a guide to the aig life online system€¦ · 3.8 travel and leisure ..... 21 3.9 occupation and...

COMMERCIAL IN CONFIDENCE A Guide to the AIG Life Online System

1

A Guide to the AIG Life Online System

For adviser use only. Not to be used with customers.

2 A Guide to the AIG Life Online System Back to contents page

Contents 1 Introduction ........................................................................................................................ 3

1.1 Introduction to the AIG Life Online System ............................................................................................ 3

1.2 Logging into the AIG Life Online System................................................................................................. 3

2 How to prepare a quote ..................................................................................................... 4

2.1 Creating a quote on the AIG Life Online System .................................................................................... 4

2.2 Applying for a Benefit ............................................................................................................................. 6

2.3 Applying for multiple benefits ................................................................................................................ 8

2.4 Downloading a Quote Illustration .......................................................................................................... 9

3 Completing the application ............................................................................................. 10

3.1 Electronic AMRA (eAMRA) .................................................................................................................... 10

3.2 Name and addresses ............................................................................................................................ 11

3.3 Height and weight................................................................................................................................. 14

3.4 Medical screening ................................................................................................................................. 14

3.5 Medical ................................................................................................................................................. 15

3.6 Family history........................................................................................................................................ 19

3.7 Drinking and smoking ........................................................................................................................... 20

3.8 Travel and leisure ................................................................................................................................. 21

3.9 Occupation and finances ...................................................................................................................... 22

3.10 Assessment ........................................................................................................................................... 22

4 Post assessment ............................................................................................................. 23

4.1 Writing a policy into trust online .......................................................................................................... 25

4.2 Entering direct debit details ................................................................................................................. 27

4.3 Cover activation (placing a policy on risk) ............................................................................................ 28

5 Documents to download ................................................................................................. 31

5.1 Where are the Cover Summary and Statement of Terms .................................................................... 31

5.2 Where is the Quote Illustration ............................................................................................................ 32

5.3 Where to download a copy of the disclosures (Application Form) ...................................................... 33

6 Adding another benefit post activation ......................................................................... 34

7 Amendment following inception (AFI) ........................................................................... 35

8 Appendix .......................................................................................................................... 37


1 Introduction

1.1 Introduction to the AIG Life Online System

The AIG Life Online System is the online application that you use to submit business to AIG Life. The online system may sometimes be referred to as Edison.

For any further information or help using the AIG Life Online System, please contact our Customer Service team on 0330 123 4489.

1.2 Logging into the AIG Life Online System

When you register with us, we will send you an email with your temporary username and password.

Your username will usually consist of five letters and six numbers, for example VEBAA296630. Your password will vary in format.

To log into the AIG Life Online System, visit the website www.aiglife.co.uk/microsite/nfumutual.

In the top right-hand corner, click the ‘Login’ button.

You will be taken to the following screen to log in:

If it’s your first time using our system, you’ll need to log in using the login details we have provided to you. Please note, you cannot copy and paste your password as this will result in an unsuccessful log in.

At this point, you will need to amend your username to your NFU Mutual User ID. This is the only time you can amend your username without asking Customer Services to reset your details.

You’ll also be asked to amend your password to something more memorable. Once you have amended your username and password, you’ll be asked to enter them again to ensure no errors have been made. You can then start submitting business.


2 How to prepare a quote

2.1 Creating a quote on the AIG Life Online System

There are three quote sections: ‘New Quote – Personal’, ‘New Quote – Business’ and ‘New Quote – Relevant Life’.

Click the ‘New Quote – Personal’ tab to apply for the following products:

1. Term Assurance

2. Critical Illness with Term Assurance

3. Family Income Benefit

4. Income Protection

5. Whole of Life Insurance

Click the ‘New Quote – Business’ tab to apply for:

1. Business Protection Term Assurance

2. Business Protection Critical Illness with Term Assurance

Click the ‘New Quote - Relevant Life’ tab to apply for Relevant Life Insurance.

It is important that you do not apply for Business Protection or Business Protection with Critical Illness under the ‘New Quote – Personal’ tab, or vice versa. If you do, your application will be declined by the online system and you’ll be asked to submit the application again.

For the purposes of this example, we’ll submit a personal application. Click the ‘New Quote – Personal’ tab.


Enter the client’s details, such as their first name, last name, date of birth, occupation and smoking status.

