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style='tab-interval:36.0pt;margin-top:7.5pt'> <div class=Section1> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=977 style='width:732.75pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black;mso-no-proof:yes'><img width=977 height=108 id="_x0000_i1025" src="img/cunaheader.jpg"></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td style='padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=10 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:7.5pt;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal align=center style='text-align:center'><span class=style31><span style='font-size:10.5pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman"'>FamilyLIFE+ for your members - Frequently Asked Questions </span></span><span style='font-size:9.0pt; font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:black'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt; margin-left:36.0pt;text-indent:-18.0pt;mso-list:l0 level1 lfo2;tab-stops: list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family: "Arial","sans-serif";mso-fareast-font-family:Arial;color:black'><span style='mso-list:Ignore'>1.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span class=question1><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Q: A Member takes out a policy at age 25 for £2,000 of benefit. Does the premium remain at £2.00 per month or does the premium automatically increase to £3.00 per month once the member turns age 30?</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'><br> <br> </span><span class=answer1><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman"'>A: The premium amount will remain constant for the duration of the policy. Premium rates may only be changed if a change in legislation or taxation materially affects the policy. If we need to change the premium rate, we (the insurer) will give the policyholder thirty (30) days advance written notice.</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt; margin-left:36.0pt;text-indent:-18.0pt;mso-list:l0 level1 lfo2;tab-stops: list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family: "Arial","sans-serif";mso-fareast-font-family:Arial;color:black'><span style='mso-list:Ignore'>2.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span class=question1><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Q: A Member insures their child who is under age 18 and is therefore added to the policy for free. Is a premium charged when the child turns age 18?</span></span><span style='font-size:9.0pt;font-family: "Arial","sans-serif";mso-fareast-font-family:"Times New Roman";color:black'><br> <br> </span><span class=answer1><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman"'>A: Yes, an additional premium will be charged for this person once they reach 18 years of age. The additional premium will be based on the 18-29 premium rate for the Cover Level the Policyholder has chosen (e.g. Cover Level A, Cover Level B).</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt; margin-left:36.0pt;text-indent:-18.0pt;mso-list:l0 level1 lfo2;tab-stops: list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family: "Arial","sans-serif";mso-fareast-font-family:Arial;color:black'><span style='mso-list:Ignore'>3.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span class=question1><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Q: A Member takes out a policy on Cover Level A at age 25 for £2,000 of benefit but decides 3 years later (when he is 28 years of age) to increase his cover to Cover Level D with a benefit level of £6,000 due to his family circumstances changing. How are mid-term adjustments handled? Is there a requalification period for the higher sum insured?</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'><br> <br> </span><span class=answer1><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman"'>A: Yes, the Policyholder may change to a higher Cover Level (no more than once each calendar year), by ringing the Family Life + Policy Administration Team on 0870 1433504. However, a Policyholder may not move to a lower Cover Level.</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:#333333'><br> <br> <span class=answer1>Except in the case of an Accidental Death, if an Insured Person dies within six (6) months of the date of the change to a higher Cover Level, we will pay benefits based on the original lower Cover Level.</span><br> <br> <span class=answer1>The new monthly premium for the higher Cover Level is calculated as the sum of:</span><br> <span class=answer1>- the premium for the original benefit level based on the Insured Persons age(s) at the time the policy was taken out, plus</span><br> <span class=answer1>- the premium for the additional amount of benefit based on the age of the Insured Persons at the date of the amendment.</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt; margin-left:36.0pt;text-indent:-18.0pt;mso-list:l0 level1 lfo2;tab-stops: list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family: "Arial","sans-serif";mso-fareast-font-family:Arial;color:black'><span style='mso-list:Ignore'>4.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><strong><span style='font-size:9.0pt; font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:black'>Q: A Member takes out a policy on Cover Level A at age 25 for £2,000 of benefit. At 32 he gets married and wants to increase his cover to Cover Level D with a benefit level of £6,000 due to his family circumstances changing. Is his premium still calculated on the 18-29 age category or is it now calculated based on the 30 39 age category?</span></strong><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'><br> </span><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#333333'><br> <span class=answer1>A: The Member s monthly premium will be calculated as follows:</span><br> <br> <span class=answer1>- his original cover level (i.e. Cover Level A £2,000) is still calculated on his age when he originally took out his policy (i.e. the 18-29 age category)</span><br> <br> <span class=answer1>- the premium for the additional cover he has now moved to (i.e. the difference between his new Cover Level D £6,000 and his original Cover Level A £2,000, which is £4,000) will be calculated based on his age at the date he moved to the higher Cover Level.</span><br> <br> <span class=answer1>This is how his new monthly premium is calculated: </span><br> <br> <span class=answer1>His original monthly premium when he took out his policy on Cover Level A was £2.00 (based on the 18-29 age category of Cover Level A). When he moves to Cover Level D at age 32, his new premium is <b style='mso-bidi-font-weight:normal'>£8.00</b> per month, which is made up of:</span><br> <br> <span class=answer1>- his original premium of <b style='mso-bidi-font-weight: normal'>£2.00</b> for his Cover Level A cover of £2,000, <b style='mso-bidi-font-weight:normal'>plus</b></span><br> <br> <span class=answer1>- £6.00 for the additional £4,000 of cover he is getting by moving to Cover Level D. This additional amount is calculated as the increase in cover multiplied by the premium rate per £1,000 of cover for the age category he is in when he moves to the new Cover Level (30-39), i.e. (£4,000 x 1.50/1000) = £6.00.</span></span><span style='font-size: 9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:black'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt; margin-left:36.0pt;text-indent:-18.0pt;mso-list:l0 level1 lfo2;tab-stops: list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family: "Arial","sans-serif";mso-fareast-font-family:Arial;color:black'><span style='mso-list:Ignore'>5.