Paper application form
To be completed by all advisers: Non-advised sale Friends Life Protect+ Application form for personal cover, business cover and tele-interviewing If not ticked we will assume advice was given FLIP/6525/Oct 14 FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM Details of introducer Name Address Postcode Telephone no. Email address Regulator reference no. Agency no. Quoted premium Network details Your ref 2 | FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM How to fill in this application booklet •Please complete all relevant sections of the application booklet using BLACK INK and BLOCK CAPITALS. • Please ensure that all questions are fully answered to prevent any delay in the assessment of your application. •If submitting for telephone interview, the application will be passed to our telephone interviewing team to contact the client to complete the application in full. • Please print clearly, sign, date and return your application booklet to: Friends Life Individual Protection PO Box 569 Friends Life Centre Bristol BS34 9FE. If you have any queries, please call us on 0845 600 3122* Disclosure of all relevant information If you proceed with your Friends Life Flexible Protection Plan, we will set it up based on your responses to the questions in this application form and/or your responses to the questions we ask you in the telephone interview. It is therefore important that you answer the questions accurately and completely. If you are in any doubt as to whether to disclose any information in response to any of the questions in this application form, please put the information in this application form. If you do not disclose complete and accurate responses to the questions in this application form this may result in the non-payment of a claim and may also result in the cancellation of your policy in certain specific circumstances (please see the Protect+ membership handbook for further information). Changes before cover commences When you submit this application form to us you will agree to tell us if any of your responses to any of the questions in this application form or to your responses to any other questions which we ask you with regard to your application change before cover commences. If you fail to do this, we may not pay your benefit if you make a claim, or in certain specific circumstances we may cancel your cover (please see the Protect+ membership handbook for further information). Tele-interviewing Please note that an application cannot be submitted for tele-interviewing if either the life assured has been diagnosed with, or suffered from cancer, heart disease, stroke, multiple sclerosis or diabetes within the last two years or has been unsuccessful in applying for life, critical illness or income protection cover within the last two years. • Please ensure you provide your client with a tele-interview client leaflet in advance of submitting their application online. • Please ensure that you answer questions in sections 1, 2, 3, 4, 5, 6 and 8 only. • Please note that if the application is for joint life cover, both lives will be tele-interviewed. • Please ensure your client signs the medical declaration and consent on page 19, and 21 if applicable, and sections 11-19 have been read. * Calls may be recorded and may be monitored | 3 The application form The form is made up of the following sections: Page 1 About lives assured............................................................................................................................................................................................................................... 5 2 About schemeholders.......................................................................................................................................................................................................................... 5 Quote details....................................................................................................................................................................................................................................................... 6 3 Existing cover.........................................................................................................................................................................................................................................10 4Occupation...............................................................................................................................................................................................................................................11 5 Occupation and income details for income protection only.................................................................................................................................................11 6Pastimes...................................................................................................................................................................................................................................................12 7Lifestyle.....................................................................................................................................................................................................................................................12 8 Doctors’ details......................................................................................................................................................................................................................................13 9 Main medical summary.......................................................................................................................................................................................................................13 10 Medical history.......................................................................................................................................................................................................................................14 10.1 Medical history – other...........................................................................................................................................................................................................14 10.2 General health questions.......................................................................................................................................................................................................14 10.3 Family history..............................................................................................................................................................................................................................15 10.4 Further medical questions...............................................................................................................................................................................................16-17 11 Access to medical reports................................................................................................................................................................................................................. 