Common use of Pure Protection Products Clause in Contracts

Pure Protection Products. 13.2 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 per month towards a £25,000 Critical Illness policy we would receive commission of 3% of the sum assured (£750) and 0.5% of the sum assured (roughly £125 every year).

Pure Protection Products. 13.2 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium commission to be discounted by paid to us from the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate provider to cover our the appropriate advice and work carried out. Alternatively, you may opt to be charged at an hourly rate for this advice and work, . These charges are in accordance with paragraph 13.1 aboveto the table under section Investment Advice – Our Payment Options. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 per month towards a £25,000 Critical Illness policy we would may receive commission of 3% of the sum assured (£750100,000) and 0.5% of the sum assured (roughly £125 500 every year).

Pure Protection Products. 13.2 14.3 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 14.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 per month towards a £25,000 Critical Illness policy we would receive commission of 3% of the sum assured of £30,000 (£750900) and 0.5% of the sum assured (roughly £125 every year150 pa).

Pure Protection Products. 13.2 13.3 - If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If example:-If you were to pay £20 per month towards a £25,000 Critical Illness policy we would may receive commission of 3% of the sum assured (approx. £750) 400 initially and 0.5% of the sum assured (roughly after a further 4 years approx. £125 5 every year).

Pure Protection Products. 13.2 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, work as agreed in accordance our letter of engagement with paragraph 13.1 aboveyou at that time. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 50 per month towards a £25,000 Critical Illness policy we would may receive commission of 30.2% of the sum assured (£750) 455,000, which is roughly £1,006, and 0.50.003% of the sum assured (assured, roughly £125 15 every year).year from month 48 to the end of the term. ~

Pure Protection Products. 13.2 3.5 If you buy a protection product you may elect that we are remunerated by commissioncommission . The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 3.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 per month towards a £25,000 Critical Illness policy we would receive commission of 3% of the sum assured (£7503000) and 0.5% of the sum assured (roughly £125 50 every year).

Pure Protection Products. 13.2 13.3 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 per month towards a £25,000 Critical Illness policy we would potentially receive commission of 3% £425 plus £0.50 per month from month 49 of the sum assured (£750) and 0.5% of the sum assured (roughly £125 every year).plan onwards. Payment for Ongoing Services

Pure Protection Products. 13.2 13.3 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 per month towards a £25,000 Critical Illness policy then we would potentially receive commission of 3% of the sum assured (£750) and 0.5% of the sum assured (roughly £125 every year)216.

Pure Protection Products. 13.2 13.3 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a the ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: example If you were to pay £20 per month 20pm towards a £25,000 Critical Illness policy we would receive commission of 30.55% of the sum assured (£750415) and 0.50.00065% of the sum assured (roughly £125 0.50 every year).

Pure Protection Products. 13.2 13.3 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 per month towards a £25,000 Critical Illness policy with a sum assured of £50,000 we would receive commission of 3% of the sum assured (£7501,500) and 0.5% of the sum assured (roughly £125 250 every year). You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

Pure Protection Products. 13.2 13.3 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 13.04 per month towards a £25,000 Life with Critical Illness policy we would may receive commission of 30.004% of the sum assured (£750) 72,000, and 0.5% a roughly £3.96 every month after 4 year of the sum assured (roughly £125 every year).cover being in force. Payment for Ongoing Services

Pure Protection Products. 13.2 13.3 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 per month towards a £25,000 Critical Illness policy we would receive commission of 3% of the sum assured (£75050,000) and 0.5% of the sum assured (roughly £125 250 every year).

Pure Protection Products. 13.2 13.3 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 per month towards a £25,000 Critical Illness 20 year critical illness term assurance policy then we would receive commission of 3173% of the sum assured first 12 month's payments (£750416.16) in form of an initial commission and 0.5then 2.5% of the sum assured premium in renewal commission from month 49 (roughly £125 every year).0.50per month) whilst ever the policy stays in force. Payment for Ongoing Services

Pure Protection Products. 13.2 13.3 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 50 per month towards a £25,000 Critical Illness policy we would may receive commission of 3% of the sum assured (£750) 1012.71 initially and 0.5% of the sum assured (roughly £125 15.12 every year)year from year 5 onwards.

Pure Protection Products. 13.2 14.3 If you buy a protection product you may elect that we are remunerated by commission. The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties. You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work, in accordance with paragraph 13.1 14.1 above. The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example: If you were to pay £20 per month towards a £25,000 Critical Illness policy policy, we would receive commission of 3% of the sum assured of £30,000 (£750900) and 0.5% of the sum assured (roughly £125 every year150 pa).