Critical illnesses are more common than you may think. They can strike at any time and could affect your ability to work. If the worst happened, have you considered how your family would manage financially?
For an extra cost you can add Critical Illness Cover when you take out your Life Insurance policy and help protect your family's financial future. The policy, provided by Legal & General, could pay a cash sum should you die or be diagnosed with a terminal illness or one of our specified critical illness during the length of the policy.
The money could help pay your mortgage, private medical treatment or simply be put towards maintaining your family's lifestyle during this difficult time.
Benefits of Sainsbury's Critical Illness Cover
- Discounted premiums for Nectar account holders – simply provide your card details when you get your quote online or over the phone. Discount does not apply for minimum premium (£5pm).
- Cover for specified conditions
- Your children are covered at no extra cost – if your child, or future child, is diagnosed with a specified critical illness and is eligible to claim, a cash sum is paid. This could allow you to take some time off work or modify your home (conditions apply).
- Accident hospitalisation benefit – if you're admitted to hospital with a physical injury following an accident, and stay for at least 28 days, the policy will pay out £5,000 (conditions apply).
- Terminal illness cover at no extra cost – is designed to cover you if you die or are diagnosed as being terminally ill during the policy term, and in the opinion of your hospital consultant and our medical officer, the illness is expected to lead to death within 12 months. Terminal illness can't be claimed after your death or if the length of your policy is less than two years. Terminal illness cover is automatically included in your policy at no extra charge.
For details on the benefits and conditions please read the Critical Illness Cover. This is not a savings or investment product and has no cash value unless a valid claim is made.
Available offer
Plus, for colleagues
- 3,000 Nectar points^
Offers only available to customers who take out a new Sainsbury's Life Insurance policy. Please see below for full terms and conditions.
It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor. More information can be found in the Policy Summary [PDF 147KB] this is an important document which you should read before applying.
Or call today on
0800 197 4239 quoting SB07
Lines are open 8am-8pm Monday to Friday and 9am-5pm Saturday. Calls may be recorded and monitored. Calls free from a landline and mobile.
^ Colleague offer. Points issued four months after policy start date. Bonus Nectar Points are available to all J Sainsbury colleagues, Sainsbury's Bank colleagues and J Sainsbury veterans. Colleagues may be asked for proof of their employment status at any time during the application process. Offer only available to new Life Insurance customers. If all conditions are met, points will be awarded 4 months after policy start date, as long as the policy is still in force and no premiums are outstanding. Legal & General reserve the right to cancel any policies should they suspect fraud or misconduct. Limited to 1 application per customer. This offer may be changed or withdrawn at any time without notice. No cash alternative available. You’ll need to tell us your Nectar card number when you apply. All online colleague applications must originate from sainsburysbank.co.uk/youchoose to ensure fulfilment of Nectar points.
When taking out a policy for Life Insurance with Critical illness Cover, there are various options you can choose to make sure the cover works the way you want.
Level of cover
You can select the amount of cover and how long you'd like the policy to last. Premiums stay the same unless you alter your policy, so you'll always know how much you're paying.
In the future, you have the flexibility to increase your cover if your lifestyle changes, such as increasing your mortgage or the birth of a child.
Waiver of premium
You have the option of adding Waiver of Premium for an additional cost. This benefit waives your premiums if you’re unable to work due to incapacity caused by illness or injury. After 26 weeks, you'll no longer need to pay your monthly payments, giving you one less thing to worry about.
This is not a savings or investment product and has no cash value unless a valid claim is made
It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor. More information can be found in the Policy Summary [PDF 147KB] this is an important document which you should read before applying.
Critical Illness Cover can only be purchased in conjunction with Life Insurance. Customers who take out a Life Insurance policy with Critical Illness Cover are entitled to double Nectar points as detailed below plus one points award and one colleague voucher.
Colleague offer. In addition to the current customer offer. Points issued four months after policy start date. Bonus Nectar Points are available to all J Sainsbury colleagues, Sainsbury's Bank colleagues and J Sainsbury veterans. Colleagues may be asked for proof of their employment status at any time during the application process. Offer only available to new Life Insurance customers. Colleagues cannot transfer from a current colleague promotion to this offer whilst retaining the same policy. If all conditions are met, points will be awarded 4 months after policy start date. If a payment is missed or the policy is cancelled within this period, points will not be paid. Legal & General reserve the right to cancel any policies should they suspect fraud or misconduct. Limited to 1 application per customer. This offer may be changed or withdrawn at any time. All online colleague applications must originate from sainsburysbank.co.uk/youchoose to ensure fulfilment of Nectar points.
