplaceorrepairaheartvalveontheadviceofaConsultantCardiologist.

19. Heart structural repair with surgery to divide the breastbone

Plan definition:

Theundergoingofheartsurgeryrequiringmediansternotomy(surgerytodividethebreastbone)ontheadviceofaConsultantCardiologist,tocorrectanystructuralabnormalityoftheheart.

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In Simpler terms:

Structuralabnormalitiesincludeopeningsinthewallseparatingtheleftandrightchambersoftheheart.

YouwillbeabletoclaimifontheadviceofaConsultantCardiologist,youhaveopenheartsurgery(includingsurgerytodividethebreastbone)tocorrectastructuralabnormalityoftheheart.

20. HIV infection – caught in the European Union, North America, Australia and New Zealand, from a blood transfusion, a physical assault or at work in an eligible occupation

Plan definition:

InfectionbyHumanImmunodeficiencyVirusresultingfrom:

• abloodtransfusiongivenaspartofmedicaltreatment;

• aphysicalassault;

• anaccidentoccurringduringthecourseofperformingnormaldutiesofemployment[fromtheeligibleoccupationslistedbelow]*;

» afterthestartofthepolicyandsatisfyingallofthefollowing:

» Theincidentmusthavebeenreportedtoappropriateauthoritiesandhavebeeninvestigatedinaccordancewiththeestablishedprocedures.

» WhereHIVinfectioniscaughtthroughaphysicalassaultorasaresultofanincidentoccurringduringthecourseofperformingnormaldutiesofemployment,theincidentmustbesupportedbyanegativeHIVantibodytesttakenwithin5daysoftheincident.

» TheremustbeafurtherHIVtestwithin12monthsconfirmingthepresenceofHIVorantibodiestothevirus.

» TheincidentcausinginfectionmusthaveoccurredintheEuropeanUnion,NorthAmerica,AustraliaorNewZealand.


• HIVinfectionresultingfromanyothermeans,includingsexualactivityorillegaldrugabuse.

*OccupationsCovered:

• Ambulanceworkers

• Dentalnurses

• Dentalsurgeons

• Districtnurses

• DublinBusemployees

• Firebrigadeandfirefighters

• Generalpractitionersandnursesemployedbythem

• Hospitalcaterers

• Hospitalcleaners

• Hospitaldoctors/surgeons/consultants

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• Hospitallaboratoryworkers

• Hospitallaundryworkers

• Hospitalnurses

• Hospitalporters

• MembersoftheGardai

• Midwives

• Paramedics

• Prisonofficers

• Refusecollectors

• Socialworkers

• Taxidrivers

In simpler terms:

HumanimmunodeficiencyvirusisgenerallyrecognisedasthevirusthatcausesAcquiredImmuneDeficiencySyndrome(AIDS).Theviruscanbepassedoninseveralwaysincludingthroughcontaminatedblood,bloodstainedbodilyfluidsandinfectedneedles.ThisbenefitisdesignedtocoverpeoplewhoareinspecialdangerofgettingHIVorAIDSthroughtheirworkorwhohavebecomeinfectedasaresultofaphysicalassaultorabloodtransfusionintheEuropeanUnion,NorthAmerica,AustraliaandNewZealand.Theinfectionmusthappenafterthestartdateoftheplanandmustbeappropriatelyreportedandinvestigatedinaccordancewithestablishedprocedures.

21. Kidney failure – requiring ongoing dialysis or transplant

Plan definition:

Chronicandendstagefailureofbothkidneystofunction,asaresultofwhichlongtermregulardialysisisnecessaryandongoingorakidneytransplantisnecessary.

In simpler terms:

Thekidneysactasfilterswhichremovewastematerialsfromtheblood.Whenthekidneysdonotworkproperly,wastematerialsbuildupintheblood.Thismayleadtolife-threateningproblems.Thebodycanfunctionwithonlyonekidney,butifbothkidneysfailcompletely,dialysis(kidneymachinetreatment)orakidneytransplantwillbenecessary.Insomecircumstancesitispossibleforthekidneystofailtemporarilyandrecoverfollowingaperiodofdialysis.

Youwillbeabletoclaimifbothyourkidneysfailcompletelyandtheconditionischronicandyouneedregularlong-termdialysisorakidneytransplant.

22. Liver Failure – irreversible and end stage

Plan definition:

Adefinitediagnosis,byaConsultantPhysician,ofirreversibleendstageliverfailureduetocirrhosisresultinginallofthefollowing:

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• Permanentjaundice

• Ascites,and

• Encephalopathy.


• Liverfailuresecondarytoalcoholorillegaldrugmisuse.

In simpler terms:

Liverfailureistheinabilityofthelivertoperformitsnormalsyntheticandmetabolicfunction.Liverfailureoccurswhenalargeportionoftheliverisdamaged.

YoucanclaimifyouarediagnosedbyaConsultantPhysicianashavingincurableliverfailurecausedbycirrhosisandshowingparticularsymptoms.Jaundiceisayellowdiscolorationoftheskinandeyewhitesduetoabnormallyhighlevelsofbilirubin(bilepigment)inthebloodstream.Thisjaundicemustbeapermanentfeature.Ascitesisafluidbuildupintheabdomencausedbyfluidleaksfromthesurfaceoftheliverandintestines.Itcanoccurifthebloodorlymphaticflowthroughtheliverisblocked.Encephalopathycausedbyliverfailureisthedeteriorationofbrainfunctionduetotoxicsubstancesbuildingupinthebloodwhicharenormallyremovedbytheliver.

Youcannotclaimiftheliverfailureoccursasadirectorindirectresultofexcessalcoholconsumptionofillegaldruguse.

23. Loss of Independence – permanent and irreversible

Plan definition:

Thepermanentandirreversiblelossoftheabilitytofunctionindependentlywhichisdefinedasfollows:

1. Permanentconfinementtoawheelchair,or

2. beingpermanentlyhospitalisedorresidentinanursinghomeasaresultofamedicalimpairmentontheadviceofaregisteredmedicalpractitioner,or

3. beingpermanentlyunabletofulfillatleastthreeofthefollowingactivitiesunassistedbyanotherperson:

» Theabilitytowalk100metresunaided.

» Theabilitytogetintoandoutofavehicleunaided.

» Theabilitytoputon,takeoff,secureandunfastenallnecessarygarmentsandanybraces,artificiallimbsorothersurgicalappliances.

» Theabilitytofeedoneselfoncefoodanddrinkhasbeenpreparedandmadeavailable.

» Theabilitytowashinthebathorshower(includinggettingintoandoutofthebathorshower)suchthatanadequatelevelofpersonalhygienecanbemaintained.

» Theabilitytoclimbstairswithouttheassistanceofspecialaids.

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» Theabilitytomanagebowelandbladderfunctionssuchthatanadequatelevelofpersonalhygienecanbemaintained.

4. orsufferfromsevereandpermanentintellectualimpairmentwhichmust,

a. resultfromorganicdiseaseortrauma,and

b. bemeasuredbytheuseofrecognizedstandardizedtestsand

c. havedeterioratedtotheextentthatrequirestheneedforcontinualsupervisionandassistanceofanotherperson

ThediagnosismustbeconfirmedtothesatisfactionoftheprofessionalopinionofIrishLife’sChiefMedicalOfficerandbyaconsultantphysician,neurologistorgeriatricianofamajorhospitalinIrelandortheUK.

