HELLO

This document contains the information you need to know about your Cancer Cover insurance. The Cancer Cover Rules together with the information you provided during application (Cancer Cover Truths) - forms the Cancer Cover Agreement

You should read this document carefully to make sure our Cancer Cover product meets your needs. We know there are a lot of words in here - we’ve tried to make it really easy to understand, but if you get stuck, please just give us a shout (or send an email to help@deadhappy.com).

Policies are arranged and administered by Dead Happy Ltd on behalf of Shepherds Friendly (the Insurer). DeadHappy is a trading name of DeadHappy Ltd, authorised and regulated by the Financial Conduct Authority, number 788583.  Registered Office: Unit 1, Creative Mill, 64 Mansfield Street, Leicester, England LE1 3DL Registered in England & Wales, number 628324.

BEING DEAD HAPPY

The purpose of this document is to:

• Help you decide if our cancer cover is right for you.

• Help you understand how our life insurance works, and what you’ll be buying.

• Not bore you to death.

This document doesn’t cover all the rules associated with our cancer cover. If you want to send yourself to sleep, you can find them here in your Cancer Cover Rules. 

What is Cancer Cover?

Traditional critical illness products cover several nasty illnesses but nearly two thirds of full payment Critical Illness claims are made for cancer alone. With that in mind and given that 1 in 2 people will develop some form of cancer during their lifetime, we decided to simplify things and get straight to the point. A plan which provides you with a payout if you’re unlucky enough to be diagnosed with cancer.

Designed to provide a cash payment to help support you during treatment; we hope it will allow you to focus on your recovery instead of worrying about money. A payout could help if time off work was necessary, or it could be put towards additional childcare, travel, or health support costs. 

Why do I need cancer cover?

You don’t, but you might however want it. Admittedly this is a subtle nuance of two words, but we feel it’s a very important one to understand when it comes to our motivations as a business.

We aren’t in the business of selling insurance. We’re in the business of helping our customers prepare for unforeseen circumstances by removing money worries at times when your attention is needed elsewhere.

The point we’re trying to make is that if you feel you need cancer cover, this might not be the right place for you. If, however, you've decided you want cancer cover…. then welcome to DeadHappy, it’s lovely to meet you.

HOW IT WORKS

Spoiler alert: bad things sometimes happen to good people. Life is the ultimate contradiction, it can be incredibly resilient, while being surprisingly fragile.

When you apply for our life insurance product, we’ll decide whether to offer you the option of applying for cancer cover.  

Based on the payout amount, we’ll tell you how much it will cost. Then you can accept and pay, accept just life insurance, or you can simply walk away. The choice is yours.

The agreement

Put simply, if you are diagnosed with cancer, we may pay up to 100% of your cancer cover amount depending on the specific diagnosis. 

It’s all about the guarantee

Your Cancer Cover is linked to your life insurance which comes with a 10-year guarantee. This is a 10-year one-way commitment from us to honour the agreement we have with you. So, no matter what life throws at you in the next 10 years, you will continue to have cover.

What does one-way commitment mean?

In essence it means you don’t have to agree to the same commitment, and you are therefore free to cancel anytime with no fees or penalties incurred.

What could life throw at me?

Other than lemons, rain, and the occasional curve ball, life can be tragic and brutal. It has a full range of objects at its disposal ranging from accidental events to very nasty illnesses. Life is not bothered by either consequence or bias, and unfortunately… that’s life.

Why only 10 years? Can I have longer?

You can and you can’t.

The maximum length of your guarantee will only ever be 10 years. Every year the guarantee gets reduced, so at the end of your first year, you’ll have a 9-year guarantee, at the end of your second, you’ll have an 8-year guarantee) The guaranteed bit refers to how long we guarantee to keep you insured even if you get diagnosed with an illness.

Provided you have not claimed on your Cancer Cover, every year, we’ll give you the opportunity to reset your guarantee for free. This way you can start each year with a full 10 years to fall back on in case something does happen to your health. We call this a ‘reset’.

THE MOMENT OF TRUTH

Who can make a claim and how do they do it? 

