W2D-002 Regulations-2.txt
PROVISIONS OF COVER

FIRST TRUST BANK ACCIDENTAL DEATH PLAN

The following information has been prepared to summarise the benefits and limitations of this cover. This protection is being made available at this time to selected First Trust Bank Visa Cardholders and their spouses. Please retain this summary for filing with your actual Insurance Policy.

Eligibility

First Trust Visa Cardholders aged 17 or above and under 70 are eligible to apply for £ 1,000 of no-cost cover and optional additional protection. Spouses of Cardholders (if also 17 or above and under 70) are eligible to apply for optional protection.

Acceptance Guaranteed

No medical examination is necessary and there are no health questions to answer. Your acceptance is guaranteed - regardless of your health or occupation - provided you are aged 17 or above and under 70.

Benefits

The First Trust Bank Visa Cardholder named on the enclosed Application Form may select £ 1,000 of Accidental Death benefits for a 10-year term without any charge during or after the term. The Cardholder may apply for this £ 1,000 no-cost over only once. He or she (and spouse) may also purchase optional additional benefits under the Plan - a choice of £ 20,000, £ 40,000 or £ 60,000.

Benefits are payable for all types of covered accidents occurring anywhere in the world, 24 hours a day. The amount of benefit paid depends upon your age at death. The full amount of your no-cost cover and your optional additional protection will be paid if you are aged under 75, 50% if you are aged between 75 and 80.

Benefits are paid if death resulting from an accident occurs within 365 days of the date of the accident, provided the accident occurs while the Policy is in force. A claim for benefits may be submitted up to a full year after the date of accidental death. Payment will be made to your estate.

Cardholder/Spouse Discount

When both the Cardholder and spouse apply for the optional additional cover, the cover is available at a special lower rate. This valuable discount is available even if only one person is a First Trust Bank Visa Cardholder.
These rates apply to any age and do no increase with age. For your convenience and with your authority, premiums will be charged to your First Trust Bank Visa Account each month.
Renewability

Your no-cost £ 1,000 cover will remain in effect for a full 10-year period, provided you remain a First Trust Bank Visa Cardholder.

Your optional additional cover is automatically renewable to age 80. As long as your premiums are paid when due, your cover cannot be cancelled by anyone other than yourself.

Exclusions

No person will be excluded from receiving benefits under this Plan or required to pay an extra premium by virtue of occupation, avocation or sporting activities. Only a limited number of events are excluded.

Accidental Death Plan benefits will not be payable in the following cases: suicide, attempted suicide or intentional self-injury; an accident occurring while the Insured is under the influence of alcohol or of any drug not prescribed by a registered medical practitioner; flying or any form of airborne aerial activity, except while travelling on a recognised airline; war, invasion or act of foreign enemy, hostilities (whether war is declared or not), terrorism, civil war, rebellion, revolution, insurrection or military or usurped power.

How to Apply

1. Indicate the amount of cover you desire. (Remember, the Cardholder named on the Application Form is eligible for £ 1,000 worth of First Trust Bank Accidental Death Insurance at absolutely no charge.)

2. Complete and sign the enclosed Application Form, including the Payment Instruction portion of the Form if you desire additional cover.

3. Return your Application Form in the pre-paid envelope provided prior to 30 April 1994.

Send no money. When your Application Form has been processed, your Insurance Policy will be sent to you for your review, and - if you selected additional cover - your premiums will be automatically charged to your First Trust Bank Visa Account each month. Your cover will commence on the Effective Date stated in your Insurance Policy provided your first premium has been paid.

15-Day No-Risk Inspection

You are guaranteed the right to examine your Insurance Policy without obligation. If you are not satisfied - for any reason - you may return your Insurance Policy within 15 days and you will be under no obligation whatsoever. Any premiums that you may have paid will be promptly and fully refunded.

The Company That Underwrites The Plan

First Trust Bank has selected Avon Insurance plc as the underwriter for this special Accidental Death Plan. Avon was established over 65 years ago and is part of the NFU Mutual and Avon Group, a major British Insurance Group with assets of over £ 3,000 million.