17 12a Medical declaration and consent for life assured 1..................................................................................................................................................................19 12b Medical declaration and consent for life assured 2.................................................................................................................................................................21 13 General declaration and consent .................................................................................................................................................................................................22 14 Declaration for schemeholder(s) who are not a life assured.............................................................................................................................................22 15 General notes........................................................................................................................................................................................................................................23 16 Data protection.....................................................................................................................................................................................................................................23 17 Financial crime......................................................................................................................................................................................................................................23 18 Accidental death benefit cover...............................................................................................................................................................................................24-25 19 Free cover benefit.........................................................................................................................................................................................................................24-25 Direct Debit details......................................................................................................................................................................................................................................... 27 4 | FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 1.About lives assured Please give the details here of any person on whose life an application for cover is being made. Life assured 1 Life assured 2 Title: Mr, Mrs, Miss or other title (eg Sir) Marital status First name Last name Second name Date of birth Nationality Sex Smoker? Occupation Postcode Address Please note that one telephone number is mandatory Telephone number Evening Telephone number Daytime Telephone number Mobile Email address 2. About schemeholders Please answer the questions below about the schemeholders only if different to the lives assured (above). Applicant 1 Applicant 2 Title: Mr, Mrs, Miss or other title (eg Sir) Company name (if applicable) Position in company (if applicable) First name Last name Second name Date of birth Postcode Address | 5 FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM Quote details Please tick the relevant boxes below to specify the type of cover required. Product Life cover Critical illness cover Critical illness with life cover Income protection cover Is this application: Advised Non-advised Which life assured (Please select one per product) Life assured 1 Life assured 2 Joint life first event Schemeholder (Only complete if different to the lives assured. For income protection, the schemeholder must be the same as the life assured). There can be a maximum of two schemeholders for each product. Applicant 1 Applicant 2 Please state insurable interest Term type and term of cover (Please select one of the term types below and indicate the number of years the term is required in the appropriate box) Mortgage protection Number of years (minimum of 5 years, maximum of 40 years) Level Number of years (minimum of 5 years, maximum of 40 years) Decreasing term assurance Number of years (minimum of 5 years, maximum of 40 years) Family income benefit (not available if applying for business cover) Number of years (minimum of 5 years, maximum of 40 years) Renewable Five years Ten years (if you select renewable premiums, your premiums may increase at each renewal without the need for further medical evidence based on the age of the person covered and our premium rates at that time on each fifth or tenth year anniversary depending on the term you have selected) Income protection (only) (Please confirm your specific age in the appropriate box) Term to retirement Retirement age (50-70)Specific age Fixed term Number of years (minimum of 5 years, maximum of 52 years) Deferred period (months) Limited benefit period 1 Yes 2 No 3 6 12 24 Premium basis Guaranteed Reviewable Renewable (only available with renewable term) 6 | FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM Quote details (continued) Product Life cover Critical illness cover Critical illness with life cover Income protection cover Amount of benefit Lump sum or Annual income (only available with family income benefit) £ £ £ £ £ £ Monthly benefit (only available with income protection cover) £ Indexation (not available with mortgage protection or decreasing term) No RPI AWE 3% 5% Reinstatement cover Yes No Fracture cover Life assured 1 Life assured 2 Life assured 1 Life assured 2 Life assured 1 Life assured 2 Monthly Annual Mortgage protection Personal/family protection Shareholder protection Partnership protection Key man protection Is this product to be written in trust? Life assured 1 Life assured 2 Life assured 1 Life assured 2 Total permanent disability Premium waiver Premium frequency Reason for cover (please select if ‘Yes’) Accidental death benefit (please see section 18) Free cover benefit (please see section 19) Commission sacrifice IFA reference number | 7 FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM Add more products - Quote details (please complete only if you wish to add more products to your application) Please tick the relevant boxes below to specify the type of cover required. Product Life cover Critical illness cover Critical illness with life cover Income protection cover Is this application: Advised Non-advised Which life assured (Please select one per product) Life assured 1 Life assured 2 Joint life first event Schemeholder (Only complete if different from the lives assured. For income protection, the schemeholder must be the same as the life assured). There can be a maximum of two schemeholders for each product. Applicant 1 Applicant 2 Please state insurable interest Term type and term of cover (Please select one of the term types below and indicate the number of years the term is required in the appropriate box) Mortgage protection Number of years (minimum of 5 years, maximum of 40 years) Level Number of years (minimum of 5 years, maximum of 40 years) Decreasing term assurance Number of years (minimum of 5 years, maximum of 40 years) Family income benefit (not available if applying for business cover) Number of years (minimum of 5 years, maximum of 40 years) Renewable Five years Ten years (if you select renewable premiums, your premiums may increase at each renewal without the need for further medical evidence based on the age of the person covered and our premium rates at that time on each fifth or tenth year anniversary depending on the term you have selected) Income protection (only) (Please confirm your specific age in the appropriate box) Term to retirement Retirement age (50-70)Specific age Fixed term Number of years (minimum of 5 years, maximum of 52 years) Deferred period (months) Limited benefit period 1 Yes 2 No 3 6 12 24 Premium basis Guaranteed Reviewable Renewable (only available with renewable term) 8 | FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM Quote details (continued) Product Life cover Critical illness cover Critical illness with life cover Income protection cover Amount of benefit Lump sum or Annual income (only available with family income benefit) £ £ £ £ £ £ Monthly benefit (only available with income protection cover) £ Indexation (not available with mortgage protection or decreasing term) No RPI AWE 3% 5% Reinstatement cover Yes No Fracture cover Life assured 1 Life