The £70 worth of Nectar points offer is an introductory offer available to customers who purchase direct from Sainsbury’s Bank’s website or by phone a new Sainsbury's Bank Life Insurance plan, Decreasing Life Insurance plan (with or without Critical Illness) or Over 50s Life Insurance plan from 16 February 2017. 14,000 Nectar points, the equivalent of £70, will be automatically credited to your Nectar account after you have paid five months’ premiums, as long as your plan is still in force and no premiums are outstanding.
One set of Nectar points per plan sold, limited to two per household in a 12 month period. Legal & General reserves the right to cancel any plans should they suspect fraud or misconduct. Sainsbury's Bank reserves the right to withdraw or amend this offer at any time, without notice. No cash alternative available.
You need to tell us your Nectar card number when you apply. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com.
Double Nectar Points 1. Offer only available to customers who buy a new Life Insurance, Decreasing Life Insurance (with or without Critical Illness) or Over 50s Life Insurance direct from Sainsbury’s Bank 2. You must continue to pay policy premiums for two years to continue collecting double points. 3. If the policy is cancelled, double points stop from the cancellation date. 4. Only the first Life Insurance, Decreasing Life Insurance (with or without Critical Illness) or Over 50s Life Insurance insurance policy registered against each Nectar account will qualify for double points.5. You collect base points when you shop as normal. Then, by the 10th of each month, we’ll give you a bonus equal to the total of the base points you collected the previous month while you held the policy, up to a maximum of 1,250 points. We’ll do this for up to 24 months from the start date of your policy. We won’t double any bonus points, any points from other offers, or points from Sainsbury’s Energy, Telecoms, Bank and all other Sainsbury’s services. 6. The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury's purchase and points will not be allocated retrospectively. 7. Nectar points are awarded to you by Sainsbury's Supermarkets Ltd. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com 8. Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice 9. No cash alternative available.
A critical illness is a state of severe ill health which is likely to affect your lifestyle. Critical Illness Cover is designed to pay a cash sum if you are diagnosed with a specified critical illness during the length of policy. Not all critical illnesses lead to death and the money could help during your recovery.
Critical Illness Cover could help by paying a cash sum if you are diagnosed with a specified critical illness during the length of the policy.
For details of conditions covered by Sainsbury's Critical Illness Cover, please read the specified critical illnesses list.
Could it happen to me?
No one likes to think they could be diagnosed with a critical illness – but it can affect anyone at any age, at any time. Below is some information on a few of the most well known conditions.
Cancer
- Around 1,200 women under 50 die from breast cancer each year
- 47% of all cases of testicular cancer occur in men under 35
Heart attack
- There were around 92,000 heart attacks in England between April 2010 and April 2011
- Men are two to three times more likely to have a heart attack than women
Multiple sclerosis (MS)
- MS is not a fatal condition, around 100,000 people currently live with the disease
- Most often diagnosed in people in their 20s and 30s
Stroke
- Every year around 150,000 people have a stroke, that's one every five minutes
- Stroke is the largest cause of adult disability
Statistics relate to people living in the UK, sources: Cancer Research UK 2013, Department of Health 2013, Multiple Sclerosis Trust 2013 and NHS Choices 2013. Please note not all forms of cancer are covered.
More people are surviving critical illnesses
Advances in medical science and improved hospital care means the number of people surviving critical illnesses has increased over recent years. However, this also means more people may need financial support to help them during their treatment, recovery and in some cases, to help them live with their illness (source: Legal & General 2013).
This is not a savings or investment product and has no cash value unless a valid claim is made
It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor. More information can be found in the Policy Summary [PDF 147KB]
this is an important document which you should read before applying.
Critical Illness Cover can only be purchased in conjunction with Life Insurance. Customers who take out a Life Insurance policy with Critical Illness Cover are entitled to double Nectar points as detailed below plus one points award and one colleague voucher.
