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INSURANCE TERMS AND CONDITIONS

Three (3) Months waiting apply for members under 64

** Twelve (12) Months waiting period apply for members who are or over the age of 64 maximum 74.

** Regent Life will not be liable for a claim if the event causing death was brought about or accelerated directly or indirectly by the following:

active participation in any war, invasion, acts of foreign enemies, hostilities, warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or Þ the use of nuclear, biological or chemical weapons, or any radioactive contamination; or attacks on or sabotage of facilities (including, but not limited to, nuclear power plants, reprocessing plants, final repository sites and research reactors) and storage depots, which lead to the release of radioactivity

or nuclear, biological or chemical warfare agents, irrespective of whether any of the aforesaid has been performed with the specific use of information technology; or

active participation in any act of civil commotion, riot, strike, labour disturbance or disturbance of the public peace; or

active participation in any act of terrorism. For the purpose of this exclusion an act of terrorism means an act, including but not limited to, the use of force or violence and/or the threat thereof, by any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological, or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear and that has been determined by the appropriate State authority to have been an act of terrorism; or

any intentional contravention of any criminal law, whether legislative or at common-law, by the Member, or by anyone acting on behalf of the Member or with the Member’s consent, or by any person claiming any benefit under this policy; or

by the death of an Insured Person due to suicide within the first 2 years of his Entry Date.

CALL TO CLAIM : 0860 543 346

LEGAL ADVICE: 0861 3822 24

FSP licence : 18146

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