Inalloftheabovepermanentmeansthat,evenwiththebesttreatmentavailable,thelifeassuredisnotexpectedtorecover.Theconditionmustcontinueforatleastsixmonthsfollowingdiagnosisbeforethebenefitcanbeclaimed.

In simpler terms:

Thisbenefitisintendedtomakeyourtotalcovermorewide-rangingandwillbeparticularlyvaluableasyougetolder.Byfocusingonthedisabilityratherthanthespecificillness,extracoverisprovidedforavarietyofeventswhichmayradicallychangeyourlife.

24. Loss of limbs – permanent physical severance

Plan definition:

Permanentphysicalseveranceofanycombinationof2ormorehandsorfeetatorabovethewristoranklejoints.

In simpler terms:

Youwillbeabletoclaimifyouhavelosttwoormoreofyourlimbsabovethewristoranklejointeitherbyinjuryorbecausetheyhavehadtoberemoved.Thislossmustbepermanent.

25. Loss of speech – permanent and irreversible

Plan definition:

Totalpermanentandirreversiblelossoftheabilitytospeakasaresultofphysicalinjuryordisease.

In simpler terms:

Youwillbeabletoclaimonlyifyousufferfromtotalandpermanentlossofspeechasaresultofphysicaldamageordisease.

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26. Major organ transplant – specified organs

Plan definition:

Theundergoingasarecipientofatransplantofbonemarroworofacompleteheart,liver,lung,orpancreas,orinclusionontotheofficialprogrammewaitinglistofamajorIrishorUKhospitalforsuchaprocedure.


• Transplantofanyotherorgans,partsoforgans,tissuesorcells.

In simpler terms:

Seriousdiseaseorinjurycanseverelydamagetheheart,lungs,liverorpancreas.Theonlyformoftreatmentavailablemaybetoreplacethedamagedorganwithahealthyorganfromadonor.Thisisamajoroperationandthetissuesofthedonorandpatientmustbematchedaccurately.Forthisreasonapatientcouldbeonawaitinglistforalongperiodwaitingforasuitableorgan.Bonemarrowtransplantisalsocovered.

YoucanclaimifyouhavehadatransplantofanyoftheorganslistedorareonanofficialIrishorUKprogrammewaitinglistforatransplant.

27. Motor neurone disease – resulting in permanent symptoms

Plan definition:

AdefinitediagnosisofmotorneuronediseasebyaConsultantNeurologist.

Theremustbepermanentclinicalimpairmentofmotorfunction.

In simpler terms:

Motorneuronediseaseisadiseasewhichaffectsthecentralnervoussystemthatcontrolsmovement.Asthenervesdeterioratethemusclesweaken.Thereiscurrentlynoknowncureandthecauseofthediseaseisalsounknown.

Youcanclaimifthereisadefinitediagnosisbyaconsultantneurologistthatyouaresufferingfrommotorneuronedisease.

28. Multiple sclerosis – with persisting symptoms

Plan definition:

AdefinitediagnosisofmultiplesclerosisbyaConsultantNeurologist.Theremustbecurrentclinicalimpairmentofmotororsensoryfunction,whichmusthavepersistedforacontinuousperiodofatleast6months.

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In simpler terms:

Multiplesclerosisisadiseaseofthecentralnervoussystemwhichdestroystheprotectivecovering(myelin)ofthenervefibresinthebrainandspinalcord.Thesymptomsdependonwhichareasofthebrainorspinalcordhavebeenaffected.Theyincludetemporaryblindness,doublevision,lossofbalanceandlackofco-ordination.

Youcanclaimifyouarediagnosedbyaconsultantneurologistassufferingfrommultiplesclerosisandyouhaveongoingwell–definedsymptomsofthediseasewhichhavebeenpresentcontinuouslyforatleastsixmonths.

29. Paralysis of limbs – total and irreversible

Plan definition:

Totalandirreversiblelossofmusclefunctiontothewholeofany2limbs.

PermanentParaplegiaorQuadriplegiaarecoveredunderthisdefinition.

In simpler terms:

Thebraincontrolsthemovementofmusclesinthebodybysendingmessagesthroughthespinalcordandnerves.Paralysisisnormallycausedbyaninjurytothespinalcord.

Youwillbeabletoclaimifyousuffercompleteandpermanentlossoftheuseoftwoormorelimbs.

30. Parkinson’s disease (idiopathic)– resulting in permanent symptoms

Plan definition:

AdefinitediagnosisofIdiopathicParkinson’sdiseasebyaConsultantNeurologist.Theremustbepermanentclinicalimpairmentofmotorfunctionwithassociatedtremor,musclerigidityandposturalinstability.


• Parkinson’sdiseasesecondarytochronicalcoholabuseorillegaldrugabuse;and

• Impairmentofmotorfunctiondirectlylinkedorassociatedwithanotherseparatemedicalcondition.

In simpler terms:

Parkinson’sDiseaseisadiseaseofthecentralnervoussystemwhichaffectsvoluntarymovement.Itischaracterisedbymusclestiffnessorrigidity,slowmovements,shakingofthelimbsandheadandlossofbalance.Itnormallytakesholdgradually.

Theterm“idiopathic”meansthatthecauseofthediseaseisnotknown,soanyformofParkinson’sdiseasebroughtonbyaknowncausesuchasdrugs,toxicchemicalsoralcoholisnotcovered.

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31. Primary Pulmonary Hypertension – of specified severity

Plan definition:

AdefinitediagnosisofPrimaryPulmonaryHypertensionbyaConsultantCardiologist.TheremustbeclinicalimpairmentofheartfunctionresultinginthepermanentlossofabilitytoperformphysicalactivitiestoatleastClass3oftheNewYorkHeartAssociationclassificationsoffunctionalcapacity*.


• Pulmonaryhypertensionsecondarytoanyotherknowncauseienotprimary.

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

In simpler terms:

PrimaryPulmonaryHypertensionisadiseasewhichoccurswhenbloodpressureinthepulmonaryarteryorthemajorbloodvesselconnectingtherightheartventricleandthelungsishigherthannormal.Thereisnoapparentcause.Ahigherpulmonaryarterybloodpressuremeansthehearthastoworkhardertopumpsufficientbloodintothelungs.Overtime,theheartmusclesweaken.

YoucanclaimifyousufferfromPrimaryPulmonaryHypertensionwhichisdiagnosedbyaConsultantCardiologist.Toqualifyforpaymentyourphysicalabilitymustbemeasurableandlimitedtoaspecificdegree(NewYorkHeartAssociationClass3).TheNYHAFunctionClassificationisameasureusedtoclassifytheextentofheartfailure.

32. Progressive supranuclear palsy – resulting in permanent symptoms

Plan definition:

AdefinitediagnosisbyaConsultantNeurologistofProgressiveSupranuclearPalsy.Theremustbepermanentclinicalimpairmentofeyemovementandmotorfunction,rigidityofmovementandposturalinstability.

In simpler terms:

Progressivesupranuclearpalsy(PSP),alsoknownasSteele-Richardson-Olzewskisyndrome,isadegenerativediseasethatgraduallydestroysnervecellsinthepartsofthebrainthatcontroleyemovements,breathingandmuscleco-ordination.Thelossofnervecellscausespalsyorparalysisthatslowlygetsworseasthediseaseprogresses.

Thedefinitionliterallymeans:

• progressive-itgraduallygetsworseovertime.

• supranuclear-theareaofthebrainstemwhichcontrolstheeyemovements.