When entering the client’s occupation, the lookup box will search for the most suitable occupation if it’s not immediately recognised by our system.

You will need to complete the ‘GI Agency’ and ‘Originating Seller’ fields before you can produce a quotation.

Enter the name or number (minimum three characters) to do a partial match lookup. Click ‘Lookup’ and you will be presented with a dropdown list of potential matches to select from.

You can also do a blank ‘Lookup’, which will provide a full dropdown list of all GI Agency and Originating Seller options.

Once completed, the GI Agency and Originating Seller will be visible in the top right of the screen. You can change your selection by clicking ‘Edit’. The GI Agency and Originating Seller can be changed at any point until the policy is activated.

Click ‘Save Changes’.

At this point, you can make changes to the client’s details such as name and date of birth. You can also add another person for a Joint Life application or to have individual benefits for two different lives on one application.


2.2 Applying for a Benefit

Once the details for both lives have been entered, click on the cover that you want to apply for.

In this example, we will set up a Decreasing, Joint Life, Critical Illness with Term Assurance plan.

Click the tab underneath the product name that relates to the type policy you want to apply for.

You’ll be asked to enter the main details of the application, such as the term and sum assured. Depending on the product chosen, different options will appear.

Term Assurance: Who the cover is for (1st Life, 2nd Life or Joint), the term of the policy, the sum assured, the premium frequency, and options to select waiver of premium and increasing cover. Note: if you have chosen a ‘Decreasing’ policy, you will also be asked to choose a % Interest rate, from a choice of 10, 11, 13 or 15%.

Critical Illness: the same options as Term Assurance, however you will also have the option to select Total Permanent Disability (TPD).

Family Income Benefit: the same options as Term Assurance, except you will be asked to enter a monthly benefit instead of a sum assured.

Income Protection: Who the cover is for (this can only be single life), the term of the policy, the deferred period (4, 8, 13, 26 or 52 weeks), the premium frequency, the monthly benefit and the option to select increasing cover.


To select a Joint Life benefit, click the scroll button next to the ‘This cover is for’ option and select the 1st Life, the 2nd Life or both of the lives i.e. a Joint life application.

Once you have selected who the cover is for, select any additional benefits such as Waiver of Premium or Total Permanent Disability and click ‘Quote’ to show the new premium.

If you’re happy with the premium, click ‘Save Changes’ to save the benefit to the quote.

Once a benefit has been saved, you’ll have the option to download the Quote Illustration, which is explained further in section 2.4.


2.3 Applying for multiple benefits

Click ‘Add a Cover’ to bring up the list of available products.

When you have chosen another benefit and quoted, a £2 multi-product discount will be applied to the most expensive benefit to bring the overall premium down. All policies need to be activated at the same time to receive the multi-product discount.

When all the benefits have been saved, your screen will look like this:

On each benefit, you’ll see the individual premium and the amount of commission paid to NFU Mutual for that specific benefit. At the top right of the screen, you’ll see the total premium as well the total commission for all the benefits combined.


2.4 Downloading a Quote Illustration

You have the option to download the Quote Illustration to show your client and to keep for compliance purposes. Click on ‘Quote Illustration’ in the ‘Documents for Download’ section.

The Quote Illustration will open in a new Internet Window. This will provide you with a breakdown of the premiums for each benefit and details of any additional options you’ve selected.

Confirmation of the commission amounts per benefit can be found on the last page of the Quote Illustration.

If you are happy with the quote, click the ‘Next’ button.


3 Completing the application

3.1 Electronic AMRA (eAMRA)

The initial screen in the application is the electronic AMRA, known internally as an eAMRA.

You can indicate if your client wishes to see a copy of the GPR, if one is required, before it is sent to us by ticking the box.

You then need to click either ‘I Agree’ or ‘I Disagree’ on your client’s behalf to indicate whether they give us permission to approach their GP for medical information if required.

If your client does not wish to give permission and selects ‘I Disagree’, a warning will appear to confirm that we are not able to continue the application without their permission.

For applications with more than one life, the screen will appear for the first life initially. Once the first life has read the eAMRA and given permission, the same screen will appear for the second life to complete.


3.2 Name and addresses

The first section in the application is the Name & Addresses section.

Confirm your client’s contact details, such as telephone number, address and email address, as well as their marital status.

