This Plan will pay when someone covered on the policy dies.

Yes. You can make changes to the Plan such as adding a family member or a spouse/partner to the Plan, increasing/decreasing the amount of cover and choosing a new beneficiary.

Premiums will increase as your loved ones get older and move through the age bands for example when a child becomes an adult. You will be told about premium increases at least 30 days before it happens.

This Plan will not pay out in the case of:

• Suicide in the first 24 months from when the Plan starts
• Intentional, self-inflicted injuries or deliberate exposure of the covered person to unnecessary danger
• War, invasion, act of a foreign enemy, hostilities (whether war be declared or not), terrorism, civil war, rebellion, revolution or any occurrence incidental to or arising from any of the aforementioned or any attempt at any of the aforementioned
• Radioactivity or nuclear explosion
• Any act or omission by the covered person which is in violation of any law
• Natural causes in the first 12 months from the start of the Family Funeral Plan. All covered persons are covered for accidental death only during the first 12 months from the commencement date of the Plan. All causes of death are covered thereafter.
• Natural causes in the first 12 months of an additional covered person being added to the Plan by the primary covered person. This exclusion however, does not apply where a child turns 21 and is added as a member on the Plan immediately as an additional covered person by the primary covered person.

You and your loved ones covered under this Plan will be covered from the date your first premium is paid. Your membership certificate with all personal details of covered persons, will be sent to the email address you gave during the online purchase process.