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Age rating

Can I please correct a potentially misleading statement attributed to Friends Provident at the end of the article “Clarity begins at home”?

In our understanding, a “rated age” is always an addition to a person’s actual age on the grounds of poor health, never a deduction from it because their health is exceptionally good. So we would not see it as possible for anyone’s “rated age” to be below their actual age.

It follows that we would not recommend a discounted gift scheme for anyone whose actual age was over 90 – or indeed for anyone younger than that whose health was such that their “rated age” was over 90.

John Hendry

Technical Manager Friends Provident

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