assured 2 Life assured 1 Life assured 2 Life assured 1 Life assured 2 Monthly Annual Mortgage protection Personal/family protection Shareholder protection Partnership protection Key man protection Is this product to be written in trust? Life assured 1 Life assured 2 Life assured 1 Life assured 2 Total permanent disability Premium waiver Premium frequency Reason for cover (please select if ‘Yes’) Accidental death benefit (please see section 18) Free cover benefit (please see section 19) Commission sacrifice IFA reference number | 9 FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 3. Existing cover Please complete the following questions for both lives and all types of benefits. If you answer ‘Yes’ to any question below, please give full details and dates where relevant. Life assured 1 1. Is this application to replace an existing Friends Life protection policy (or policies)? In addition to protection policies with a Friends Life company, these would also include protection policies with Bupa Health Assurance Limited, Friends Provident or AXA Protection Account policies. Life assured 2 Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No 2. Please list all policy numbers to be cancelled. It remains the responsibility of the schemeholder to ensure that any cover no longer required is cancelled, along with the associated payment arrangements. 3. Have you had, or have you requested, a telephone interview with Friends Life in the last 12 months? If “Yes”, please give a date of telephone interview (mm/yyyy): 4. Have you ever had an application for life, critical illness or income protection cover which has been turned down or accepted on special terms, e.g. an increased premium or an exclusion? If “Yes”, please give name of company and date and details of decision. 5. Does the amount of total cover (life and critical illness) that you already hold, including any cover that is currently proposed or contemplated, exceed the amount of £10 million? Types of cover include, but are not limited to, any personal cover, mortgage cover (commercial or personal), business cover and death in service cover. (not applicable if applying for income protection cover) If “Yes”, please give full details of existing, pending and contemplated cover. Any cover under this application will be subject to Friends Life Individual Protection obtaining cover in the reinsurance market. 10 | FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 4. Occupation Life assured 2 Life assured 1 1. Please state your occupation. Please also answer the questions below if you are applying for income protection cover, waiver of premium or total permanent disability cover otherwise please move to section 6 2. Please state business miles a year. 3. Please give details of any manual work and percentage of time spent on it. 4. Do you work at heights over 40 feet? If ‘Yes’, please state details and percentage of time. Yes No Yes No 5. Nature of business or industry you work in: 5. Occupation and income details for income protection only 1. Please confirm your total earned income or salary including bonuses and commission in the last 12 months 2. Do you use power tools or machinery? If ‘Yes’, please state details and percentage of time. Life assured 1 Life assured 2 £ £ Yes No Yes 3. Average working hours a week: No hours hours 4. A re there any other hazardous aspects of your job or working environment? eg working offshore 5. Are you self-employed? (If ‘Yes’, how long have you been self-employed?) 6. Please give details of your gross annual income during the last year (for self-employed, income means personal earnings as assessed for income tax after deduction of allowable expenses). Yes £ Yes Dividends, bonuses and commission No Salary £ Value of P11D benefits £ Salary £ 7. What amount of gross annual income would continue past the £ requested deferred period and for how long? £ 8. Excluding state benefits and this application, what amount of monthly benefit e.g. income protection, accident and sickness, would continue past the requested deferred period and for how long? £ £ Dividends, bonuses and commission No £ Value of P11D benefits £ If you have selected more than one deferred period, please also complete questions 9 and 10 9. What amount of gross annual income would continue past the requested deferred period and for how long? £ £ 10. Excluding state benefits and this application, what amount of monthly benefit e.g. income protection, accident and sickness, would continue past the requested deferred period and for how long? £ £ | 11 FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 6. Pastimes 1. D o you, or do you intend to take part in any hazardous sports or activities such as mountaineering, diving, private flying, motor sport etc.? Life assured 1 Yes No Life assured 2 Yes No If “Yes”, please advise what exactly and complete the appropriate questionnaire 7. Lifestyle Life assured 1 1. Please state your height and weight 2. Have you used any form of tobacco or nicotine product in the last 12 months? Life assured 2 _________ft _________ins or _________ cms _________ft _________ins or _________ cms _________st _________lbs or _________ kgs _________st _________lbs or _________ kgs Yes No Yes No If “Yes”, please provide details. • Number of cigarettes/cigars a day • Pipe smoker or other nicotine usage. Please note: random tests may be carried out to verify non-smoking. 3. How many units of alcohol do you drink a week? 1 pint of beer = 3 units 1 glass of wine = 1.5 units 1 measure spirits = 1 unit 4. Have you ever been advised by your doctor or other medical practitioner to drink less alcohol? Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No If “Yes”, please provide dates and details. 5. Have you ever taken recreational drugs, e.g. cannabis, ecstasy, heroin, cocaine, or prescription drugs not prescribed to you by a doctor? If “Yes”, please provide dates and details. 6. During the last five years have you lived or travelled abroad, other than for normal holidays of up to 30 days a year? If “Yes”, please provide details including the names of countries and dates and duration of visits. Do you intend to do so in the future? 12 | FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 8. Doctors’ details Life assured 1 1. Name and address of your GP. Name or Practice name Please note we may not necessarily contact your Address doctor. Even if we do, you must still answer all the questions in the application form accurately Postcode and completely. 2. If you have been registered with this doctor for less than six months, please provide details of your previous doctor. Life assured 2 Name or Practice name Address Postcode Telephone number Telephone number Name or Practice name Name or Practice name Address Address Postcode Telephone number Postcode Telephone number 9. Main medical summary If you answer ‘Yes’ to any question, please give full details, i.e. symptoms or diagnosis of condition, dates and duration, who was consulted, details and results of any tests and whether or not a full recovery was made. Please note that for those conditions indicated with an *, additional questionnaires will be required. Please do not assume that we will contact your doctor and that your doctor will provide the information we need. It remains your responsibility to complete this application form fully. In accordance with the Association of British Insurers’ policy on genetics and insurance, you do not need to tell us about any genetic test result you have had if this application for insurance, taken together with any other insurance policies you already have, totals up to £500,000 for life cover, £300,000 for critical illness cover and £30,000 a year for income protection. Above £500,000 for life cover, £300,000 for critical illness and £30,000 a year for income protection, you may need to tell us about certain genetic test results when applying for certain types of insurance. We will only be interested in genetic test results where the Government’s Genetics and Insurance Committee has approved them for insurers to use. If you think this may apply to you, please ask us for details of the current position. However, you must tell us if you either have a family history of, are experiencing symptoms of, or are having treatment for, a medical condition including any genetically inherited condition. 