Fidante Benefits Package

Will this Plan affect my private arrangements?

Not usually. Any existing family or mortgage protection arrangements can and probably should be maintained.

Member Action Required! New members of Staff:

• You will be added to the Plan automatically (there are normally no joining forms to complete). • Please complete and return a Nomination Form to Fidante HR – ( please click here for the Nomination Form page ). • Medical Underwriting - there may be a requirement for a medical questionnaire or other medical requirements. You will be notified if you are required to provide any medical information. Please note that you may not be fully covered until the medical underwriting process is complete. In the event of the insurer declining your application, you will be notified. In the event of the insurer increasing the standard rates of premium, Fidante reserves the right to restrict your cover. • Please remember to update your Nomination Form should your circumstances or requirements change (you should remember to review your decision every few years – and especially at the time of major life events). Updated Nominations should be returned to JMA. • Medical Underwriting - salary increases may result in standard underwriting limits being exceeded. In these circumstances, there may be a requirement for a medical questionnaire or other medical requirements. You will be notified if you are required to provide any medical information. Please note that you may not be fully covered for the salary related increase in benefits until the medical underwriting process is complete. In the event of the insurer declining your application, you will be notified. In the event of the insurer increasing the standard rates of premium, we reserve the right to restrict your cover. Existing Members of Staff:

Who do I contact for further information?

The Corporate Team at JMA corporate@jmurray.co.uk Phone : 020 8642 3680

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