When entering the client’s address type in the post code and click ‘Lookup Address’. Select and confirm the correct address, which will generate the full address.

If there is more than one life in the application, you’ll be asked if you want to provide another address for the second life. Complete the same process to add another address.


Under ‘Email address’, choose whether your client will receive their policy documents via post or email. Click on the relevant option and the documentation will be generated and sent to them via this method once the policy is activated.

Please note we still require a valid email address even if your client wishes their policy documents to be sent to them via post. If an email address is not provided an error message will appear on screen and you won’t be able to progress with the application until one is entered. If your client doesn’t have a valid email address, please contact our Customer Service team.

At this point, you can also add a cover owner of the policy to make it a Life of Another (LOA) policy. If you choose this option, enter the name and address of the cover owner and click ‘Save’.

Under the GP details section, search for your clients GP details by clicking ‘Find GP Surgery’.

A search box will appear. Input your client’s postcode and select the correct surgery from the available nearby options.

You can also input the GP details manually by providing their postcode, clicking ‘Lookup Address’ and selecting from the drop down list.

Please note that we require the clients GP details at this stage. If GP details are not provided, the application will not be able to continue until the details have been entered.


If your client does not have a GP in the UK, Isle of Man, Channel Islands or Gibraltar, select ‘No’. If you select ‘No’, a warning message will appear confirming that if your client does not have a GP within the UK, Isle of Man, Channel Islands or Gibraltar and a medical report is required, we will not be able to proceed with the application.

Once the above has been completed, a guidance screen will appear prompting questions to be answered openly and honestly. If you and your client are happy to proceed, click ‘I Agree’.


3.3 Height and weight

You can choose to disclose height and weight in either imperial or metric measurements. You can only use one metric for both measurements.

For clients equal to and over the age of 64, an additional question regarding unexpected weight loss will appear.

3.4 Medical screening

This section identifies cases that require a GPR or those that will result in a declined decision. It concerns more serious conditions, such as malignant tumours, heart conditions and serious kidney issues.

If your client is declined in this section, the system will remove the supplementary medical section to speed up the application process.

Please note, if a Targeted Medical Report (TMR) is requested in this section the full application will still be asked as the TMR only requests information on one specific medical condition and does not provide a picture of the clients overall health.

The conditions listed within this section will also vary depending on the client’s age. For example, if your client is over 40, heart attack and stroke will also appear.


3.5 Medical

This section determines whether the client has been to see a GP or medical practitioner, had any kind of medical investigations or procedures within the last 5 years, or if they are under routine medical review.

If your client answers yes to any of these questions, a supplementary medical section is generated to ask about more specific common conditions, such as high blood pressure, digestion issues, chest and lung disorders and neurological issues. Remember, if your client has been declined or had a GPR requested in the medical screening section, the supplementary medical section will not be generated.

Please note the questions asked in this section vary depending on the products being applied for and the age of your client.

If all of these questions are answered no, it will take you to the Family History section, unless the policy was postponed or a TMR was requested earlier on in the medical screening section.


3.5.1 Supplementary medical section

This section presents a list of more common conditions, such as raised cholesterol, digestive disorders and asthma. Some of the questions are only concerned with conditions where it has caused them issues within the last five years, so if your client has suffered from particular issues before this period they do not need to be disclosed.

Please note, if it doesn’t ask about a specific condition directly, disclose anything else that has affected your client medically in the final question:

“Apart from in connection with a condition you've already mentioned have you visited your GP in the last 2 years?”

3.5.2 Disclosing a condition within this section

For example, your client has suffered from raised blood pressure and needs to disclose this.

There is a question specifically related to this condition: “Have you had any blood circulation problem, cardiomyopathy, chest pain, irregular heartbeat, raised blood pressure or raised cholesterol in the last 5 years?”

Firstly, select ‘Yes’ to this question and click ‘Next’. The application will then ask the following questions:

Q1: How many of these conditions have you had?

A1: Enter a whole number

Q2: Please tell us the name of condition 1

A2: Type in the name of the condition, which in this case is raised blood pressure

Q3: Do you also have any of the following conditions?

A. Diabetes

B. Raised Cholesterol

C. Neither of these

A3: These are common conditions that can be related to raised blood pressure


Q4: Are you waiting to have a hospital investigation, the results of an investigation or to see a hospital specialist for raised cholesterol or blood pressure?