1. Do you currently have or have you ever had any of the following: If yes, please complete section 10.4 Further medical questions. Where questions have an *, please complete appropriate questionnaire. Life assured 1 Life assured 2 a. Any form of cancer, leukaemia, Hodgkins disease, spinal tumour, lymphoma or melanoma? Yes No Yes No b. Heart disorder including heart attack, angina, cardiomyopathy or heart murmur? Yes No Yes No c. Stroke, brain haemorrhage, transient ischaemic attack (TIA), brain injury or brain tumour? Yes No Yes No d. Multiple sclerosis, Parkinson’s disease, paralysis, Alzheimer’s disease, dementia or cerebral palsy? Yes No Yes No e. Numbness, loss of feeling, tingling, tremor or temporary loss of muscle power? Yes No Yes No f. Blindness, blurred or disturbed vision not fully corrected by glasses or contact lenses, e.g. optic neuritis or glaucoma? Yes No Yes No g. Diabetes or sugar in the urine?* Yes No Yes No h. Mental illness that has required hospital treatment or referral to a psychiatrist?* Yes No Yes No | 13 FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 10. Medical history 1) In the last five years, have you had any of the following: If yes, please complete section 10.4 Further medical questions. Where questions have an *, please complete appropriate questionnaire. a. A lump or growth of any kind; or any mole or freckle that has bled, become painful, changed colour or increased in size?* Life assured 1 Yes No Yes No b. Chest pain, irregular heart beat, raised blood pressure or raised cholesterol? Yes No Yes No c. Asthma?* Yes No Yes No d. Breathlessness, bronchitis, sarcoidosis or any lung disease other than asthma?* Yes No Yes No e. Epilepsy, dizziness or blackouts?* Yes No Yes No f. Deafness or any ear problem?* Yes No Yes No g. Arthritis, or any muscle, bone or joint disorder eg sciatica, back, neck, shoulder or knee pain, RSI or gout?* Yes No Yes No h. Disorder of the digestive system, liver, stomach, pancreas or bowel including ulcers, hepatitis, colitis or Crohn’s disease?* Yes No Yes No i. Blood disorder or anaemia? Yes No Yes No j. Thyroid disorder?* Yes No Yes No k. Any kidney, bladder or other genito-urinary disorder, including blood or protein in the urine, kidney cysts or multiple urinary tract infections?* Yes No Yes No l. Stress, anxiety, depression, insomnia, chronic fatigue or any psychiatric or eating disorder?* Yes No Yes No m. Any skin disorder or allergy?* Yes No Yes No No Yes No No Yes No n. (Females only) Abnormal cervical smear or mammogram, or had a biopsy of the breast, cervix or uterus?* Yes o. (Males only) Prostate enlargement or raised PSA (prostate specific antigen)? Yes Life assured 2 10.1 Medical history - other 1) In the last five years, other than for the medical conditions already mentioned, have you: If yes, please complete section 10.4 Further medical questions. Where questions have an *, please complete appropriate questionnaire. Life assured 1 Life assured 2 a. Had or have been advised to have any medical investigations, scans or blood tests? Yes No Yes No b. Received any form of medical attention at a hospital as an in-patient or out-patient? Yes No Yes No 10.2 General health questions If yes, please complete section 10.4 Further medical questions. Where questions have an *, please complete appropriate questionnaire. 1.Are you currently experiencing any symptoms or disorder for which you have not consulted a doctor? 2.Are you currently taking drugs, medicines or tablets or receiving any other treatment for a condition not already mentioned? 3.Are you currently awaiting a medical consultation or hospital appointment, or awaiting the results of any tests? 4.Have you ever tested positive for HIV, hepatitis B or C or are you awaiting the results of a test? (If the result was negative, the fact that you have had an HIV test will not affect your application for insurance) 5.Within the last five years have you been exposed to the risk of HIV infection? (This can be through unsafe sex, intravenous drug use or blood transfusions or surgery outside the EU) 6.Within the last five years have you tested positive or been treated for any disease which was transmitted sexually? Life assured 1 Life assured 2 Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No Please answer the following question if you are applying for income protection cover not if you are applying for life cover or critical illness cover: 7. Have you had more than 15 days sick leave in the last two years? 14 | FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 10.3 Family history Have any of your parents, brothers or sisters ever had any of the following medical conditions before they reached age 60? If yes, please complete section 10.4 Further medical questions. If you are unable to answer this section due to being adopted or similar circumstances, please indicate below and explain the reasons why you are unable to answer in the space(s) below. Life assured 1 Life assured 2 Alzheimer’s disease Yes No Yes No Cancer Yes No Yes No Diabetes Yes No Yes No Haemochromatosis Yes No Yes No Heart disease (including cardiomyopathy, heart attack or angina) Yes No Yes No Huntington’s disease Yes No Yes No Kidney failure or polycystic kidney disease Yes No Yes No Motor neurone disease Yes No Yes No Multiple sclerosis Yes No Yes No Parkinson’s disease Yes No Yes No Polyposis of the colon Yes No Yes No Stroke Yes No Yes No Any hereditary disorder? Yes No Yes No Life assured 1 Life assured 2 | 15 FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 10.4 Further medical questions Life assured 1 Life assured 2 If you have answered ‘Yes’ to one or more of the questions in sections 9 and 10, please complete the questions below for each ‘Yes’ answered. If you have answered ‘Yes’ to one or more of the questions in sections 9 and 10, please complete the questions below for each ‘Yes’ answered. 1. The question number these details relate to: 1. The question number these details relate to: Please provide full details in response to the relevant questions including the name of the illness, date of diagnosis, treatment given, the results of any tests and whether a full recovery has been made. Please provide full details in response to the relevant questions including the name of the illness, date of diagnosis, treatment given, the results of any tests and whether a full recovery has been made. 2. The question number these details relate to: 2. The question number these details relate to: Please provide full details in response to the relevant questions including the name of the illness, date of diagnosis, treatment given, the results of any tests and whether a full recovery has been made. Please provide full details in response to the relevant questions including the name of the illness, date of diagnosis, treatment given, the results of any tests and whether a full recovery has been made. 16 | FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 10.4 Further medical questions (continued) 3. The question number these details relate to: 3. The question number these details relate to: Please provide full details in response to the relevant questions including the name of the illness, date of diagnosis, treatment given, the results of any tests and whether a full recovery has been made. Please provide full details in response