Clydesdale Bank Friends Life Protection Account

Full product details for the Clydesdale Bank Friends Life Protection Account life insurance policy, including application criteria, policy details, cover, funds, guaranteed insurability, premiums & fees, claims, exclusions and conditions.

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Clydesdale Bank Friends Life Protection Account Features & Benefits

Type of Cover	Friends Life Protection Account
Life Insurance Type	Decreasing Term Life Assurance
Minimum Age	18 years
Maximum Age for New Cover	83 years
Age Cover Expires	84 years
Max Life Cover	£10,000,000
Maximum Term	40 years
Maximum Child Age	20 years
Single Life Cover	yes
Joint Life First Death Cover	yes
Joint Life Cover with Seperate Benefits	yes
Whole of Life Cover	no

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Application Criteria
Permanent UK Resident	yes	This product is only available to individuals who are permanent UK residents.
Available Direct	yes	This product is available direct from the provider.
Minimum Age	18 years	The minimum age at entry is 18 attained.
Maximum Age for New Cover	83 years	The maximum age at entry for Life Cover is 83 attained. Full details of the maximum ages at outset are as follows: Contract........................................Max. age attained at entry Life Cover..........................................................83 Life Cover - 5 Year Renewable........................64 Life or Earlier Critical Illness Cover..................64 Critical Illness Cover.........................................64
Minimum Child Age	30 days (1 month)	For a claim to be valid an eligible child must not be less than 30 days old (this does not cover treatment between conception and birth).
Maximum Child Age	20 years	For a claim to be valid an eligible child must be under 18 years of age, or under the age of 21 and in full-time education.
Cover for Expats	no	The plan is not available to UK expatriates.
Cover for Foreign Nationals	yes	The plan is available to permanent UK residents.
Max Age for Life Cover Buy-Back	68 years	To exercise the option, the person covered must be age 68 or less at the date of the claim.