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• palsy-aweakness(inthiscase,relatedtoeyemovement).

Youcanclaimifthereisadefinitediagnosisbyaconsultantneurologistthatyouaresufferingfromprogressivesupranuclearpalsy.

33. Pulmonary Artery Surgery – with surgery to divide the breast bone

Plan definition:

Theactualundergoingofsurgeryrequiringmediansternotomy(surgerytodividethebreastbone)ontheadviceofaConsultantCardiothoracicSurgeonforadiseaseofthepulmonaryarterytoexciseandreplacethediseasedpulmonaryarterywithagraft.

In simpler terms:

PulmonaryArterysurgerymaybecarriedoutforsomedisorderstothepulmonaryartery,includingpulmonaryatresia(atresiameans“noopening”)andaneurysm.Aclaimcanbemadeifthelifeinsuredundergoesopenheartsurgeryinvolvingthesurgicaldivisionofthebreastbonetoreplacethediseasedpulmonaryarterywithagraft.

34. Respiratory Failure of specified severity

Plan definition:

ConfirmationbyaConsultantPhysicianofchroniclungdiseaseresultingin:

• Theneedfordailyoxygentherapyonapermanentbasis

• Evidencethattheoxygentherapyhasbeenrequiredforaminimumperiodofsixmonths

• FEV1beinglessthan40%ofnormal,and

• VitalCapacitylessthan50%ofnormal.

In simpler terms:

RespiratoryFailureisaconditionwherethelevelofoxygeninthebloodbecomestooloworthelevelofcarbondioxideinthebloodbecomestoohigh.

Youcanclaimifyouhavesevereandchronicrespiratoryfailure,evidencedbylungfunctiontestsshowingforcedexpiratoryvolumelessthan40%ofnormalandavitalcapacitylessthan50%ofnormalandyourequiredailyoxygentherapy.FEVandVCarewaysofmeasuringlungfunction.

35. Severe Burns/3rd Degree Burns

Plan definition:

Burnsthatinvolvedamageordestructionoftheskintoitsfulldepththroughtotheunderlyingtissueandcoveringatleast20%ofthebody’ssurfacearea.

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In simpler terms:

Therearethreelevels(degrees)ofburns.Thedegreeofburningdependsonhowbadlytheskinhasbeendamaged.Theyaremedicallyknownas‘first’,‘second’and‘third’degree.First-degreeburnsdamagetheupperlayerofskin,butcanhealwithoutscarring(acommonexampleofthisissunburn).Second-degreeburnsgodeeperintothelayersofskin,butcanhealwithoutscarring.Third-degreeburnsarethemostseriousastheydestroythefullthicknessoftheskin.

Youwillbeabletoclaimifyouhavesufferedthird-degreeburnscovering20%ormoreofthesurfaceareaofyourbody.

36. Stroke – resulting in permanent symptoms

Plan definition:

Deathofbraintissueduetoinadequatebloodsupplyorhaemorrhagewithintheskullresultinginpermanentneurologicaldeficitwithpersistingclinicalsymptoms*.AdiagnosisofSubarachnoidHaemorrhageresultinginpermanentneurologicaldeficitwithpersistingclinicalsymptoms*,supportedbyCTorMRIevidence,iscoveredunderthisdefinition.


• Transientischaemicattack.

• Traumaticinjurytobraintissueorbloodvessels.

*”permanent neurological deficit with persisting clinical symptoms” is clearly defined as:-







In simpler terms:

Thebraincontrolsallthefunctionsofthebody,sodamagetothebraincanhaveseriouseffects.Astrokehappenswhenthereisseveredamagetothebraincausedbyinternalbleeding(haemorrhage)orwhentheflowofbloodinanarteryhasbeenblockedbyapieceoftissueorabloodclot(athrombusorembolus)resultinginthebrainbeingstarvedofoxygen.

Thisbenefitdoesnotcover‘transientischaemicattacks’(alsoknownasmini-strokes)wherethereisashort-terminterruptionofthebloodsupplytopartofthebrain,themainsymptomstendtobedizzinessandtemporaryweaknessorlossofsensationinpartofthebodyorface.

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37. Systemic lupus erythematosus – of specified severity

Plan definition:

AdefinitediagnosisofsystemiclupuserythematosusbyaConsultantRheumatologistresultingineitherofthefollowing:

• Permanentneurologicaldeficitwithpersistingclinicalsymptoms*,or

• Permanentimpairmentofkidneyfunctiontestsasfollows:

» GlomerularFiltrationRate(GFR)below30ml/min.



Symptoms that are covered include numbness, hyperaesthesia (increased sensitivity), paralysis, localised weakness, dysarthria (difficulty with speech), aphasia (inability to speak), dysphagia (difficulty in swallowing), visual impairment, difficulty in walking, lack of coordination, tremor, seizures, dementia, delirium and coma. For the purpose of this definition – lethargy will not be accepted as evidence of permanent neurological deficit.

In simpler terms:

Systemiclupuserythematosus(SLE)isachronicauto-immuneconnectivetissuedisease.Theimmunesystemattacksthebody’scellsandtissueresultingininflammationandtissuedamage.Thecourseofthediseaseisunpredictablewithperiodsofillnessalternatingwithremission.SLEisamulti-systemdiseasebecauseitcanaffectmanydifferentorgansandtissuesinthebody.Systemiclupuserythematosuscanbeamildconditiontreatedbymedicationortherecanbelife-threateningcomplications.Theconditioncanbepresentformanyyearswithoutprogressingtobrainandkidneyinvolvement.

YoucanclaimifyouarediagnosedwithsystemiclupuserythematosusbyaConsultantRheumatologistwhichiscomplicatedbybraininvolvementresultinginpermanentneurologicaldeficitwithpersistingclinicalsymptomsorkidneyinvolvementwithaGFRbelow30ml/min.

38. Traumatic head injury – resulting in permanent symptoms

Plan definition:

Deathofbraintissueduetotraumaticinjuryresultinginpermanentneurologicaldeficitwithpersistingclinicalsymptoms*.ThediagnosismustbesupportedbyanopinionofaConsultantNeurologistandagreedbyourChiefMedicalOfficer.


• Injurysecondarytoalcoholwherethereisahistoryofalcoholabuse.

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• Injurysecondarytoillegaldrugabuse.




Thefollowingarenotcovered:




In simpler terms:

Aheadinjurycausedbytraumacanleaveanindividualwithpermanentbrain/nervedamage.

YoucanclaimifaConsultantNeurologistconfirmsthatyouhavepermanentneurologicaldeficitwithpersistingclinicalsymptomsasadirectresultofaheadinjury.

Specified Illness Cover - the conditions we make a partial payment on

A. Brain abscess drained via craniotomy

Plan definition:

WewillmakealimitedpaymentforspecifiedillnesscoverifalifeassuredundergoesthesurgicaldrainageofanintracerebralabscesswithinthebraintissuethroughacraniotomybyaConsultantNeurosurgeon.TheremustbeevidenceofanintracerebralabscessonCTorMRIimaging

In simpler terms:

Abrainabscessresultsfromaninfectioninthebrain.Swellingandinflammationdevelopinresponsetotheinfection.Infectedbraincells,whitebloodcellsandorganismscollectinanareaofthebrain,amembraneformsandcreatestheabscess.Whilethisimmuneresponsecanprotectthebrainfromtheinfection,anabscessmayputpressureondelicatebraintissue.