to the relevant questions including the name of the illness, date of diagnosis, treatment given, the results of any tests and whether a full recovery has been made. 11. Access to medical reports Please read this section carefully, as it sets out your rights under The Access to Medical Reports Act 1988 and The Access to Medical Reports (NI) Order 1991. In order to process your application and review any scheme issued, we may need to apply for a medical report from any doctor who has attended you. To apply, we need you to give your consent by signing the declaration below. You can choose from three courses of action: •you can give your consent without asking to see the doctor’s report before it is sent to us. The report will then be sent directly to us by the doctor. Should you give your consent to us obtaining a report without indicating that you wish to see it, you can change your mind by contacting the doctor before the report is sent to us in which case you will have the opportunity to see the report and ask the doctor to change the report or add your comments before it is sent to us. Alternatively, you can withhold your consent to its release. •you can give your consent, but ask to see any report before it is sent to us, in which case you have 21 days after we notify you that we have requested a report from the doctor, to contact the doctor to make arrangements to see the report. If you fail to contact the doctor within 21 days, he will be entitled to send the report directly to us. If you do contact the doctor asking to see the report, you must give the doctor written consent before he can release it to us. You may ask the doctor to change the report if you think it is misleading. If the doctor refuses, you can insist on adding your own comments to the report before it is sent to us. This does not prevent you from applying to other companies for insurance. •you can withhold your consent but, if you do, please bear in mind that we may be unable to accept the application. Whether or not you indicate your wish to see the report before it is sent, you have the right to ask the doctor to let you see a copy, provided that you ask him within six months of the report having been supplied to us. If you ask for a copy the doctor can charge you a reasonable fee to cover the costs of supplying it. The doctor is entitled to withhold some or all of the report if (a) he feels that it may be harmful to you or (b) it would indicate his intentions in respect of you or (c) would reveal the identity of another person without their consent (other than that provided by a health professional in their professional capacity in relation to your care). The medical report your doctor fills in asks about the following: •your current health •any care, medication or treatment you are currently receiving •the results of referrals or tests you are waiting for •any time off work in the last three years •your past health •details of any relevant illness, trauma, or referrals for specialist advice or treatment, hospital admissions, consultations with your GP or any other medical adviser, therapist or counsellor, in particular whether you have a history of; •malignancy (cancer), cardiovascular (heart) disease, diabetes, and degenerative (gradually worsening) diseases •musculoskeletal disease or injury, for example, arthritis, rheumatism, back problems or any other disorder of the joints or muscles; •anxiety, depression, neurosis (such as phobias, obsessions and so on), psychosis (a mental disorder where you lose contact with reality), stress or fatigue; • suicidal thoughts or attempts at suicide; or •conditions related to drug or alcohol misuse or smoking or chewing tobacco; •details of any biopsies, blood tests, electrocardiograms (heart test), height, weight if measured in the last two years, urinalyses (tests on urine), X-rays or other investigations •any blood pressure readings in the last three years •any history of disease among your parents or brothers or sisters that you have told your doctor about. We have asked your doctor not to reveal information about: •negative tests for HIV, hepatitis B or C •any sexually-transmitted diseases unless there could be long term effects on your health; or •predictive genetic test results unless there is a favourable test result which shows that you have not inherited a condition your family suffers from The information you and your doctor provide about your health may result in us: •refusing to provide insurance; •increasing premiums above standard rates; or •setting premiums at standard rates. | 17 18 | FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 12a. Medical declaration and consent for life assured 1 Friends Life Individual Protection products are provided by Friends Life and Pensions Limited, part of the Friends Life group. I consent to Friends Life Individual Protection seeking medical information from any insurance office to which an application has been made for insurance on my life and I authorise the giving of this information. I understand that Friends Life Individual Protection may require sight of my medical records to consider a claim. I have been informed of my statutory rights under the Access to Medical Reports Act 1988 and The Access to Medical Reports (NI) Order 1991, and, in connection with this current application, consent to Friends Life Individual Protection, obtaining medical information from any doctor who, at any time, has attended me, or from any other relevant person concerning anything which affects my physical or mental health and I agree that a copy of this consent shall have the validity of the original. I agree that Friends Life Individual Protection may request a medical report following the issue of any scheme, using this consent, for a period of up to six months or any time after my death. I do not wish to see any report before it is sent to Friends Life Individual Protection. NB. If you do wish to see any report before it is sent to us, please delete the words in italics. *If you do not consent to Friends Life Individual Protection obtaining a medical report please put a cross in the following box. *You can withhold your consent but, if you do, please bear in mind that we may be unable to accept your application. I acknowledge that Friends Life Individual Protection is not provided with this form. Life assured 1 Signed Date 7 7 Name (in BLOCK CAPITALS) If known, please input the proposal number: | 19 20 | FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 12b. Medical declaration and consent for life assured 2 Friends Life Individual Protection products are provided by Friends Life and Pensions Limited, part of the Friends Life group. I consent to Friends Life Individual Protection seeking medical information from any insurance office to which an application has been made for insurance on my life and I authorise the giving of this information. I understand that Friends Life Individual Protection may require sight of my medical records to consider a claim. I have been informed of my statutory rights under the Access to Medical Reports Act 1988 and The Access to Medical Reports (NI) Order 1991, and, in connection with this current application, consent to Friends Life Individual Protection, obtaining medical information from any doctor who, at any time, has attended me, or from any other relevant person concerning anything which affects my physical or mental health and I agree that a copy of this consent shall have the validity of the original. I agree that Friends Life Individual Protection may request a medical report following the issue of any scheme, using this consent, for a period of up to six months or any time after my death. I do not wish to see any report before it is sent to Friends Life Individual Protection. NB. If you do wish to see any report before it is sent to