These are the 'Key Features' of the
MPFS 'Income Protection Plan'

"Why should I read this document?"

The Financial Services Authority is the independent financial services regulator. It requires us, the Metropolitan Police Friendly Society, to give you this important information to help you to decide whether our MPFS Income Protection Plan is right for you. You should read this document carefully so that you understand what you are buying, and then keep it safe for future reference.

We want you to be comfortable that you understand the 'Key Features' of this product before you decide to proceed. If you do not understand something in this document, please feel free to contact us:

Its aims

• To give you a regular monthly benefit if you are unable to work due to incapacity, resulting in a loss of earnings.
• To give you lump sum benefits during incapacity to help meet the costs of being long-term sick, and to ease your transition back to employment after medical retirement.
• To give you a lump sum benefit if you are diagnosed with a critical illness (see 'What does the plan cover?').

Your Commitment

• You must give us all medical and other information we ask for when applying for your plan and advise us of any material changes occuring after you complete your application form but before cover starts (see 'How do I apply?').
• You must make all the regular premium payments needed for the length of the plan (see 'What if I stop paying premiums?'). However, premiums are not payable when you're receiving benefit having made a claim.

Risks

• Certain causes of claim won't be covered (see 'When will my plan NOT pay out?').
• You won't be covered if you stop paying premiums.
• In the event of medical discharge, any claim relating to mental disorders will cease to be paid.
• Benefit under the plan is not index-linked, therefore the value of any benefit paid during a claim will be adversely affected by inflation over the years.
• Premiums payable are regularly reviewed and may change (see 'How much does the plan cost?').