Mortgage Protection Life Cover

<sup>1 Minimum monthly protection premiums of £30 for a single policy and £40 for a joint policy apply. The premium discount is available on Whole of Life policies with Vitality Optimiser for an additional monthly fee of £4.50. This fee is subject to change. To find out about these charges please read our reward terms and conditions.

2 Available with Vitality Optimiser for an additional fee of £4.50 per month. Available at participating gyms in our Vitality Network. Applies to Flexible Individual Platinum membership at selected David Lloyd Clubs. This offer does not apply to the Virgin Active Chiswick Riverside Health and Racquet club.

Virgin Active joining fees are £50 for all clubs other than Classic Collection clubs, where joining fees are up to £75.

The Nuffield Health Fitness & Wellbeing discount is available at selected clubs. Applies to one month contracts. A joining fee of £30 will apply.

40% off Individual Flexible Platinum membership fees at selected David Lloyd Clubs. A joining fee of £60 will apply.</sup>

<sup>3 Each adult member on the plan will need to earn 12 Vitality activity points per week for two consecutive weeks to unlock a cinema code. If you have children on your plan, each adult will need to earn 12 points a week for two consecutive weeks to unlock child cinema tickets. Your cinema ticket code will be valid for two weeks. Maximum of 12 tickets a year if you are a single planholder, 24 tickets a year if you are a joint planholder or 36 tickets a year if you are a family with one or more dependents on your plan. The cinema tickets are valid at either Cineworld or Vue cinema.

Codes are not valid for viewings at Cineworld Leicester Square or for alternative content and special showings. Upgrades for 3D and 4DX films are available at Cineworld for an additional cost. Upgrades for 3D films and VIP seats are available at Vue for an additional cost. VIP seats can only be booked at the cinema and not online. Cinema ticket voucher codes can only be used by Vitality members. In absolutely no circumstances can voucher codes be sold or gifted to third parties by a member. Maximum cinema tickets per year apply.

* To be eligible for Mortgage Free Cover the plan application must meet all of the following criteria:
• The plan is being used to cover a loan arranged through a recognised financial institution;
• The loan is being used to buy or improve the Insured’s home;
• The loan is not being used to pay for a remortgage;
• The loan is not covered by another life assurance policy or free cover arrangement similar to this Mortgage Free Cover;
• We have accepted the application (i.e. there are no outstanding underwriting requirements)
• The period from when the application was received to when the Insured is legally committed to the loan is less than four months;

Mortgage Free Cover will start on the later of the date we issue an acceptance later and the date the Insured becomes legally committed to the loan.

** Eligibility criteria applies. Additional monthly fee applies for Vitality Optimiser.</sup>