A4: If the applicant is awaiting a hospital referral or investigations, then cover cannot be offered until the investigations are complete and the results known.

Q5: Have you been diagnosed with an enlarged heart, other heart problems, kidney or bladder problems?

A5: With a history of raised blood pressure in combination with any heart or kidney problems, a GPR will be required before cover can be offered

Q6: When your blood pressure was last checked by a medical professional were you told it was normal? (If you know your reading and the first number was above 139 or the second number above 89, it is higher than the recommended level and you should answer as high).

A. Yes, it was normal

B. No, it was high

C. It was slightly higher than normal

D. Don’t know

A6: Input relevant answer using the readings in the question as a guide into what a normal reading is

Q7: Are you taking prescription medication to treat your blood pressure? Yes / No

A7: Select yes or no

Q8: When was your blood pressure last checked by a medical professional?

A. Within the last 12 months

B. 13 to 18 months ago

C. More than 18 months ago

A8: If someone has disclosed raised blood pressure that isn’t very well controlled and not being checked regularly then the application will be postponed until the applicant has gone to see their GP to have the blood pressure checked

Q9: Please tell us why prescription medication wasn’t needed from the following options:

A. No medication was needed or advised

B. Medication was advised but I prefer not to take it

C. My blood pressure is being reviewed to decide if I need medication

A9: Choose the appropriate option


Below is an example of how the questions will appear:


3.6 Family history

This section determines whether your client’s family have been diagnosed with any conditions that are genetically linked such as certain types of cancer (breast, bowel, ovarian), multiple sclerosis, cardiomyopathy, Alzheimer’s or a family history of early heart attacks or strokes.

If you select yes to any of the above, it will ask what condition they suffered, how many relatives have suffered from it, who suffered from it and how old they were when they were diagnosed. It may also ask if the client has ever suffered from symptoms of that condition or if they have had investigations.

If they select no and they’re between the ages of 40-64, it will ask if the client’s parents are still alive and what age their parents are at that moment in time.

The list of conditions will vary depending on the age of the client.


3.7 Drinking and smoking

This section asks questions about how many pints, shorts or glasses of wine your client consumes on an average week, whether they have smoked or if they have taken any illegal substances.

If your client confirmed that they are a smoker when they quoted, it will ask what they smoke (cigarettes, pipe, e-vape cigarettes etc.) and how many they smoke a day. If they quoted as a non-smoker, it will ask when they last smoked.

In regards to alcohol consumption, some additional questions will be asked regarding whether or not alcohol has affected their social or work activities in anyway.

If your client has taken non-prescription drugs within the last 10 years, select which drugs they have consumed and if they have suffered from any mental problems or side effects.


3.8 Travel and leisure

This section will address whether your client has travelled or is planning to travel to any dangerous countries in the future. If they disclose that they have been to a country with poor sanitation or that is a high HIV risk for more than 13 weeks, we will require a medical to be completed to test for contagious diseases such as HIV and Hepatitis B and C.

This section will also ask about your client’s hobbies to determine if they plan on taking part in any dangerous activities in the future.

Depending on the age of your client, it will ask whether they have been involved in any road accidents that were their fault and if they have had any driving convictions.

If your client is under the age of 50, they will be asked if they have ridden a motorbike within the last 12 months. If they have ridden a bike over 500cc, it will ask the power of the bike ridden, how many miles they travel a year as well as their experience.


3.9 Occupation and finances

This section determines the essential duties of your client’s occupation. If they have dangerous aspects to their work, such as working with heights or explosives, it will need to be rated appropriately.

In addition, if your client has applied for more than £500K Critical Illness or £750K Term Assurance, additional financial questions will be asked to ensure that the level of they have chosen is suitable given their financial circumstances.

You will also be asked if your client has existing cover or concurrent applications with AIG Life (formerly Ageas Protect or Fortis Life). If they do, you will be asked if this new application will replace the existing cover or if any special terms or medical evidence were placed on the original application.

If the answer to these two questions is no, you will be asked if the combined sum assured of the existing application and the sum assured of the new application have breached certain non-medical limits. If they have breached the limits presented by the AIG Life Online System for that person’s age, the case will refer into underwriting for the appropriate non-medical limit (NML) evidence to be requested.

3.10 Assessment

If you’re happy that all of the information has been disclosed correctly, click ‘Next’. The AIG Life Online System will apply terms if it is possible to do so.