Colleague offer. In addition to the current customer offer. Points issued four months after policy start date. Bonus Nectar Points are available to all J Sainsbury colleagues, Sainsbury's Bank colleagues and J Sainsbury veterans. Colleagues may be asked for proof of their employment status at any time during the application process. Offer only available to new Life Insurance customers. Colleagues cannot transfer from a current colleague promotion to this offer whilst retaining the same policy. If all conditions are met, points will be awarded 4 months after policy start date. If a payment is missed or the policy is cancelled within this period, points will not be paid. Legal & General reserve the right to cancel any policies should they suspect fraud or misconduct. Limited to 1 application per customer. This offer may be changed or withdrawn at any time. All online colleague applications must originate from sainsburysbank.co.uk/youchoose to ensure fulfilment of Nectar points.
The £70 worth of Nectar points offer is an introductory offer available to customers who purchase direct from Sainsbury’s Bank’s website or by phone a new Sainsbury's Bank Life Insurance plan, Decreasing Life Insurance plan (with or without Critical Illness) or Over 50s Life Insurance plan from 16 February 2017. 14,000 Nectar points, the equivalent of £70, will be automatically credited to your Nectar account after you have paid five months’ premiums, as long as your plan is still in force and no premiums are outstanding.
One set of Nectar points per plan sold, limited to two per household in a 12 month period. Legal & General reserves the right to cancel any plans should they suspect fraud or misconduct. Sainsbury's Bank reserves the right to withdraw or amend this offer at any time, without notice. No cash alternative available.
You need to tell us your Nectar card number when you apply. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com.
Double Nectar Points 1. Offer only available to customers who buy a new Life Insurance, Decreasing Life Insurance (with or without Critical Illness) or Over 50s Life Insurance direct from Sainsbury’s Bank 2. You must continue to pay policy premiums for two years to continue collecting double points. 3. If the policy is cancelled, double points stop from the cancellation date. 4. Only the first Life Insurance, Decreasing Life Insurance (with or without Critical Illness) or Over 50s Life Insurance insurance policy registered against each Nectar account will qualify for double points.5. You collect base points when you shop as normal. Then, by the 10th of each month, we’ll give you a bonus equal to the total of the base points you collected the previous month while you held the policy, up to a maximum of 1,250 points. We’ll do this for up to 24 months from the start date of your policy. We won’t double any bonus points, any points from other offers, or points from Sainsbury’s Energy, Telecoms, Bank and all other Sainsbury’s services. 6. The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury's purchase and points will not be allocated retrospectively. 7. Nectar points are awarded to you by Sainsbury's Supermarkets Ltd. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com 8. Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice 9. No cash alternative available.
Sainsbury's Life and Critical Illness Cover, provided by Legal & General, could pay a cash sum should you die or be diagnosed with a specified critical illness during the length of the policy.
Below is the complete list of critical illnesses that the plan covers.
These headings typically use medical terms to describe the illnesses, but in some cases the cover may be limited. For example some types of cancer are not included and to make a claim for some illnesses you need to have permanent symptoms.
For details on each critical illness please read the Guide to Critical Illness Cover.
