Lump sum
£0.00
ActiveAviva · ends 12 Mar 2046
Pays a tax‑free lump sum if you're diagnosed with one of the specified conditions and survive 14 days. Designed to clear your mortgage and fund a period away from work.
Cover against need
Recommended coverCovered £250,000.00Recommended cover £320,000.00
£70,000.00 short of the lump sum you'd need to clear the mortgage and take 24 months away from work.
Policy number
CI‑8842 1097
Lives assured
Single life: John Whitfield
Started
12 Mar 2021
Ends
12 Mar 2046
Term
25 years · 19 remaining
Written in trust
Yes
Held in trust, so any payout falls outside your estate for inheritance tax and pays out without probate.
Cover type
Level, non‑decreasing
Conditions covered
48 full · 27 partial
Survival period
14 days
Waiver of premium
Included
Children's cover
£25,000 per child
Cancer
Excluding less advanced cases
Heart attack
Of specified severity
Stroke
Resulting in persistent symptoms
Multiple sclerosis
With persistent symptoms
Total permanent disability
Own occupation basis
Life cover
Not included, separate policy needed
Premium
MonthlyAmount
£68.40 / month
Basis
Guaranteed premium
Paid by
Direct debit · 1st
Paid this tax year
£342.00
Term elapsed
6 of 25 years · 19 years of cover remaining
Making a claim
1
Contact James or the insurer as soon as a diagnosis is confirmed.
2
The insurer reviews the specialist's report against the policy definitions.
3
The lump sum is paid tax‑free once the 14‑day survival period passes.
Documents
Income protection
The Exeter · £4,250.00 a month
Cover figures are illustrative and taken from your policy schedule. Terms, exclusions and definitions apply. Always read the key features document before relying on cover.