Acraniotomyisasurgicaloperationinwhichpartoftheskullisremovedinordertoaccessthebrain.

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YoucanclaimifyouarediagnosedwithanintracerebralabscesswhichistreatedbysurgicaldrainagebycraniotomybyaConsultantNeurosurgeon.Acraniotomyisasurgicaloperationinwhichpartoftheskullisremovedinordertoaccessthebrain.

B. Carcinoma in Situ – Oesophagus, treated by specific surgery

Plan definition:

Wezwillmakealimitedpaymentforspecifiedillnesscoverifalifeassuredhasadefinitediagnosisofacarcinomainsituoftheoesophagus,whichhasbeentreatedsurgicallybyremovalofaportionoralloftheoesophagus.Acarcinomainsituisamalignancythathasnotinvadedthebasementmembranebutshowscytologiccharacteristicsofcancer.Histologicalevidencewillberequired.


• Treatmentbyanyothermethodisspecificallyexcluded.

In simpler terms:

Theoesophagusisamuscular,membranoustubeapproximately25cmlongwhichconnectsthemouthtothestomach.Carcinomainsituisanearlyformofcarcinomathatinvolvesonlythecellsinwhichitbeganandhasnotspreadtoothertissues.

Youcanclaimifyouhavebeendiagnosedwithacarcinomainsituoftheoesophagusandyouhavebeentreatedsurgicallybyremovalofpartoralloftheoesophagus.

Thisbenefitdoesnotcoveranyotherdiseaseordisorderoftheoesophagus.

C. Carotid Artery Stenosis - treated by Endarterectomy or Angioplasty

Plan definition:

Wewillmakealimitedpaymentunderspecifiedillnesscoverifalifeassuredundergoesendarterectomyortherapeuticangioplastywithorwithoutstenttocorrectsymptomaticstenosisinvolvingatleast70%narrowingorblockageofthecarotidartery.Angiographicevidencewillberequired.

In simpler terms:

Endarterectomyisasurgicalproceduretoremoveatheromatousplaques(fattytissue)orablockageintheliningofanartery.Itiscarriedoutbyseparatingtheplaquefromthearterialwall.Anangioplastyisaprocedurewhichusesatemporarilyinflatedballoononacatheter(tube)towidenanarrowedorblockedbloodvesselbycompressingplaqueagainstthearterywall.Astentisadeviceinsertedintoanarterytohelpkeepitopen.

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Youcanclaimifyouhavehada70%narrowingorblockageofthecarotidarterytreatedbyeitherendarterectomyorangioplasty.Wewillrequireacopyoftheangiogramreportshowing70%stenosisinthecarotidartery.

Youcannotclaimunderthisbenefitforanyothertreatmentofthecarotidarteryorvascularsystem.

D. Cerebral arteriovenous malformation - treated by craniotomy or endovascular repair

Plan definition:

WewillmakealimitedpaymentforspecifiedillnesscoverifalifeassuredundergoessurgicaltreatmentviacraniotomybyaConsultantNeurosurgeonofacerebralAVfistulaormalformation.Also,wewillmakealimitedpaymentforspecifiedillnesscoverifalifeassuredundergoesendovasculartreatmentbyaConsultantNeurosurgeonorRadiologistusingcoilstocausethrombosisofacerebralAVfistulaormalformation.


• Intracranialaneurysm.

In simpler terms:

Acerebralarteriovenousmalformation(AVM)isanabnormalconnectionbetweenarteriesandveinsinthebrainthatinterruptsnormalbloodflow

betweenthem.AnAVMischaracterisedbytanglesofabnormalandenlargedbloodvessels.Inseriouscases,thebloodvesselsrupture.

Anarteriovenousfistulaisanabnormalpassagewaybetweenanarteryandavein.Normallybloodflowsfromarteriesintocapillariesandbacktoyourheartinveins.Whenanarteriovenousfistulaispresent,bloodflowsdirectlyfromanarteryintoavein,bypassingthecapillaries.Ifthevolumeofbloodflowdivertedislarge,tissuesdownstreamreceivelessbloodsupply.Also,thereisariskofheartfailureduetotheincreasedvolumeofbloodreturnedtotheheart.

YoucanclaimifyouundergoacraniotomyorendovasculartreatmentusingcoilsunderthecareofaConsultantNeurologistorRadiologist,asappropriate,totreatacerebralAVMorAVfistula.

Acraniotomyisasurgicaloperationinwhichpartoftheskullisremovedinordertoaccessthebrain.Endovasculartreatmentusesthenaturalaccesstothebrainthroughthebloodstreamviathearteriesusingcatheters,balloonsandstents.

E. Coronary Angioplasty - to 2 or more coronary arteries

Plan definition:

Wewillmakealimitedpaymentforspecifiedillnesscoverifalifeassuredundergoesaballoonangioplasty,atherectomy,lasertreatmentorstentinsertionontheadviceofaConsultantCardiologisttocorrectatleast70%narrowingorblockageoftwoormorecoronaryarteries.Angiographicevidencewillberequired.

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Insertionof2stentsindifferentarteriesatdifferenttimes(e.g.ondifferentdaysseveralyearsapart)doesqualifyforpayment,afterthesecondarteryhasbeenstented.

2stentstooneartery,orbranchesofthesameartery,doesnotqualify.

In simpler terms:

Arteriescanbecomeblockedwithfattydeposits,likethe‘furringup’ofakettle.Iftheblockagesareinthecoronaryarteriesclosetotheheart,thiscausesextrastrainontheheart,whichthenmayleadtomoreseriousheartdisease.Wewillrequireacopyoftheangiogramreportsshowingatleast70%stenosisinthecoronaryarteries.

Balloonangioplastyinvolvesasurgeonpassingafineballooncatheter(aflexibleplastictube)downoneofthearteriestotheheart(acoronaryartery).Whentheballoonreachestheplacewherethearteryhasnarrowed,itisinflatedtoforcethewallsofthearteryapart.

‘Atherectomy’and‘lasertreatment’arealsotechniqueswhichinvolvepassingacatheterintotheblockedartery.

Ifyouhaveballoonangioplasty,atherectomyorlasertreatment,youcanclaimifthetreatmentistocorrecta70%narrowingofatleasttwocoronaryarteries.Wedonotcoversuchtreatmentwhereonlyonearteryisinvolved.

Treatmentbyballoonangioplasty,atherectomyorlasertreatment,in2differentarteriesontwoseparateoccasions,totreatnarrowingorblockagesofatleast70%,qualifiesforpaymentafterthesecondprocedurehasbeencarriedout.

F. Ductal Carcinoma in Situ – Breast, treated by surgery

Plan definition:

Wewillmakealimitedpaymentforspecifiedillnesscoverifalifeassuredhasadefinitediagnosisofaductalcarcinomainsituofthebreast,whichhasbeenremovedsurgicallybymastectomy,partialmastectomy,segmentectomyorlumpectomy.Acarcinomainsituisamalignancythathasnotinvadedthebasementmembranebutshowscytologiccharacteristicsofcancer.Histologicalevidencewillberequired.

In simpler terms:

Carcinomainsituisanearlyformofcarcinomathatinvolvesonlythecellsinwhichitbeganandhasnotspreadtoothertissues.Theterm‘ductal’referstotheductsinthemilkglandsinthebreast.

Youcanclaimifyouarediagnosedashavingaductalcarcinomainsituofthebreastwhichisremovedsurgically.

Nobenefitispayableunderthisbenefitforanyotherbreastdisorder.