| Condition | Description |
|---|---|
| Alzheimer's Disease | Resulting in permanent symptoms |
| Aorta Graft Surgery | Requiring surgical replacement |
| Aplastic Anaemia | With permanent bone marrow failure |
| Bacterial Meningitis | Resulting in permanent symptoms |
| Benign Brain Tumour | Resulting in either surgical removal or permanent symptoms |
| Blindness | Permanent and irreversible |
| Cancer | Excluding less advanced cases |
| Cardiac Arrest | With insertion of a defibrillator |
| Cardiomyopathy | Of specified severity |
| Coma | With associated permanent symptoms |
| Coronary Artery By-Pass Grafts | With surgery to divide the breastbone or anterolateral thoracotomy |
| Creutzfeldt-Jakob Disease (CJD) | Resulting in permanent symptoms |
| Deafness | Permanent and irreversible |
| Dementia | Resulting in permanent symptoms |
| Encephalitis | Resulting in permanent symptoms |
| Heart Attack | Of specified severity |
| Heart Valve Replacement or Repair | With surgery |
| HIV infection | Caught from a blood transfusion, physical assault or accident at work |
| Kidney failure | Requiring permanent dialysis |
| Liver failure | Of advanced stage |
| Loss of hand or foot | Permanent physical severance |
| Loss of Speech | Total permanent and irreversible |
| Major Organ Transplant | From another donor |
| Motor Neurone Disease | Resulting in permanent symptoms |
| Multiple Sclerosis | Where there have been symptoms |
| Multiple System Atrophy | Resulting in permanent symptoms |
| Open heart surgery | With median sternotomy |
| Paralysis of a limb | Total and irreversible |
| Parkinson's Disease | Resulting in permanent symptoms |
| Primary Pulmonary Hypertension | Of specified severity |
| Progressive Supranuclear Palsy | Resulting in permanent symptoms |
| Removal of an Eyeball | Due to injury or disease |
| Respiratory failure | Of advanced stage |
| Spinal stroke | Resulting in symptoms lasting at least 24 hours |
| Stroke | Resulting in symptoms lasting at least 24 hours |
| Systemic Lupus Erythematosus | With severe complications |
| Third Degree Burns | Covering 20% of the surface area of the body or 20% of the face or head |
| Total and Permanent Disability** | Of specified severity |
| Traumatic brain injury | Resulting in permanent symptoms |
**There are two definitions of Total and Permanent Disability: Own Occupation and Specified Work Tasks, please read the Guide to Critical Illness Cover for more information.
Additional cover
| Carcinoma in situ of the breast | Treated by surgery. This means that if you meet the definition, we'll pay out 25% of your amount of cover up to a maximum of £25,000. This benefit does not affect your amount of cover or the premiums you pay. |
| Low grade prostate cancer | Requiring treatment. This means that if you meet the definition, we'll pay out 25% of your amount of cover up to a maximum of £25,000. This benefit does not affect your amount of cover or the premiums you pay. |
Terminal illness cover
| Terminal illness cover | Terminal illness cover is designed to cover you if you die or are diagnosed as being terminally ill during the policy term, and in the opinion of your hospital consultant and our medical officer, the illness is expected to lead to death within 12 months. Terminal illness can't be claimed after your death or if the length of your policy is less than two years. Terminal illness cover is automatically included in your policy at no extra charge. |
It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor. More information can be found in the Policy Summary [PDF 147KB] this is an important document which you should read before applying.
Critical Illness Cover can only be purchased in conjunction with Life Insurance. Customers who take out a Life Insurance policy with Critical Illness Cover are entitled to double Nectar points as detailed below plus one points award and one colleague voucher.
Colleague offer. In addition to the current customer offer. Points issued four months after policy start date. Bonus Nectar Points are available to all J Sainsbury colleagues, Sainsbury's Bank colleagues and J Sainsbury veterans. Colleagues may be asked for proof of their employment status at any time during the application process. Offer only available to new Life Insurance customers. Colleagues cannot transfer from a current colleague promotion to this offer whilst retaining the same policy. If all conditions are met, points will be awarded 4 months after policy start date. If a payment is missed or the policy is cancelled within this period, points will not be paid. Legal & General reserve the right to cancel any policies should they suspect fraud or misconduct. Limited to 1 application per customer. This offer may be changed or withdrawn at any time. All online colleague applications must originate from sainsburysbank.co.uk/youchoose to ensure fulfilment of Nectar points.
The £70 worth of Nectar points offer is an introductory offer available to customers who purchase direct from Sainsbury’s Bank’s website or by phone a new Sainsbury's Bank Life Insurance plan, Decreasing Life Insurance plan (with or without Critical Illness) or Over 50s Life Insurance plan from 16 February 2017. 14,000 Nectar points, the equivalent of £70, will be automatically credited to your Nectar account after you have paid five months’ premiums, as long as your plan is still in force and no premiums are outstanding.
One set of Nectar points per plan sold, limited to two per household in a 12 month period. Legal & General reserves the right to cancel any plans should they suspect fraud or misconduct. Sainsbury's Bank reserves the right to withdraw or amend this offer at any time, without notice. No cash alternative available.
You need to tell us your Nectar card number when you apply. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com.