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span class=question1><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Q: If 12 family members can be insured on one policy, can each family member choose their own benefit level i.e. the Policyholder chooses a benefit of £6,000 with other family members selecting a benefit of £3,000?</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'><br> <br> </span><span class=answer1><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman"'>A: No  the Policyholder chooses the Cover Level option which will apply to the policy - this benefit level then applies to all Insured Persons covered under the policy.</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:#333333'><br> <br> <span class=answer1>If a Policyholder s family member requires a different benefit level, they must purchase a separate policy, as this will allow them to choose the Cover Level option that they want. Anyone who wants to take out their own policy must be over 18 and under 70 years of age and resident in the UK.</span></span><span style='font-size:9.0pt;font-family: "Arial","sans-serif";mso-fareast-font-family:"Times New Roman";color:black'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt; margin-left:36.0pt;text-indent:-18.0pt;mso-list:l0 level1 lfo2;tab-stops: list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family: "Arial","sans-serif";mso-fareast-font-family:Arial;color:black'><span style='mso-list:Ignore'>6.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span class=question1><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Q: Can a member insure their brother or sister on this policy?</span></span><b><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'><br> </span></b><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'><br> </span><span class=answer1><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman"'>A: No. The only people a Policyholder may name as Insured Persons are: their spouse or significant other, their parent(s), the parent(s) of their spouse or significant other, or their children.</span></span><span style='font-size:9.0pt;font-family: "Arial","sans-serif";mso-fareast-font-family:"Times New Roman";color:black'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt; margin-left:36.0pt;text-indent:-18.0pt;mso-list:l0 level1 lfo2;tab-stops: list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family: "Arial","sans-serif";mso-fareast-font-family:Arial;color:black'><span style='mso-list:Ignore'>7.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span class=question1><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Q: What is the procedure if a member has insufficient funds in their bank account to pay a monthly premium?</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'><br> <br> </span><span class=answer1><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman"'>A: This policy has a 31-day Grace Period. This means that, if a member does not pay their premium on or before the date it is due, they may pay it during the 31-day period following the due date.</span></span><span style='font-size:9.0pt; font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:#333333'><br> <br> <span class=answer1>If the Direct Debit in unpaid due to insufficient funds, we will represent the direct debit to the bank account within the 31 day period. If the premium remains unpaid, the policy will automatically lapse. The member will be informed if Direct Debits have been unpaid and if the policy lapses. The policy may not be reinstated or renewed. In order to recommence cover, the member will have to take out a new policy.</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt; margin-left:36.0pt;text-indent:-18.0pt;mso-list:l0 level1 lfo2;tab-stops: list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family: "Arial","sans-serif";mso-fareast-font-family:Arial;color:black'><span style='mso-list:Ignore'>8.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span class=question1><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Q: What is the term of the policy?</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'><br> <br> </span><span class=answer1><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman"'>A: This is a policy continues in force as long as premiums are paid and until the last of the Insured Persons dies.</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;margin-left:36.0pt;text-indent:-18.0pt;mso-list:l0 level1 lfo2; tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt; font-family:"Arial","sans-serif";mso-fareast-font-family:Arial;color:black'><span style='mso-list:Ignore'>9.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span class=question1><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Q: If an insured person dies, who receives the claim benefit?</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'><br> <br> </span><span class=answer1><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman"'>A: If the Policyholder dies and is the only insured person, the benefit will be paid to the Policyholder s estate. </span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#333333'><br> <br> <span class=answer1>If an Insured Person dies and other Insured Persons are listed on the policy, we will pay the benefit to another Insured Person shown on the Policy in the following order: </span><br> <span class=answer1>1. to the Policyholder, if living; or </span><br> <span class=answer1>2. to the insured Spouse or Significant Other of the Policyholder, if any; or </span><br> <span class=answer1>3. to the insured parent(s) of the Policyholder, in order of age or </span><br> <span class=answer1>4. to the insured parent(s) of the Policyholder s Spouse or Significant Other, in order of age; or </span><br> <span class=answer1>5. to the Children of the Policyholder in order of age, if any, or to their legal guardian to be held for the Children s benefit should the Children not meet the legal age requirements; or</span><br> <span class=answer1>6. to the Policyholder s estate.</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'><o:p></o:p></span></p> <p align=center style='text-align:center'><strong><span style='font-size: 9.0pt;font-family:"Arial","sans-serif";color:black'>Underwritten by CUNA Mutual Life Assurance (Europe) Limited : Registered in Ireland No 389174</span></strong><b><span style='font-size:9.0pt;font-family:"Arial","sans-serif";color:black'><br> <strong><span style='font-family:"Arial","sans-serif"'>Head Office at The Harcourt Building, Harcourt Street, Dublin 2, Ireland</span></strong><br> <strong><span style='font-family:"Arial","sans-serif"'>CUNA Mutual Life Assurance (Europe) Limited is regulated by the Financial Regulator</span></strong></span></b><span style='font-size:9.0pt;font-family:"Arial","sans-serif";color:black'><o:p></o:p></span></p> </td> </tr> </table> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=style5 align=center style='text-align:center'><span style='font-family:"Arial","sans-serif"'>CUNA Mutual Life Assurance (Europe) Limited is authorised by the Irish Financial Regulator. <br> Head Office at The Harcourt Building, Harcourt Street, Dublin 2, Republic of Ireland; Registered in Ireland No: 389174 <o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> </div> </body> </html>