Before you sign up, you may be given a ‘key features’ document. It’s important to make sure that you read it carefully and understand it. It tells you:

• What the plan is designed to do.
• What you have to do (for example, information about the premiums you have to pay).
• What the costs and charges are (where applicable).
• What your rights are.
• Taxation details.
• Who to contact if you have any queries.

If you have any queries, you should make sure you get answers.