Double Nectar Points 1. Offer only available to customers who buy a new Life Insurance, Decreasing Life Insurance (with or without Critical Illness) or Over 50s Life Insurance direct from Sainsbury’s Bank 2. You must continue to pay policy premiums for two years to continue collecting double points. 3. If the policy is cancelled, double points stop from the cancellation date. 4. Only the first Life Insurance, Decreasing Life Insurance (with or without Critical Illness) or Over 50s Life Insurance insurance policy registered against each Nectar account will qualify for double points.5. You collect base points when you shop as normal. Then, by the 10th of each month, we’ll give you a bonus equal to the total of the base points you collected the previous month while you held the policy, up to a maximum of 1,250 points. We’ll do this for up to 24 months from the start date of your policy. We won’t double any bonus points, any points from other offers, or points from Sainsbury’s Energy, Telecoms, Bank and all other Sainsbury’s services. 6. The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury's purchase and points will not be allocated retrospectively. 7. Nectar points are awarded to you by Sainsbury's Supermarkets Ltd. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com 8. Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice 9. No cash alternative available.
Sainsbury's Bank has worked in partnership with Life Insurance and Critical Illness Cover provider Legal & General since 2004 and we're proud of the service they offer.
There for you
If you need to make a claim on your Life and Critical Illness Cover policy you'll benefit from:
- UK based call centres – so your claim can be managed efficiently
- Single point of contact – a designated member of Legal & General's specialist team will manage your claim
- Compassion – claims staff have been trained by The Samaritans to offer exceptional levels of care and sympathy
- 24 hour help service – there for you when you need it
Improve your wellbeing
Once you've taken out a policy you can access Healthy Living, a clever online tool that allows you to monitor and improve your health over time.
This is not a savings or investment product and has no cash value unless a valid claim is made
It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor. More information can be found in the Policy Summary [PDF 147KB] this is an important document which you should read before applying.
Critical Illness Cover can only be purchased in conjunction with Life Insurance. Customers who take out a Life Insurance policy with Critical Illness Cover are entitled to double Nectar points as detailed below plus one points award and one colleague voucher.
Colleague offer. In addition to the current customer offer. Points issued four months after policy start date. Bonus Nectar Points are available to all J Sainsbury colleagues, Sainsbury's Bank colleagues and J Sainsbury veterans. Colleagues may be asked for proof of their employment status at any time during the application process. Offer only available to new Life Insurance customers. Colleagues cannot transfer from a current colleague promotion to this offer whilst retaining the same policy. If all conditions are met, points will be awarded 4 months after policy start date. If a payment is missed or the policy is cancelled within this period, points will not be paid. Legal & General reserve the right to cancel any policies should they suspect fraud or misconduct. Limited to 1 application per customer. This offer may be changed or withdrawn at any time. All online colleague applications must originate from sainsburysbank.co.uk/youchoose to ensure fulfilment of Nectar points.
The £70 worth of Nectar points offer is an introductory offer available to customers who purchase direct from Sainsbury’s Bank’s website or by phone a new Sainsbury's Bank Life Insurance plan, Decreasing Life Insurance plan (with or without Critical Illness) or Over 50s Life Insurance plan from 16 February 2017. 14,000 Nectar points, the equivalent of £70, will be automatically credited to your Nectar account after you have paid five months’ premiums, as long as your plan is still in force and no premiums are outstanding.
One set of Nectar points per plan sold, limited to two per household in a 12 month period. Legal & General reserves the right to cancel any plans should they suspect fraud or misconduct. Sainsbury's Bank reserves the right to withdraw or amend this offer at any time, without notice. No cash alternative available.
You need to tell us your Nectar card number when you apply. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com.
