Product Disclosure

When consumers are considering the purchase of a life or health insurance product, it is important that they have adequate information about you and the insurance product that you recommend, to allow them to make an informed decision.  In certain jurisdictions, these disclosure requirements must be given in writing to the client prior to the sales transaction.

To fully understand their new insurance product, how it meets their needs and the company offering the product, Standard Life has developed Product Disclosure documents.  The content of these documents covers product features and benefits, guaranteed and non-guaranteed features, information on premiums and fees, limitations, reductions and exclusions, clients’ rights and responsibility, and other topics.

These documents are available in each of the product pages on our website under the section entitled Product Disclosure.

You must provide your clients with a copy of the applicable Product Disclosure document, at or before the application is taken, to allow them to make an informed decision.

Life Insurance:

• Perspecta Universal Life Insurance Product Disclosure
• Protecta Critical Illness Insurance Product Disclosure
• Term 10/20 R&C Insurance Product Disclosure
• Whole Life insurance product disclosure

Money Products:

• Ideal Term Funds Product Disclosure
• Performance Annuity Product Disclosure
• Conventional Annuities Product Disclosure