Statement of Demands and Needs

Your Demands and Needs are those of a person seeking to assess their suitability for protection insurance. In addition, you may have other Demands and Needs which have been specifically declared by you.

If you have other Demands and Needs please let us know in writing or by email.

Will our products meet your Demands and Needs?

Burgesses products may be suitable for persons aged between 18 and 65 who live and work in the United Kingdom for more than 16 hours each week and have done so continuously for the past 6 months by providing:

• Back–to–day–one claims benefits for up to 12 months.

• Competitive premiums which are payable by Direct Debit.

• Tax free benefits.

• Peace of mind and a good level of cover but which is not intended to meet every eventuality.

• A simple cancellation process should the product not suit your needs in the future.

• Flexibility to increase or decrease your benefit level.

Are there circumstances when our products may not meet your Demands and Needs?

Burgesses products are not suitable for persons who:

• do not live and work in the United Kingdom

• do not work for more than 16 hours each week and have not done so continuously for the past 6 months

Furthermore, Burgesses products are much less likely to be suitable for you if:

a) You cannot register as unemployed within the United Kingdom.

b) Your are employed on a fixed-term contract and you have less than 2 years service with your current employer.

c) You are employed on a fixed-term contact and your contract has 6 months or less to run.

d) You are aware of any proposed redundancies or reorganisation in the business you work for.

e) You are aware of any financial or contractual threat to the business you work for.

f) Your work is casual, temporary or seasonal in nature or unemployment is a regular feature of your particular job

g) You are currently disabled or you have a pre-existing medical condition.

h) You are currently unable to work due to an incapacity (including any maternity leave).

i) You are an existing borrower and your mortgage or loan is in arrears or is shortly due to end.

j) You are using your mortgage or loan for commercial purposes (including buy to let mortgages).

k) You are not living in the property named on your proposal.

l) You are acting as a guarantor on the mortgage or loan (even if you are named on the agreement).

m) You already have unemployment and/or incapacity insurance.

n) You do not have or intend to have a mortgage or loan.

o) You wish to insure more than 50% of your gross monthly income.

p) You wish to obtain immediate unemployment cover.

q) You become unemployed or incapacitated and still receive some income.

Important Note: Please read the policy documents carefully, particularly if any of the above circumstances apply to you. This is because either an exclusion or policy condition may stop you from being able to claim or affect your eligibilty to claim.