us, please delete the words in italics. *If you do not consent to Friends Life Individual Protection obtaining a medical report please put a cross in the following box. *You can withhold your consent but, if you do, please bear in mind that we may be unable to accept your application. I acknowledge that Friends Life Individual Protection is not provided with this form. Life assured 2 Signed Date 7 7 Name (in BLOCK CAPITALS) If known, please input the proposal number: | 21 FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 13. General declaration and consent Friends Life Individual Protection products are provided by Friends Life and Pensions Limited, part of the Friends Life group. I/We declare that, to the best of my/our knowledge and belief, all answers in this application are true and complete in every particular. I/We will inform Friends Life Individual Protection immediately of any changes to my/our responses to the questions in this application form if any such changes occur between the date this application form is signed and the date the scheme is implemented. I/We are aware that if I/we are in any doubt as to whether any information should be disclosed in response to the questions in this application form, then I/we should disclose it. I/We acknowledge that failure to respond accurately and completely to the questions in this application form may result in the non-payment of a claim or Friends Life cancelling my/our policy in certain specified circumstances (please see the Protect+ membership handbook for further information). I/We confirm that we have read the Data Protection notice on section 16. I/We confirm that I/we give explicit consent, within the provisions of the Data Protection Act 1998 for Friends Life Individual Protection, their reassurers and any relevant medical agencies to process my/our personal details with respect to this application and in administering the membership and any claim that may be made in respect of the membership. I/We hereby apply to take out the scheme(s) set out in section ‘Quote details’ and agree to be bound by the rules of any scheme for which the application(s) is/are accepted. I/We confirm that I/we have read and understood sections (1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18 and 19) and these have been completed using information I/we have provided unless directed not to do so by the terms of the application form. I/We confirm that this application for Friends Life Individual Protection Critical Illness/Friends Life Individual Protection Critical Illness with Life Cover/Friends Life Individual Protection Life Cover/Friends Life Individual Protection Income Protection Cover (delete non-applicable) policy is made by me/us in respect of my/our own life(s). Life assured 1 Signed Date 7 7 Life assured 2 Signed Date 7 7 Name (in BLOCK CAPITALS) Name (in BLOCK CAPITALS) 14. Declaration for schemeholder(s) who are not a life assured You must read and sign this section if you are applying for a scheme and you are not a life assured. Friends Life Individual Protection products are provided by Friends Life and Pensions Limited, part of the Friends Life group. I/We hereby apply to take out the scheme(s) set out in section ‘Quote details’ and agree to be bound by the rules of any scheme for which my/ our application(s) is/are accepted. I/We agree that I/we will disclose any information in response to the questions in the application form and in response to any other questions which Friends Life Individual Protection asks me/us with regard to my/our application which we become aware of before cover commences and which would alter any responses to the questions contained in this application form or as otherwise asked of me/us with regard to this application by Friends Life Individual Protection. I/We warrant that all the answers to the questions in this application form or to any other questions asked of me/us by Friends Life Individual Protection or my adviser (whether given by me/us or the life/lives assured) are true and complete in every particular. I/We acknowledge that if the life/lives assured do not answer the questions in this application form or any other questions asked of me/them with regard to this application by Friends Life Individual Protection or by their adviser or any changes to the answers to those questions before any cover commences may result in a claim being rejected or Friends Life Individual Protection cancelling my policy in certain specific circumstances (please see the Protect+ membership handbook for further information). If the responses to the questions in this application form have been completed by anyone other than myself/ourselves, I/we confirm that the details are correct to the best of my/our knowledge and belief. I/We confirm I/we have read the Data Protection notice on section 16. I/We confirm that I/we give explicit consent, within the provisions of the Data Protection Act 1998 for Friends Life Individual Protection and their reassurers to process my/our personal details with respect to this application and in administering the membership and any claim that may be made in respect of the membership. I/We confirm that I/we have read and understood sections (1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18 and 19) and these have been completed unless directed not to do so by the terms of the application form. Applicant 1 Signed Date 7 7 Applicant 2 Signed Date 7 7 22 | FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 15. General notes NOTE 1 Your membership will commence as soon as Friends Life Individual Protection has collected the first premium and has issued the registration certificate. NOTE 2 You are advised to keep a record of all information you supply to us in connection with this application including letters. NOTE 3 Friends Life and you have a free choice about the law that can apply to a contract. Friends Life proposes to choose the law of England and Wales, and, by entering into this contract you agree that the law of England and Wales applies and the terms are governed by the non-exclusive jurisdiction of the English Courts. NOTE 4 A COPY OF THE RULES APPLICABLE TO THE COVER FOR WHICH YOU HAVE APPLIED AND YOUR APPLICATION FORM ARE AVAILABLE ON REQUEST. OTHERWISE THE RULES WILL BE SENT TO YOU WHEN YOUR APPLICATION FOR COVER IS ACCEPTED. NOTE 5 It is Friends Life Individual Protection’s intention to provide a first class service to our members at all times. However, if you have any cause for dissatisfaction and have not been able to resolve the problem and you wish to take your complaint further, please contact Customer Relations at the address or telephone number on page 26. It is very rare that we can’t settle a complaint, but if this does happen, you may refer your complaint to the Financial Ombudsman Service. You can write to them at The Financial Ombudsman Service, Exchange Tower, London E14 9SR, or call them on 0800 023 4567 (free if you call from a landline) or 0300 123 9123 (free if you call from a mobile phone). Please let us know if you want a full copy of our complaints procedure. If something has gone wrong, we want to do everything we can to put it right. But none of these procedures affect your legal rights. 16. Data Protection I agree that Friends Life and Pensions Limited, a member of the Friends Life group, will use my information supplied by me. I understand that Friends Life may pass my information to other companies in the Friends Life group for administration, research or statistical purposes. I also agree that Friends Life may pass my information to my adviser, re-assurers, such other third parties as may be necessary to assist in the provision and administration of my policy, including those located outside of the European Economic Area and where we are legally required to provide information (e.g. requests from government agencies). By signing this form I consent to this use of my personal data as set-out above. I understand that Friends Life and Pensions Limited would like to keep me informed about other products and services provided by companies within the Friends Life group and other carefully selected organisations. I do not wish you to contact me by: Post Phone Email You may change your mind at any time by writing to Friends Life Services Limited, NPE Dept, PO Box 1810, Bristol, BS99 5SN. Otherwise we will assume that you are happy to be contacted in this way for the time being. 