G. Loss of one limb

Plan definition:

Wewillmakealimitedpaymentunderspecifiedillnesscoverifalifeassuredpermanentlylosesahandfromabovethewristorafootfrom

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abovetheanklejoint.Permanentlossdoesnotincludelossofuseorfunctiononly.Itmeanshavingahandorfootcompletelysevered.Toqualifyforpayment,thelossmusthappenonadateafterthestartdateandbeforecoverends.

In simpler terms:

Youwillbeabletoclaimifyouhavelostalimbabovethewristoranklejointeitherbyinjuryorbecausetheyhavehadtoberemoved.Thislossmustbepermanent.

Nopaymentismadeforlossofanyindividualfingersortoesorcombinationoffingersandtoes.

H. Low Level Prostate Cancer with Gleason score between 2 and 6 – and with specific treatment

Plan definition:

WewillmakealimitedpaymentforspecifiedillnesscoverifalifeassuredisdiagnosedwithaprostatecancerwhichhasbeenhistologicallyclassifiedashavingaGleasonscorebetween2and6provided:

• ThetumourhasprogressedtoatleastclinicalTNMclassificationT1N0M0;and

• Theclienthasundergonetreatmentbyprostatectomy,externalbeamorinterstitialimplantradiotherapy.


• Treatmentwithcryotherapy,transurethralresectionoftheprostate,‘experimental’treatmentsorhormonetherapy.

In simpler terms:

Withincreasedandimprovedscreening,prostatecancerisbeingdetectedatanearlierstage.Ifprostatecanceriscaughtearly,whenitisstillclassifiedas‘low-grade’,thereisagoodchancethattreatmentwillbesuccessfulandthelong-termoutlookisgood.The‘Gleasonscore’andthe‘TNMclassification’arewaysofmeasuringanddescribinghowseriousthecanceris,andwhetherithasspreadbeyondtheprostateglandbasedonitsmicroscopicappearance.CancerswithaGleasonscorelessthanorequalto6arelessaggressiveandhaveabetterprognosis.

I. Serious Accident Cover – resulting in at least 28 consecutive days in hospital

Plan definition:

Wewillmakealimitedpaymentifalifeassuredsuffersaseriousaccidentresultinginseverephysicalinjurywherethelifeassuredisimmediatelyadmittedtohospitalforatleast28consecutivedaystoreceivemedicaltreatment.

Severephysicalinjurymeansinjuryresultingsolelyanddirectlyfromunforeseen,external,violentandvisiblemeansandindependentofanyothercauses.

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Wewillalsocovertreatmentinaninpatientrehabilitationcentre,iftheclientistransferreddirectlyfromhospitaltotherehabilitationcentreforcontinuoustreatment.

Onlyonepartialpaymentorfullpaymentwillbepaidresultingfromthesameaccident.

Fortheabovedefinitionthefollowingarenotcovered:

• Staysinhospitaloflessthan28consecutivedays.

• Seriousaccidentsecondarytoalcoholwherethereisahistoryofalcoholabuse.

• Seriousaccidentsecondarytoillegaldrugabuse.

In simpler terms:

Youcanclaimifyouhaveaseriousaccidentandarehospitalisedforatleast28consecutivedaystoreceivemedicaltreatmentforyourinjuries.The28consecutivedayscanincludetimespentinarehabilitationcentreifyouaretransferredtheredirectlyfromthehospitaltocontinueyourtreatment.Youcanonlymakeoneclaimforpartialpaymentresultingfromthesameaccident.

J. Severe Burns/3rd Degree Burns covering at least 5% of the body’s surface

Plan definition:

Wewillmakealimitedpaymentforspecifiedillnesscoverifalifeassuredsuffersburnsthatinvolvedamageordestructionoftheskintoitsfulldepththroughtotheunderlyingtissueandcoveringatleast5%andlessthan20%ofthebody’ssurfaceareaoratleast25%ofthesurfaceareaofthefacewhichforthepurposeofthisdefinitionincludestheforeheadandtheears.

In simpler terms:

Therearethreelevels(degrees)ofburns.Thedegreeofburningdependsonhowbadlytheskinhasbeendamaged.Theyaremedicallyknownas‘first’,‘second’and‘third’degree.First-degreeburnsdamagetheupperlayerofskin,butcanhealwithoutscarring(acommonexampleofthisissunburn).Second-degreeburnsgodeeperintothelayersofskin,butcanhealwithoutscarring.Third-degreeburnsarethemostseriousastheydestroythefullthicknessoftheskin.

Youwillbeabletoclaimifyouhavesufferedthird-degreeburnscoveringatleast5%andlessthan20%ofthesurfaceareaofyourbodyor25%ofthesurfaceareaoftheface.

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K. Significant visual impairment – permanent and irreversible

Plan definition:

Wewillmakealimitedpaymentforspecifiedillnesscoverifalifeassuredsuffersthepermanentandirreversiblereductioninthesightofbotheyestotheextentthatevenwhentestedwiththeuseofvisualaids,visionismeasuredat6/18orworseinthebettereyeusingaSnelleneyechart,whilewearinganycorrectiveglassesorcontactlenses.

In simpler terms:

Youcanonlyclaimifyouhaveirreversiblelossofsightinbotheyestotheextentthatevenusingeyeglassesorothervisualaids,thesightinyourbettereyeisconfirmedbyanOpthalmologistorConsultantPhysicianandtothesatisfactionofourChiefMedicalOfficer,as6/18orworseusingtherecognisedsighttestknownastheSnelleneyechart.ASnellenchartisthetesttheOpticianuseswhenyouareaskedreadrowsofletters.6/18isthemeasurewhenyoucanonlyseeatsixmetreswhatsomeonewithperfectsightwouldseeat18metresaway.

Itispossibletobe“registeredblind”(ascertifiedbyaneyespecialist)eventhoughthelossofsightmaybeonlypartial.Evenifyouare“registeredblind”,yourclaimwillonlybemetifthelossofsightmeetsthecriteriaoutlinedinourdefinitionandcannotbecorrected.

L. Single Lobectomy – the removal of a complete lobe of a lung

Plan definition:

Theundergoingofmedicallyessentialsurgerytoremoveacompletelobeofalungfordiseaseortraumaticinjury.


• Partialremovalofalobeofthelungs(segmentalorwedgeresection).

• Anyotherformoflungsurgery.

In simpler terms:

Therightlungisdividedintothreelobesandtheleftlungintotwo.Thelobesofthelungsarefurtherdividedintosegments.Alobectomyisanoperationtoremoveoneormoreofthelobesfromalung.

Youcanclaimifyouhaveanoperationtoremoveanentirelobefromthelungbecauseitisdiseasedorbecauseofawoundoraninjury.Youwillnotbeabletoclaimifasegmentofthelobeisremoved,orforanyothertypeoflungsurgery.TheoperationtoremovetheentirelobemustbedeemedmedicallyessentialbyourChiefMedicalOfficer.

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M. Surgical removal of one eye

Plan definition:

Wewillmakealimitedpaymentforspecifiedillnesscoverifalifeassuredundergoessurgicalremovalofacompleteeyeballfordiseaseortrauma.Toqualifyforpayment,theremovaloftheeyeballmusthappenonadateafterthestartdateandbeforecoverends.

In simpler terms:

Youcanclaimifyouhavetohaveaneyeballremovedasaresultofdiseaseorinjury.