4 Post assessment

The AIG Life Online System can apply a number of different decisions:

• Standard

• Non-Standard (the policy has been rated or had an exclusion applied)

• Referred (referred into the underwriting team)

• Referred for Tele-underwriting

• More information required (medical screenings for Non-Med limits)

• General Practitioner Report (GPR)

• Targeted Medical Report (TMR).

If the system has applied terms, you will see “Please press 'next' to purchase your cover”. If standard or non-standard terms have been applied, you will see a ‘View Full Terms’ option. Click this to view the ‘Statement of Terms’ (SoT) for that product.

If an exclusion has been applied, this will be communicated in the ‘Excluded’ section within the SoT. Please see below for confirmation:


If a GPR or TMR has been requested, you’ll be prompted to download and print the GPR. Click ‘Download Targeted Medical Report’ or ‘Download General Practitioners Report’.

This will include a copy of the consent form (Electronic AMRA) completed earlier in the application for you to send to the GP surgery.

If the system decides to postpone or decline an application, the reason why we have come to this decision will also be included.


4.1 Writing a policy into trust online

With AIG Life, you can either write the policy into trust online before activating it or write the policy into trust using the traditional paper based trust forms after the policy has been activated online.

Please note that once the policy has been activated online, you’ll no longer have the option of writing the policy into trust online and will need to use the paper trust forms instead.

To write a policy into trust online, click the ‘Trust Forms (optional)’ tab. The benefits that can be written into trust and the specific trusts that can be used for them will be listed.

Choose the most suitable trust option and click ‘Save and Continue’.

You’ll be asked to confirm what benefits will be retained or gifted to the trust and to input the trustee and beneficiary’s name and address.


4.1.1 Adding a trustee and beneficiary

You’ll be asked to confirm if the Settlor (policy holder) is the first trustee for the policy. You’ll then be asked to enter the details of one more trustee, so that you have a minimum of two trustees.

You’ll also have the option to exclude a specific beneficiary should you wish to do so. When all of these details have been added, you can download the Declaration of Trust, which will also appear within the customers policy pack once the policy is activated.


4.2 Entering direct debit details

Before activating a policy, enter your clients direct debit details for the premiums to be paid from. Click on the ‘Direct Debit’ tab, and enter the Account Number and Sort Code of the relevant account.

To ensure you have entered a legitimate account and not made any errors, check the account details by clicking ‘Check Bank’.

If the details are correct, the name of the Bank and the address of the Branch will appear on the screen.

Select a preferred payment date, which can be any date between the 1st and the 28th.

Please note that when selecting the preferred payment date (PPD), it won’t mean that your client’s first premium will be taken on this date as this depends on what date the policy is activated – the first premium is usually taken 14 days after the policy is activated. After the first premium has been collected, the premiums will be collected on the PPD, or just after if the PPD falls on a weekend or Bank Holiday.


4.3 Cover activation (placing a policy on risk)

In this section, you’ll need to confirm your agreement with a number of statements, such as:

1) Was it an advised sale?

2) Does your client understand all of the features of the cover and have they accurately disclosed everything?

3) Does your client agree with the Customer Declaration?

4) Would your client like to receive further marketing information on AIG policies or be involved in Market Research?

If you have received terms on one benefit and not the other, you’ll have the option to remove the multi-product discounts and activate one of the benefits without waiting for terms on the other. To do this, click ‘Remove Discounts’.


To activate all of the benefits at the same time, click the ‘Cover start date’ box and select the cover start date.

Please note you can choose to select a start date that is no more than 30 days ahead of the current date, or a date that falls outside the terms expiry date. If you try to activate with dates outside of these timeframes, an error message will appear advising you when the last date you can start the policy is.

Once you have selected the correct date and confirmed that you want to activate now, complete the activation process by clicking ‘Activate’ at the bottom of the screen.


When the policy has been activated, you’ll automatically be directed to a screen to view all of the policy documents that will be sent to your client in their policy pack. You can download copies of the documents from this screen.

The documents will appear online for the duration that the policy is on risk and to enter this section in the future, click on the ‘Show History’ tab.