Double Nectar Points 1. Offer only available to customers who buy a new Life Insurance, Decreasing Life Insurance (with or without Critical Illness) or Over 50s Life Insurance direct from Sainsbury’s Bank 2. You must continue to pay policy premiums for two years to continue collecting double points. 3. If the policy is cancelled, double points stop from the cancellation date. 4. Only the first Life Insurance, Decreasing Life Insurance (with or without Critical Illness) or Over 50s Life Insurance insurance policy registered against each Nectar account will qualify for double points.5. You collect base points when you shop as normal. Then, by the 10th of each month, we’ll give you a bonus equal to the total of the base points you collected the previous month while you held the policy, up to a maximum of 1,250 points. We’ll do this for up to 24 months from the start date of your policy. We won’t double any bonus points, any points from other offers, or points from Sainsbury’s Energy, Telecoms, Bank and all other Sainsbury’s services. 6. The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury's purchase and points will not be allocated retrospectively. 7. Nectar points are awarded to you by Sainsbury's Supermarkets Ltd. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com 8. Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice 9. No cash alternative available.
Things you need to know
- Your cover will depend on your individual needs and circumstances and the premium you choose to pay
- This is not a savings or investment product and has no cash value unless a valid claim is made
- If you stop paying premiums before the end of your plan, your cover will end 30 days after your missed payment
- The policy will not pay out in some circumstances, for example if you don't truthfully give us all the information we ask for
- Not all forms of cancer are covered
- For more information please read the Policy Summary [PDF 147KB] document
It is your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor.
Life Insurance with Critical Illness Cover is provided by Legal & General Assurance Society Limited, Registered Office: One Coleman Street, London, EC2R 5AA (registered in England and Wales no. 166055). Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Sainsbury's Finance is a trading name of Sainsbury's Bank plc. Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc. Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register no. 184514).
Critical Illness Cover can only be purchased in conjunction with Life Insurance. Customers who take out a Life Insurance policy with Critical Illness Cover are entitled to double Nectar points as detailed below plus one points award and one colleague voucher.
Colleague offer. In addition to the current customer offer. Points issued four months after policy start date. Bonus Nectar Points are available to all J Sainsbury colleagues, Sainsbury's Bank colleagues and J Sainsbury veterans. Colleagues may be asked for proof of their employment status at any time during the application process. Offer only available to new Life Insurance customers. Colleagues cannot transfer from a current colleague promotion to this offer whilst retaining the same policy. If all conditions are met, points will be awarded 4 months after policy start date. If a payment is missed or the policy is cancelled within this period, points will not be paid. Legal & General reserve the right to cancel any policies should they suspect fraud or misconduct. Limited to 1 application per customer. This offer may be changed or withdrawn at any time. All online colleague applications must originate from sainsburysbank.co.uk/youchoose to ensure fulfilment of Nectar points.
The £70 worth of Nectar points offer is an introductory offer available to customers who purchase direct from Sainsbury’s Bank’s website or by phone a new Sainsbury's Bank Life Insurance plan, Decreasing Life Insurance plan (with or without Critical Illness) or Over 50s Life Insurance plan from 16 February 2017. 14,000 Nectar points, the equivalent of £70, will be automatically credited to your Nectar account after you have paid five months’ premiums, as long as your plan is still in force and no premiums are outstanding.
One set of Nectar points per plan sold, limited to two per household in a 12 month period. Legal & General reserves the right to cancel any plans should they suspect fraud or misconduct. Sainsbury's Bank reserves the right to withdraw or amend this offer at any time, without notice. No cash alternative available.
You need to tell us your Nectar card number when you apply. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com.
Double Nectar Points 1. Offer only available to customers who buy a new Life Insurance, Decreasing Life Insurance (with or without Critical Illness) or Over 50s Life Insurance direct from Sainsbury’s Bank 2. You must continue to pay policy premiums for two years to continue collecting double points. 3. If the policy is cancelled, double points stop from the cancellation date. 4. Only the first Life Insurance, Decreasing Life Insurance (with or without Critical Illness) or Over 50s Life Insurance insurance policy registered against each Nectar account will qualify for double points.5. You collect base points when you shop as normal. Then, by the 10th of each month, we’ll give you a bonus equal to the total of the base points you collected the previous month while you held the policy, up to a maximum of 1,250 points. We’ll do this for up to 24 months from the start date of your policy. We won’t double any bonus points, any points from other offers, or points from Sainsbury’s Energy, Telecoms, Bank and all other Sainsbury’s services. 6. The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury's purchase and points will not be allocated retrospectively. 7. Nectar points are awarded to you by Sainsbury's Supermarkets Ltd. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com 8. Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice 9. No cash alternative available.
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|---|
 Call 0345 266 1583 |
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