Country of nationality. Your country of origin for which you hold a passport. If you hold more than one passport your country of nationality means the country that you have declared as your country of nationality on your application form. The country in which you are habitually resident. The date on which your plan first commenced. The period of continuous total disablement from following your own occupation which must pass before you can become entitled to receive benefit under your plan.
Country of nationality. Your country of origin for which you hold a passport. If you hold more than one passport, your country of nationality means the country that you have declared as your country of nationality on your application form. The country in which you are habitually resident. The date on which your plan first commenced. The basic annual salary (including contractual bonuses and maternity or paternity pay) you are earning (before the deduction of income tax). It does not include any dividends, over-time, non- contractual discretionary bonuses, or benefits in kind such as (but not limited to) a car, and living accommodation. If you are an employee, but your earnings are based directly on your sales performance, we will take into account 50% of your commission earnings over the 12 month period leading up to the date upon which you apply. If your commission earnings fluctuate, we will take an average of your commission earnings during the period of 36 months immediately preceding the date upon which you apply. Your gross personal income from your business during the 12 months immediately preceding the date upon which you apply, excluding income you receive from dividends, savings, investments or gifts. If your earnings fluctuate, we will take an average of your gross annual earnings during the period of 36 months immediately preceding the date upon which you apply. Abseiling, ballooning, bobsleigh, bungee jumping, flying (other than in a scheduled airliner as a passenger), hang gliding, high diving, hunting on horseback, motor cycle riding, mountaineering, parachute jumping, paragliding, parascending, pot-holing, racing of any kind other than on foot, scuba diving to a depth of more than 30 metres, skiing off-piste, luge, snow-boarding off-piste, and white water rafting. Any other activity that puts you in a similar degree of danger as those activities listed above will be considered as a hazardous activity. If you are in any doubt as to whether an activity is considered to be hazardous or not, please contact us for clarification. A person who is not in any form of paid employment, including self-employment. Any tax due to any government or government authorised body in your country of residence.