17. Financial Crime (e.g. verifying your identity to prevent Fraud & Money Laundering) To verify your identity and prevent financial crime we may use and share your information with any company within the Friends Life group, with companies who work for us and with appropriate organisations. We may also search, send your details to, and use information from third party verification service providers and financial crime and credit reference agencies (Third Parties). This involves checking your details against databases these Third Parties use. Friends Life and these Third Parties may keep a record of the search, the results of the search, any suspicions of financial crime and the details may be used to assist other companies for verification and identification purposes. The search is not a credit check and your credit rating should be unaffected. By signing our application form you are giving consent to these activities which will make it easier for you to do business with us and help prevent financial crime. For more information please write to: Group Anti Money Laundering Manager, Financial Crime & Security (BM6L2), Friends Life Centre, Brierly Furlong, Stoke Gifford, Bristol, BS34 8SW. | 23 FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM 18. Accidental death benefit cover IMPORTANT: THE FOLLOWING DETAILS ARE ALSO DUPLICATED ON PAGE 25 FOR YOU TO DETACH AND RETAIN FOR YOUR REFERENCE This cover is only available to applicants for level term assurance, mortgage protection, decreasing term, renewable term or family income benefit schemes providing life cover. You must have selected the accidental death benefit for this cover to apply. It is not available for any applicants for critical illness or income protection schemes which will not provide life cover. The terms on which accidental death benefit cover is provided are set out below. Friends Life Individual Protection will pay the lower of: (i) the sum assured requested in this application for schemes providing life cover, as outlined above (“the proposed scheme(s)”); or (ii) £500,000 to the applicant(s) of the proposed scheme(s) on the accidental death of any life to be assured under the proposed scheme(s). For the purposes of this cover accidental death will mean “death arising solely and directly from bodily injury caused by external violent, visible means totally independent of any physical or mental illness or infirmity and occurring within 30 days of the accident”. This cover will be provided from the date Friends Life Individual Protection receives a completed signed application from the applicant(s) for the proposed scheme(s) to cover the life to be assured until the earliest of the following: (i) Friends Life Individual Protection accepts the application for the proposed scheme(s); (ii) Friends Life Individual Protection notifies the applicant(s) that it has rejected the application for the proposed scheme; (iii) 90 days after the date on which Friends Life Individual Protection received the application and this cover began. Cover will not be provided in the following circumstances: a) if the life to be assured (or either life to be assured) is aged 55 or above; b) if the claim is caused by suicide of the life to be assured (or either life to be assured); c) if the applicants have outstanding applications for the same, or similar cover, with other Life offices; d) if Friends Life Individual Protection have provided accidental death benefit cover on the life to be assured (or the lives to be assured) previously and no scheme was subsequently issued by Friends Life Individual Protection. These terms provide the entire terms on which Friends Life Individual Protection will pay the sum assured under the accidental death benefit cover. Friends Life and you have a free choice about the law that can apply to a contract. Friends Life proposes to choose the law of England and Wales, and, by entering into this contract you agree that the law of England and Wales applies and the terms are governed by the non-exclusive jurisdiction of the English Courts. 19. Free cover benefit IMPORTANT: THE FOLLOWING DETAILS ARE ALSO DUPLICATED ON PAGE 25 FOR YOU TO DETACH AND RETAIN FOR YOUR REFERENCE This cover is only available to applicants for scheme(s) accepted at or below one and a half times the standard terms, which provide life or critical illness cover to protect the mortgage for purchasing or improving the main residence. The applicant(s) must have received a mortgage offer letter from the lender. This cover will commence when the applicant(s) has exchanged contracts (missives in Scotland) or when work on improvements begins. (ii) 90 days after the date on which Friends Life Individual Protection offered acceptance terms; You must have selected the Free cover benefit for this cover to apply. It is not available for any applicants for income protection schemes. The terms on which free cover benefit is provided are set out below. (v) in the event that Friends Life Individual Protection withdraws the acceptance terms. Friends Life Individual Protection will pay the lower of: (i) the sum assured requested in this application for schemes as outlined above (“the proposed scheme(s)”); (ii) £500,000 to the applicant(s) of the proposed scheme(s) on the death of any life to be assured under the proposed scheme(s); or (iii) £350,000 to the applicant(s) of the proposed scheme(s) on the diagnosis of a critical illness of any life to be assured under the proposed scheme(s). This cover will be provided from the date Friends Life Individual Protection offers acceptance terms at or below one and a half times the standard rates until the earliest of the following: (i) the scheme(s) as outlined above (“the proposed scheme(s)”) has commenced; 24 | (iii) on completion of the residence purchase (date of entry in Scotland); (iv) on the date when the mortgage is drawn down to pay for the home improvements; or Cover will not be provided in the following circumstances: a) if the life to be assured (or either life to be assured) is aged 55 or above; b) if the applicants have outstanding applications for the same, or similar cover, with other Life offices; c) if Friends Life Individual Protection has provided free cover benefit on the life to be assured (or the lives to be assured) previously and no scheme was subsequently issued by Friends Life Individual Protection. These terms provide the entire terms on which Friends Life Individual Protection will pay the sum assured under the free cover benefit. Friends Life and you have a free choice about the law that can apply to a contract. Friends Life proposes to choose the law of England and Wales, and, by entering into this contract you agree that the law of England and Wales applies and the terms are governed by the non-exclusive jurisdiction of the English Courts. ! FAILURE TO DISCLOSE RELEVANT INFORMATION IN RESPONSE TO QUESTIONS ASKED MAY RESULT IN NON-PAYMENT OF A CLAIM Please detach and retain for your information. Accidental death benefit cover This cover is only available to applicants for level term assurance, mortgage protection, decreasing term, renewable term or family income benefit schemes providing life cover. You must have selected the accidental death benefit for