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Liverpool Victoria – Mimi

Thursday, 24 May 2001.

Type: Cafeteria-style protection policy covering critical illness cover, term assurance, income protection and mortgage payment protection.

CRITICAL ILLNESS

Minimum premium/cover: £7 a month/no minimum.

Maximum cover: Subject to negotiation.

Illnesses covered: Alzheimer&#39s disease (including senile and pre-senile dementia), angioplasty, aorta graft surgery, aplastic anaemia, bacterial meningitis, benign brain tumour, blindness, cancer, coma, coronary artery bypass surgery, Creutzfeldt-Jakob disease, deafness, heart attack, heart valve replacement or repair, HIV – assault, HIV – blood transfusion, HIV – occupation, kidney failure, loss of independent existence, loss of limbs, loss of speech, major organ transplant, motor neurone disease, multiple sclerosis, paralysis/paraplegia, Parkinson&#39s disease, rheumatoid arthritis, stroke, terminal illness, third degree burns.

Minimum-maximum ages: 17-79.

Charges: None.

Options: Permanent total disability cover, waiver of premium.

Commission: Initial 130 per cent of Lautro, renewal 2.5 per cent.

TERM ASSURANCE

Type: Level or decreasing term assurance.

Minimum sum assured/premium: £1,000/£7 a month.

Minimum-maximum term: Five years-45 years.

Charges: None.

Commission: Initial 130 per cent of Lautro, renewal 2.5 per cent.

INCOME PROTECTION

Minimum benefit/premium: £86 a month/£7 a month.

Minimum-maximum ages: 17-59.

Deferred periods: 1, 2, 3, 6, 12 or 24 months.

Charges: None.

Definition of disability: Own occupation, manual workers – suited occupation.

Options: Fixed or index-linked benefits, waiver of premium.

Commission: Initial 130 per cent of Lautro, renewal 2.5 per cent.

ASU MORTGAGE PROTECTION PLANS

Maximum benefit: 140 per cent of monthly mortgage payment.

Benefit payment term: 12 months.

Deferred period: Accident and sickness – 1, 2, 3, 6, 12 or 24 months, unemployment – 30 or 60 days.

Premium: 30 day deferred period – £2.63 per £1,000, 60 day deferred period – £2.13 per £1,000.

Commission: Initial 130 per cent of Lautro, renewal 2.5 per cent.

Tel: 0800 0286222.

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