5 Documents to download

Once a policy has been activated, you may want to download the following documents for your compliance records:

1) Copy of the original quote (Quote Illustration)

2) Copy of the disclosures made on application (Application Form)

3) Final Statement of Terms (SoT)

4) Summary of the key details of the cover (Cover Summary)

5) Trust documentation

5.1 Where are the Cover Summary and Statement of Terms

The Cover Summary and Statement of Terms documents can be found in the ‘Show History’ section of the application. If these options disappear from the page, click ‘+ More information’ and they will reappear.


The following screen will show the Statement of Terms and all customer policy documents, which can be found here for the duration of the policy.

5.2 Where is the Quote Illustration

To download the original Quote Illustration, click ‘Quote Details’.

The Quote Illustration can be found in the ‘Documents for Download’ section.


5.3 Where to download a copy of the disclosures (Application Form)

You may need to download a copy of the disclosures you have made on an application for compliance records. These disclosures can be found in the ‘Application Form’ in the ‘Documents for Download’ section.

You may need to click the ‘Show Summary’ tab if you’re unable to access the page above.


6 Adding another benefit post activation

You may need to add another benefit onto an application where the previous benefits have been on risk for a number of months.

You’ll be able to add the new benefit onto the original application up to 10 months after the original policy was submitted; otherwise the online application will close itself to new benefits. You will not need to disclose all of the information again and will be asked to confirm if the information submitted is still current and up to date.

To add on another cover, click the ‘Quote Details’ tab, and then click ‘Add a cover’ to show the list of available covers.

Once you have chosen which cover you want to add, confirm the benefit choices in the usual way.


7 Amendment following inception (AFI)

Once a policy has been activated, customers will receive a copy of their application disclosures within the ‘Application details’ document included in their policy pack. If they notice that any of their disclosures are incorrect or that they have forgotten to disclose something, we offer them a number of ways to update them.

Available options include:

• Sending us confirmation of their correct disclosures using the ‘Amendment form’ document, which is included in their policy pack

• Contacting Customer Services directly via email or phone

• Asking their adviser to update it for them.

Please note you only have the ability to update your clients’ disclosures for up to 10 months from when the application was originally submitted. After 10 months you will no longer be able to make any changes. You will still be able to view all of your customer’s policy documents throughout the term of the policy.

Once an application has been submitted, customers do not have to keep us informed of their current medical health. An AFI only needs to be completed if their original disclosures were incorrect.

To update your clients disclosures, access the online application and go to the relevant section that needs updating. You will be presented with the following screen asking you to confirm if you want to make a change. To start the AFI, click ‘Yes, I Want to Make Changes’.

The application will go back into apply status, where you can correct your client’s disclosures.


Once you have corrected the relevant information, you will be taken back to the assessment page, where you will be presented with a confirmation of the disclosures you have amended.

Check the policy details are correct and click ‘Next’. The AIG Life Online System will reassess the application and apply the appropriate decision.

If new terms are available the AIG Life Online System will confirm ‘In-force cover updated’. The customer will receive an updated version of their disclosures, as well as a new Cover Summary and Statement of Terms confirming if any amendments have been made to the terms they were originally offered. The updated policy can be found within the ‘Show History’ tab in the application:

If the application is referred to underwriting to assess the impact of the new disclosures, it will show as “referred”.


8 Appendix

Examples of End States:

End state Description Is this state permanent? Quote Expired Quote has not been progressed

and has now passed the expiry date

No - you can re-quote which will reset your quote effective / expiry date

Abandoned AIG has failed to receive all the necessary evidence within the required timeframes

No - if evidence is subsequently received you can re-quote and an underwriter will be able to apply a decision

Cancelled From Inception (CFI) or Not Taken Up

AIG has been informed that the customer does not want to proceed with cover, so the application has been cancelled

Yes - a new application can be added under the same plan, but the existing application cannot be restarted

Terms Expired AIG has offered terms but the application has not been activated within the required timeframes and the terms are no longer valid

No - you can resubmit the application and an underwriter will be able to reapply a decision

Declined AIG has underwritten the application and been unable to offer cover

No - underwriting disclosures can be updated and it can be resubmitted for underwriters to reconsider the application

Postponed AIG has underwritten the application and been unable to offer cover for a period of time

No - underwriting disclosures can be updated and it can be resubmitted for underwriters to reconsider the application

AIG Life Limited. Telephone 0345 600 6820. If calling from outside the UK, please call +44 1737 441 820. Registered in England and Wales. Number 6367921. Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. AIG Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The registration number is 473752.

EDCO 2170 1117