this cover to apply. It is not available for any applicants for critical illness or income protection schemes which will not provide life cover. The terms on which accidental death benefit cover is provided are set out below. Friends Life Individual Protection will pay the lower of: (i) the sum assured requested in this application for schemes providing life cover, as outlined above (“the proposed scheme(s)”); or (ii) £500,000 to the applicant(s) of the proposed scheme(s) on the accidental death of any life to be assured under the proposed scheme(s). For the purposes of this cover accidental death will mean “death arising solely and directly from bodily injury caused by external violent, visible means totally independent of any physical or mental illness or infirmity and occurring within 30 days of the accident”. This cover will be provided from the date Friends Life Individual Protection receives a completed signed application from the applicant(s) for the proposed scheme(s) to cover the life to be assured until the earliest of the following: (i) Friends Life Individual Protection accepts the application for the proposed scheme(s); (ii) Friends Life Individual Protection notifies the applicant(s) that it has rejected the application for the proposed scheme; (iii) 90 days after the date on which Friends Life Individual Protection received the application and this cover began. Cover will not be provided in the following circumstances: a) if the life to be assured (or either life to be assured) is aged 55 or above; b) if the claim is caused by suicide of the life to be assured (or either life to be assured); c) if the applicants have outstanding applications for the same, or similar cover, with other Life offices; d) if Friends Life Individual Protection have provided accidental death benefit cover on the life to be assured (or the lives to be assured) previously and no scheme was subsequently issued by Friends Life Individual Protection. These terms provide the entire terms on which Friends Life Individual Protection will pay the sum assured under the accidental death benefit cover. Friends Life and you have a free choice about the law that can apply to a contract. Friends Life proposes to choose the law of England and Wales, and, by entering into this contract you agree that the law of England and Wales applies and the terms are governed by the non-exclusive jurisdiction of the English Courts. ! Please detach and retain for your information. Free cover benefit This cover is only available to applicants for scheme(s) accepted at or below one and a half times the standard terms, which provide life or critical illness cover to protect the mortgage for purchasing or improving the main residence. The applicant(s) must have received a mortgage offer letter from the lender. This cover will commence when the applicant(s) has exchanged contracts (missives in Scotland) or when work on improvements begins. You must have selected the Free cover benefit for this cover to apply. It is not available for any applicants for income protection schemes. The terms on which free cover benefit is provided are set out below. Friends Life Individual Protection will pay the lower of: (i) the sum assured requested in this application for schemes as outlined above (“the proposed scheme(s)”); (ii) £500,000 to the applicant(s) of the proposed scheme(s) on the death of any life to be assured under the proposed scheme(s); or (iii) £350,000 to the applicant(s) of the proposed scheme(s) on the diagnosis of a critical illness of any life to be assured under the proposed scheme(s). This cover will be provided from the date Friends Life Individual Protection offers acceptance terms at or below one and a half times the standard rates until the earliest of the following: (i) the scheme(s) as outlined above (“the proposed scheme(s)”) has commenced; (ii) 90 days after the date on which Friends Life Individual Protection offered acceptance terms; (iii) on completion of the residence purchase (date of entry in Scotland); (iv) on the date when the mortgage is drawn down to pay for the home improvements; or (v) in the event that Friends Life Individual Protection withdraws the acceptance terms. Cover will not be provided in the following circumstances: a) if the life to be assured (or either life to be assured) is aged 55 or above; b) if the applicants have outstanding applications for the same, or similar cover, with other Life offices; c) if Friends Life Individual Protection has provided free cover benefit on the life to be assured (or the lives to be assured) previously and no scheme was subsequently issued by Friends Life Individual Protection. These terms provide the entire terms on which Friends Life Individual Protection will pay the sum assured under the free cover benefit. Friends Life and you have a free choice about the law that can apply to a contract. Friends Life proposes to choose the law of England and Wales, and, by entering into this contract you agree that the law of England and Wales applies and the terms are governed by the non-exclusive jurisdiction of the English Courts. | 25 For more information, please contact us on: 0845 600 3122† Friends Life Individual Protection, PO Box 569, Friends Life Centre, Bristol, BS34 9FE Or visit www.friendslife.co.uk/ individualprotection Calls may be recorded and may be monitored † Friends Life and Pensions Limited An incorporated company limited by shares and registered in England and Wales, number 475201. Registered office: Pixham End, Dorking, Surrey RH4 1QA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Telephone 0845 600 3122 – calls may be recorded. www.friendslife.co.uk Friends Life is a registered trade mark of the Friends Life group. 89042-UNI FLIP/6525/Oct14 Instruction to your Bank or Building Society to pay by Direct Debit Service user number Friends Life Individual Protection Please fill in the whole form using a ball point pen and send it to: 2 8 6 3 3 6 Registration numbers (if known) Friends Life Individual Protection PO Box 569 Friends Life Centre Bristol BS34 9FE Name(s) of account holder(s) Title: Mr, Mrs, Miss or other title (eg sir) Bank account holder’s full postal address Bank/Building Society Account Number Branch sort code — — Name and full postal address of your bank or building society Postcode Instruction to your Bank or Building Society To: The Manager ! Bank/building society Address Friends Life Individual Protection products are provided by Friends Life and Pensions Limited, part of the Friends Life group. Please pay Friends Life and Pensions Limited Direct Debits from the account detailed in this Instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this Instruction may remain with Friends Life and Pensions Limited and, if so, details will be passed electronically to my bank/building society. Signature(s) Date Postcode Banks and Building Societies may not accept Direct Debit Instructions for some types of account This Guarantee should be detached and retained by the payer. The Direct Debit Guarantee • This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. • If there are any changes to the amount, date or frequency of your Direct Debit Friends Life and Pensions Limited will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request Friends Life and Pensions Limited to collect a payment, confirmation of the amount and date will be given to you at the time of the request. • If an error is made in the payment of your Direct Debit by Friends Life and Pensions Limited or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. • If you receive a refund you are not entitled to, you must pay it back when Friends Life and Pensions Limited asks you to. • You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify Friends Life and Pensions Limited. | 27 89042-UNI FLIP/6525/Oct14
© Copyright 2024