Nobenefitispayableforlossofsightinoneeyeunlessitwasmedicallynecessarytoproceedandremovetheeyeball.

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7 customer information notice - CIN

CONTENTS

INTRODUCTION

A. INFORMATION ABOUT THE POLICY1. Makesurethepolicymeetsyourneeds!

2. Whathappensifyouwanttocashinthepolicyearlyorstoppayingpremiums?

3. Whataretheprojectedbenefitsunderthepolicy?

4. Whatintermediary/salesremunerationispayable?

5. Arereturnsguaranteedandcanthepremiumbereviewed?

6. Canthepolicybecancelledoramendedbytheinsurer?

7. Informationontaxationissues

8. Additionalinformationinrelationtoyourpolicy

» Whatarethebenefitsandoptionsunderthisplan?

» Whatisthetermofthecontract?

» Arethereanycircumstancesunderwhichtheplanmaybeended?

» Isthereanopportunitytochangeyourmind?

» Lawapplicabletoyourplan

» Whattodoifyouarenothappyorhaveanyquestions?

B. INFORMATION ON SERVICE FEE.

C. INFORMATION ABOUT THE INSURER/INSURANCE INTERMEDIARY/SALES EMPLOYEE.

D. INFORMATION TO BE SUPPLIED TO THE POLICYHOLDER DURING THE TERM OF THE INSURANCE CONTRACT.

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IntroductionThisnoticeisdesignedtohighlightsomeimportantdetailsabouttheplanand,alongwiththeLifeTermCoverbooklet,ismeanttobeaguidetohelpyouunderstandyourplan.Fulldetailsonthespecificbenefitsandoptionsthatapplytoyouwillbecontainedinyourplanschedule(orcertificateofmembership,ifapplicable),TermsandConditionsBookletandpersonalisedcustomerinformationnoticewhichyouwillreceivewhenthecontractisinplace.Itisimportantthatyoushouldreadthesecarefullywhenyoureceivethemascertainexclusionsandconditionsmayapplytothebenefitsandoptionsyouhaveselected.AcopyoftheTermsandConditionsBookletisavailableonrequest.

Any Questions?IfyouhaveanyquestionsontheinformationincludedinthiscustomerinformationnoticeyoushouldcontactyourFinancialAdviseroryourinsurerIrishLife,whowilldealwithyourenquiryatourCustomerServiceTeam,LowerAbbeyStreet,Dublin1.

A. INFORMATION ABOUT THE POLICY

1. MAKE SURE THE POLICY MEETS YOUR NEEDS!

TheLifeTermCoverplanisaregularpaymenttermassuranceplan.Theplanprovidesprotectionbenefitsonlyi.e.lifecover,specifiedillnesscoverandalsoanumberofotheroptionalprotectionbenefitsoverafixedterm.Ifyouoptfortheindexationoptionthelevelofbenefitswillautomaticallyincreaseeachyear.Thepaymentyoumakewillalso

increaseeachyear.Currently,therateofincreaseforbenefitsis5%eachyearandtherateofincreaseforthepaymentis8%eachyear.

Youareenteringintoacommitmenttomakearegularpaymentoverarelativelylongterm.Unlessyouarefullysatisfiedastothenatureofthiscommitmenthavingregardtoyourneeds,resourcesandcircumstances,youshouldnotenterintothiscommitment.

Yourfinancialadvisermustindicatewhetherparagrapha)orparagraphb)belowapplies.

a) ThisplanreplacesinwholeorinpartanexistingplanwithIrishLife,orwithanotherinsurer.YourFinancialAdviserwilladviseyouastothefinancialconsequencesofsuchreplacementandofpossiblefinanciallossasaresult.

Youwillbeaskedatthebeginningofyourapplicationformtoconfirmthisinwriting.Pleaseensurethatyouhavecompletedthissectionoftheformandthatyouaresatisfiedwiththeexplanationsprovidedbyyourfinancialadviserbeforeyoucompletetherestoftheapplicationform.

b) ThisplandoesnotreplaceinwholeorinpartanexistingplanwithIrishlifeorwithanyotherinsurer.

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2. WHAT HAPPENS IF YOU WANT TO CASH IN THE POLICY EARLY OR STOP PAYING PREMIUMS?

Theplandoesnotacquireacashorsurrendervalueatanystage.

Ifyoustopmakingpayments,allcoverundertheplanwillendandwewillnotrefundanyofyourpayments.

3. WHAT ARE THE PROJECTED BENEFITS UNDER THE POLICY?

ThefollowingpaymentandbenefitdetailsareforatypicalLifeTermCoverplan.Thefigureswillobviouslyvarybasedoneachindividual’spersonaldetailsandchoiceofprotectionbenefits.Thefiguresbelowarebasedonthefollowingdetails.

ProtectionBenefits:Lifecoverof€120,000

Acceleratedspecifiedillnesscoverof€120,000 Coverisonaduallifebasis.

LivesCovered: Male,non-smokeraged38nextbirthday.Female,non-smokeraged37nextbirthday.

Payments: €113.52permonthpayablebydirectdebit.Thisplanhasguaranteedcoveragain.Noindexationoptionhasbeenselected.

Term: Thetermoftheplanis19years.

The plan provides protection benefits up until the expiry date of the plan. The plan does not acquire a cash or surrender value at any stage.

ILLUSTRATIVETABLEOFPROJECTEDBENEFITSANDCHARGES

A B C D E = A + B – C – D

Year € € € € €

Total amount of premiums paid into the policy

to date

Projected investment growth to

date

Projected expenses

and charges to

date

Projected cost of

protection benefit to

date

Projected policy value

before payment of

taxation

1 1,362 0 702 660 0

2 2,724 0 1,356 1,369 0

3 4,087 0 1,959 2,128 0

4 5,449 0 2,507 2,942 0

5 6,811 0 2,993 3,818 0

6 8,173 0 3,411 4,762 0

7 9,536 0 3,756 5,780 0

8 10,898 0 4,018 6,880 0

9 12,260 0 4,186 8,074 0

10 13,622 0 4,251 9,372 0

11 14,985 0 4,251 10,734 0

12 16,347 0 4,251 12,096 0

13 17,709 0 4,251 13,458 0

14 19,071 0 4,251 14,821 0

15 20,434 0 4,251 16,183 0

16 21,796 0 4,251 17,545 0

17 23,158 0 4,251 18,907 0

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18 24,520 0 4,251 20,270 0

19 25,883 0 4,251 21,632 0

Thepaymentmadethroughthetermoftheplanincludesthecostoftheprotectionbenefits,andallcharges,expenses,intermediaryremunerationandsalesremunerationassociatedwithyourplan.Itdoesnotincludeanygovernmentleviesthatmaybepayable.

The charges shown in column C include the cost of intermediary /sales remuneration incurred by Irish Life, as described in section 4. The premiums shown in column A do not include the government levy.

4. WHAT INTERMEDIARY/SALES REMUNERATION IS PAYABLE?

Thelevelofintermediary/salesremunerationshownisbasedonthetypicalplanoutlinedinsection3above.Thefigureswillvarybasedontheexactplandetailsineachcase.Figuresforyourspecificplandetailswillbeshowninyourwelcomepack.

ILLUSTRATIVETABLEOFINTERMEDIARY/SALESREMUNERATION

Year € €

Premium payable in that year Projected total intermediary / sales remuneration payable in that year

1 1,362 1,955

2 1,362 41

3 1,362 41

4 1,362 41

5 1,362 41

10 1,362 41

15 1,362 41

19 1,362 41

The projected intermediary/sales remuneration shown above includes the costs incurred by Irish Life in relation to the provision of sales advice, service and support for the plan. These costs are included in the plan charges set out in column C of the illustrative table of projected benefits and charges in section 3.

