1. Key Features

What makes the Unisure International Individual Life Plan unique compared to standard life insurance? The plan offers portable, international life cover that follows you wherever you live and work. It features a fast, frictionless digital onboarding process using industry-leading Face-iT Scan technology. Additionally, it provides rewards in the form of cashback for maintaining health and a Flexible Cover Option to increase protection during life events.

What are the different types of plan variations available? There are four specific product variations:

• Individual Life Plan: Pays a lump sum for family security, living costs, and estate taxes.

• Mortgage Protection Plan: Covers outstanding mortgages with cover that reduces over time.

• Key Person Protection Plan: Protects businesses against the loss of a revenue-generating employee.

• Shareholder Protection Plan: Enables surviving shareholders to purchase a deceased owner’s shares.

How does the Face-iT Scan technology work? Face-iT Scan is a tool that uses your smartphone or laptop to scan your face for 60 seconds. It captures unique biometric information to provide a personalised health score and detailed understanding of your health instantly. This technology allows for instant cover without medical underwriting.

What is the Flexible Cover Option? This feature allows you to increase your cover amount by up to 50% without additional medical underwriting. It is available upon specific life events such as marriage, divorce, the birth or adoption of a child, a promotion/change in employment, or taking out a mortgage.

Does the policy offer any rewards for healthy living? Yes. Through "Face-iT Rewards," you can earn up to 10% cashback on your annual premium. The cashback amount depends on the number of quarters you complete a Face-iT Scan and your average quarterly Face-iT Score.

2. Eligibility & Coverage Scope

What are the age limits for applying for this cover? The age at entry is between 18 and 69 years old. The maximum age of cover is 80 years, at which point the cover will end.

Is the coverage valid if I move to a different country? Yes. The insurance provides worldwide coverage and is designed to follow policyholders wherever they live and work. The only exception is coverage in sanctioned countries.

What currencies can the policy be issued in? Policies are available in USD, EUR, or GBP.

Can I include another person on my policy? Yes, the plan offers "Lives Covered Options" for either a Single Life or Joint Life.

Are there specific residency restrictions for applicants? Unisure cannot issue a policy for anyone currently residing in the United States of America. Additionally, they cannot issue policies to Mauritian nationals currently residing in the Republic of Mauritius.

3. Limits & Financials

How much life cover can I obtain instantly without a medical exam? You can get instant cover up to USD 750,000 for applicants up to age 45. For applicants up to age 55, the instant cover limit is USD 500,000.

What is the maximum amount of cover available under this plan? The total cover available ranges from USD 50,000 up to a maximum of USD 6 million. Amounts above the instant cover limits require standard medical underwriting.

Are the premiums fixed or do they change over time? The plan offers a guaranteed, level premium pattern for the duration of the policy.

What are the specific limits on the Flexible Cover Option increases? The increase is limited to 50% of the original insured amount, up to a maximum of USD 250,000. This option can only be exercised up to age 55.

Is there a cap on the cashback I can earn? Yes. While you can earn up to 10% cashback, the maximum monetary amount is capped at 400 USD/GBP/EUR per annum.

4. Add-ons & Additional Benefits

What is the Digital Legacy Vault? The Digital Legacy Vault is a secure, digital platform where you can store important personal documents such as your Will & Testament, passwords, and online identity details. It uses encryption and two-factor authentication to ensure security.

Does the Digital Legacy Vault cost extra? No. The Digital Legacy Vault comes standard with the Unisure International Individual Life Plan at no additional cost.

What specific "immediate expenses" does the policy cover upon death? The policy includes an "Advanced Payment Benefit," which provides an instant payment of USD 5,000 to cover funeral and immediate expenses.

Does the policy help with returning a body home if death occurs abroad? Yes. The policy includes a "Repatriation of Mortal Remains Benefit," covering up to USD 5,000 if death occurs outside the policyholder's home country.

Can I share access to my Digital Legacy Vault with my family? Yes. You can choose one or more "trusted appointees" who can access your data if you pass away. This helps ensure your loved ones know your wishes and can access necessary information.

5. Process Questions (Application & Claims)

How long does the application process take? The application is a fully digital process that allows you to apply for a plan in approximately 10 minutes.

Do I need to visit a doctor to get approved? Not necessarily. For cover up to USD 750,000, you can use the Face-iT Scan and answer an initial question set for instant cover without medical underwriting. Medical underwriting is only required for higher cover amounts or if cases are flagged during the initial questions.

How do I use the Face-iT Scan during the application? You simply use your smartphone or laptop to scan your face for 60 seconds. The system captures biometric data and displays your health results on-screen instantly.

What happens if I get a low score on my Face-iT Scan? The Face-iT Scan is not a diagnostic tool; however, if you are uncertain about the results, you are advised to contact your medical doctor to investigate concerns. A lower score may affect your cashback percentage (e.g., a score under 70 earns less or no cashback depending on the quarter), but the guide focuses on using the score to take positive actions to improve health.

How do I activate the Digital Legacy Vault after I sign up? You will receive a welcome email from Unisure's partner, Life After Me, containing a unique link. Simply follow that link to activate your account and gain full access.

6. Legal, Compliance & Exclusions

Are pre-existing medical conditions covered? There is no applicable exclusion for pre-existing conditions; lives are covered for death from all causes from policy inception, provided the case was accepted during underwriting (though some cases may be flagged or postponed).

Is there a waiting period for suicide coverage? Yes, there is a suicide exclusion for 24 months from the policy inception.

Does this policy cover disability or sickness? No. The fact sheet explicitly states "No disability & sickness cover". The purpose is to pay a lump sum benefit after death.

Who underwrites and reinsures these policies? The policies are underwritten by Guardrisk Life International and reinsured by Gen Re. Unisure also partners with Allianz and Scottish Friendly for other products.

Are the documents and digital services secure? Yes. The Digital Legacy Vault specifically comes standard with password protection, two-factor authentication, and SSL Encryption to ensure security. The Face-iT technology is developed with Advanced Health Intelligence (AHI), a leader in active risk management technology.