5. ARE RETURNS GUARANTEED AND CAN THE PREMIUM BE REVIEWED?

The payment is guaranteed to provide protection cover for a fixed term, assuming no changes to your payment or benefits (other than indexation increases).

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6. CAN THE POLICY BE CANCELLED OR AMENDED BY THE INSURER?

Wemaycancelyourplanifyoustopmakingpayments.

Youmustprovideanyinformationorevidencewhichweneedtoadministertheplan.

Ifwereceiveevidencethatyourdateofbirthasshownonyourapplicationformisincorrect,wewilladjustthebenefitsappropriately.

Wemayendyourcoverandrefusetopayaclaimifyoudonotgiveusinformation(orifyougiveusincorrectinformation)regardinganillnessorconditionthatwillaffectourassessmentofyourapplicationforthisplan.Ifthatinformationisnottrueandcompleteorifwedonotreceiveallrelevantinformation,wemayendyourcoverandrefusetopayanyclaim.

Ifthishappensyouwillloseallrightsundertheplanandwewillnotrefundyourpayments.Relevantinformationincludesanythingthatareputableinsurermightregardaslikelytoinfluencetheassessmentandacceptanceofyourapplication.Wewillprovideacopyoftheinformationyougaveusinyourapplicationoranyotherformsthatyouhavefilledinforusifyouask.

7. INFORMATION ON TAXATION ISSUES

Undercurrentlaw(December2011),taxdoesnotusuallyhavetobepaidonlifecoverorspecifiedillnesscoverbenefits,butinsomecircumstancestaxmaybedue.Forexample,ifthelifecoverispaidto

yourestate,yourbeneficiariesmayhavetopayinheritancetax(thereisnoinheritancetaxdueonaninheritancebetweenamarriedcouple).

Any taxes or levies imposed by the government will be collected by Irish Life and passed directly to the Revenue Commissioners.

Where the plan is owned by a company or where payments are made by anyone other than the legal owner of the plan, for example from a company or business account, there may be tax implications. In these circumstances we recommend that a financial adviser be consulted regarding any possible taxation implications.

PleasecontactyourFinancialAdviserorIrishLifeifyoudonotfullyunderstandthelikelytaxtreatmentofanybenefitspayableinconnectionwithyourLifeTermCoverplan.

8. ADDITIONAL INFORMATION IN RELATION TO YOUR POLICY

What are the benefits and options provided under this plan?

Youmayselectbenefitsfromthefollowingoptionsinordertomeetyourparticularneeds.

Lifecover

Wewillpaythelifecoveryouselectplusanyincreasesduetoindexationintheeventofthedeathofoneofthelivescoveredduringthetermoftheplan.Ifthereismorethanonelifecovered,thisbenefitcanbepaidonthedeathofeitherorbothofthelivescovered.If,atanystage,you

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choosetoreduceyourbenefitsandpayments,theamountwepayintheeventofdeathwillbereducedaccordingly.

Independent specified illness cover

Ifthisbenefitapplieswewillpaytheindependentspecifiedillnesscoverplusanyincreasesduetoindexationifeither,orboth,ofthelivescoveredisdiagnosedduringthetermoftheplanashavingoneofthe38specifiedillnesseslistedintheTermsandConditionsBooklet,andsurvivesforacertainperiodafterhavingthesurgeryorbeingdiagnosedashavinganyoftheconditionscovered.Ifoneormoreofthoseillnessesorconditionsisnotcovered,thiswillbereferredtointheplanschedule(orcertificateofmembership,ifapplicable).

Nootherillnessesorconditionsarecovered.

Independentspecifiedillnesscoverisnotpayableinthecaseofdeath.

If,atanystage,youchoosetoreduceyourbenefitsandpayments,theamountwepayintheeventofillnesswillbereducedaccordingly.

Accelerated specified illness cover

Ifthisbenefitapplieswewillpaytheacceleratedspecifiedillnesscoverplusanyincreasesduetoindexationifeither,orboth,ofthelivescoveredisdiagnosedduringthetermoftheplanashavingoneofthe38specifiedillnesseslistedintheTermsandConditionsBooklet.Ifoneormoreofthoseillnessesorconditionsisnotcovered,thiswillbereferredtointheplanschedule(orcertificateofmembership,ifapplicable).

Nootherillnessesorconditionsarecovered.

Theamountoflifecoverforapersonwillbereducedbytheamountofanyacceleratedspecifiedillnesscoverpayment.

If,atanystage,youchoosetoreduceyourbenefitsandpayments,theamountwepayintheeventofillnesswillbereducedaccordingly.

Partial payment illness benefit

Ifspecifiedillnesscoverapplies,aswellasthe38specifiedillnessesmentionedabove,wewillpay €15,000(or50%ofyourspecifiedillnesscoveramount,whicheverislower)ifyouarediagnosedwithoneof13otherillnesses.Itisseparatefromyourmainspecifiedillnessbenefit.Thetotalamountwewillpaythroughpartialpaymentsislimitedtotheamountofyourspecifiedillnesscoverasshownonyourplanschedule.Youareonlyallowedtoclaimonceforeachofthe13illnesses.Fordetails,pleaseseeyourTermsandConditionsbooklet.

Hospital cash cover

Wewillpaythehospitalcashcoverdailybenefitshownonyourplanschedule(orcertificateofmembership,ifapplicable)plusanyincreasesduetoindexationifeitherofthelivesassuredareinhospitalformorethan72hoursinarow(3days).Eachofthelivesassuredarecoveredforamaximumof365daysintotaloverthedurationoftheplan.

Hospitalcashcoverendsonthepolicyanniversarybeforeyour60thbirthdayifthisisbeforetheendofyourplan.

Children’s hospital cash cover

Ifhospitalcashcoverapplies,wewillpay25%ofeachparent’sbenefitifyourchild(overtheageofoneandundertheageof21)isinhospitalformorethan72hoursinarow(3days).Thisbenefitdoublesafter14

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consecutivedaysifthechildisstillinhospital.Theyarecoveredforamaximumof365daysintotaloverthedurationoftheplan.

Accident cover

Ifthisbenefitapplies,wewillprovideaspecifiedcashpaymentifeitherofthelivescoveredareunabletoworkasadirectresultofaninjurysustainedinanaccident.Wewillpaythebenefitfromthestartofthethirdweekoutofworkuntilthatpersonisfitenoughtoreturntowork.Throughoutthetermoftheplanwewillpayamaximumof52weeksbenefit.Whereeitherofthelivescoveredsuffersoneof10namedfracturesor4dislocationswewillimmediatelypayafixednumberofweeksbenefit.Themaximumwewillpayis40%ofyourgrossearningslessanysimilarinsuranceeitherofthelivescoveredmayhave.

Accidentcoverendsonthepolicyanniversarybeforeyour60thbirthdayifthisisbeforetheendofyourplan.

Accidentaldeathbenefit

Thisisanautomaticadditionalbenefit.Wewillpaythedeathbenefit(toamaximumof¤150,000)onaccidentaldeathbetweenthetimetheapplicationisreceivedbyIrishLife(togetherwithacompleteddirectdebit)andtheearlierofthefollowing:

• thedayofthefinalunderwritingdecisioniftermsarebeingoffered

• thedayoftheunderwritingdecisionifwearedecliningorpostponingcover

• 30daysfromthedatewereceivetheapplication.

Forthisbenefit,“AccidentalDeath”meansdeathcausedsolelyanddirectlyasaresultofanaccidentcausedbyviolent,visibleandexternalmeansandindependentlyofanyothercause.

Therearethefollowingrestrictions:

• Thebenefitpayableissubjecttothelowerofthelifesumassuredor¤150,000

• Thebenefitissubjecttoamaximumentryageof55

• Exclusionsapplyaroundthenatureofthedeathe.g.suicideorintentionalself-inflictedinjurycausingdeathareexcluded.Therearefurtherdetailsoftheexclusionsinthetermsandconditionsbooklet.

WewillonlypayonceunderAccidentalDeathBenefitinrespectofanylife,regardlessofthenumberofplansorapplicationsapersonhaswithIrishLife.

Guaranteed cover again

ThisvaluableoptionallowsyoutotakeoutanotherIrishLifetermassuranceplanwiththesamelevelofcoverprovidedunderthisplan,withouthavingtoprovidemedicalevidence.Thisoptioncanbeexercisedatanytimebeforetheexpirydateoftherelevantbenefit,subjecttotheplanconditionsandthebenefitsweofferatthattime.Toavailofthisoptionyoumustapplyinwritingbeforetheexpirydate.Thisoptionwillapplytoamaximumlifecoversumassuredof¤5,000,000andamaximumspecifiedillnesscoversumassuredof¤1,000,000.Thecostofthenewplanwillbebasedontermsapplyingatthattime.Thisoptionceasesiftheplanhasbeencancelledforanyreasonbeforetheexpirydatee.g.asaresultofnotmakingpaymentsorthepaymentofabenefit.

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Guaranteed insurability option

Thisisanautomaticadditionalbenefit.Ifcoverhasnotended,youcanaskustosetupanewLifeTermCoverplanforthelesserof:

• 50%ofyourlifeand/orspecifiedillnesscoverbenefit;or

• €125,000

withouthavingtoprovideevidenceofhealth,withinthreemonthsof:

• beinggrantedanewmortgageoranincreaseinanexistingmortgage(theincreaseincovercannotbehigherthanthemortgageorincreaseinmortgage),wheretheneworincreasedmortgagearisesfromamovetoanewhouseorsignificantimprovementstotheexistinghouse.Themortgagemustbedrawndown.

• gettingmarried;or

• havingoradoptingachild;or

• anincreaseinthelifeinsured’ssalary,asaresultofachangeinjoborgettingapromotion.Inthisinstance,thepercentageincreaseinthesumassuredislimitedtothepercentageincreaseinsalary.Youremploymentstatusmustbeemployee/employed.Thisisnotavailablewhereyouremploymentstatusisself-employed,companydirectororpartner.

Youmustbeaged55orunderinordertoexercisethisoption.

Themaximumnumberoftimesyoumayexercisethisoptionistwice.

Thecostofthenewplanwillbebasedontermsapplyingatthattime.

Youwillneedtoprovideindependentproofofthemortgage,marriage,birth,adoptionorsalaryincreasebeforewecansetupanewplan.Youmustaskforanewplanunderthisparagraphwithinthreemonthsofthemarriage,birth,adoptionorsalaryincrease,orthedateofthemortgagedrawdown.PleaserefertoyourTermsandConditionsbookletformoredetails.

Ifyouwanttotakeoutadditionalspecifiedillnesscover,youmusttakeouttheplanbeforethespecifiedillnesscoverbenefitcomestoanend.

What is the term of the contract?

Theplanprovidesprotectionbenefitsforafixedterm.Thespecifiedillnesscovermaystopbeforetheendofyourplanterm;specifiedillnesscovercannotcontinuepastthepolicyanniversarybeforeyour75thbirthday.

Are there any circumstances under which the plan may be ended?

Wemaycancelyourplanifyoustopmakingpayments.

Is there an opportunity to change your mind?

Youhaveanopportunitytocancelthisplanifyouarenotsatisfiedthatthebenefitsmeetyourneeds.YoumaydothisbywritingtoourCustomerServicesTeamatIrishLifewithin30daysofthedatewesendyouthedetailsofyourplan.OncancellationallbenefitswillceaseandIrishLifewillrefundyourpayments.

Law applicable to your plan

IrishLawgovernstheplanandtheIrishCourtsaretheonlycourtsthatareentitledtosettledisputes.

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What to do if you are not happy or have any questions?

Ifforanyreasonyoufeelthatthisplanisnotrightforyou,orifyouhaveanyquestions,youshouldcontacttheIrishLifeCustomerServicesTeam,LowerAbbeyStreet,Dublin1whowilldealwithyourenquiry.OurCustomerServicesTeamalsooperateaninternalcomplaintsprocedureandanycomplaintsyoumayhavewill,inthefirstinstance,befullyreviewedbythem.Ifyoufeelwehavenotdealtfairlywithyourcomplaint,youshouldcontacttheFinancialServicesOmbudsmanat3rdFloor,LincolnHouse,LincolnPlace,Dublin2.

B. INFORMATION ON SERVICE FEETherearenochargespayabletoIrishLifeotherthanthosesetoutinyourtableofbenefitsandchargesandinyourTermsandConditionsBooklet.

C. INFORMATION ABOUT THE INSURER/INSURANCE INTERMEDIARY/SALES EMPLOYEE

InsurerTheLifeTermCoverplanisprovidedbyIrishLifeAssuranceplc,acompanyauthorisedinIreland.IrishLifeAssuranceplcisregulatedbytheCentralBankofIreland.YoucancontactusatIrishLifeCentre,LowerAbbeyStreet,Dublin1,bytelephoneat017041010,byfaxat017041900,andbye-mailatcustomerservice@irishlife.ie.Intheinterestofcustomerservice,wewillrecordandmonitorcalls.

Insurance IntermediaryThefinancialadvisershouldinsertdetailsoftheirname,legalstatus,theiraddressforcorrespondenceandacontacttelephonenumber/faxnumberore-mailaddressandwhererelevant,thecompanieswithwhomagenciesareheld.

NodelegatedorbindingauthorityisgrantedbyIrishLifetoyoursalesadviserinrelationtounderwriting,claimshandlingorclaimssettlement.

D. INFORMATION TO BE SUPPLIED TO THE POLICYHOLDER DURING THE TERM OF THE INSURANCE CONTRACT

WeatIrishLifeareobligedbylawtotellyouifanyofthefollowingeventsoccursduringthetermofyourcontract:

• wechangeourname;

• ourlegalstatuschanges;

• ourheadofficeaddresschanges;

• analterationismadetoanytermofthecontractwhichresultsinachangetotheinformationgiveninparagraphA(8)ofthisdocument.

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Contact us

Phone: 01 704 10 10 8am to 8pm Monday to Thursday 10am to 6pm on Fridays 9am to 1pm on Saturdays

Fax: 01 704 19 00

e-mail: [email protected]: www.irishlife.ieWrite to: Irish Life Assurance plc, Lower Abbey Street, Dublin 1.

Irish Life Assurance plc is regulated by the Central Bank of Ireland.

In the interest of customer service we will record and monitor calls. Irish Life Assurance plc, Registered in Ireland number 152576, Vat number 9F55923G.

ILA 3078 (REV 12-11)

PEFC/01-31-70

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