If you are diagnosed with cancer by a consultant oncologist, with histological evidence confirming the diagnosis meets our claim criteria, then you, a friend or a family member can start a claim by either emailing us at help@deadhappy.com, or by clicking the live chat button on our website, or by calling us on 0116 350 0134.

We will ask for your name, date of birth, and address. Someone from DeadHappy will let you or the person making the claim know if we need anything else.

What information is needed to payout?

Firstly, we’ll need to know your name, date of birth, and address to check if your Cancer Cover is valid.

The Insurer will need to ask for medical information from your consultant or GP, so it’s super important that you check and ensure you give us correct and accurate information during your application, otherwise the payout amount might have to be reduced, or in some cases your Cancer Cover might have to be cancelled. A situation neither of us want.

If you are living or working outside the UK and you want to make a claim for Cancer Cover, the Insurer might need you to return to one of the countries listed below:

• Australia 

• Austria 

•  Belgium 

• Bulgaria 

• Canada 

• Channel Islands 

• Cyprus 

• Czech Republic 

• Denmark 

• Estonia 

• Finland 

• France 

• Germany 

• Gibraltar 

• Greece 

• Hong Kong 

• Hungary 

• Iceland 

• Ireland 

• Isle of Man 

• Italy 

• Japan

• Latvia 

• Liechtenstein 

• Lithuania 

• Luxembourg 

• Malta 

• New Zealand 

• Norway 

• Poland 

• Portugal 

• Slovakia 

• Slovenia 

• South Africa 

• Spain 

• Sweden

• Switzerland 

• The Netherlands 

• US

• UK

The Insurer will consider medical information from other countries if, in their assessment, the information is comprehensive enough and of a sufficient standard to properly assess the claim.  

When the Insurer won’t payout?

The Insurer won’t payout on your Cancer Cover if:

• the diagnosis has not been made by a consultant oncologist or is not supported by histological confirmation.

• the diagnosis is pre-cancerous, such as intraepithelial neoplasia Grade 1 or 2, or low-grade intraepithelial lesions.

• if you die before making a claim and the cause of death is not cancer (this does not affect your right to claim on your life insurance).

• you didn’t give accurate and honest answers to the questions we asked when you took out the Cancer Cover

• you give us the wrong information or withhold information from us at any time.

• you do not keep up your payments and miss a payment for more than 30 days.

Please note: our Cancer Cover has no cash value, and the Insurer won’t payout if you reach the end of the Cancer Cover insurance without making a claim.

THE DEVIL & THE DETAIL

How much will the Insurer payout? 

Details of your cover amount can be found in the Cancer Cover Agreement.

• The minimum cover amount is £400.

• The maximum cover amount is £150,000. (This applies even if you have multiple policies).

THE 3 TIERS

The exact payout is dependent on the type of cancer you are diagnosed with. We have grouped the different types of cancers into 3 'Tiers’ based on their severity. If you’re making a claim, you’ll need to check which tier your cancer diagnosis falls under to determine which level of benefit you may be entitled to:

Tier 1 – 100% Benefit

You will receive up to 100% of your cover amount and your policy will end. 

Tier 1 benefit is payable upon diagnosis of:

• Cancer, characterised by uncontrolled growth of malignant cells and invasion of tissue, originating in one of the sites named in the diagram below; or

• A blood or bone marrow cancer listed in the diagram below; or

• Stage 4 cancer or metastatic disease, regardless of origin site.

Tier 2 – 50% Benefit

You will receive up to 50% of your cover amount and your policy will continue.

Tier 2 benefit is payable upon diagnosis of:

• Cancer, characterised by uncontrolled growth of malignant cells and invasion of tissue, originating in one of the sites named in the diagram below; or

• A blood or bone marrow cancer listed in the diagram below; or

• A listed skin cancer.

Tier 3 – 20% Benefit

You will receive up to 20% of your cover amount and your policy will continue. 

Tier 3 benefit is payable on diagnosis of:

• Cancer in situ of any of the sites named in Tiers 1 & 2

  • apart from the skin

• Cancer of the Prostate

  • with clinical classification between T1N0M0 and T2aN0M0

• Neuroendocrine Tumour (NET) classified as Grade 1, or Gastrointestinal Stromal Tumour (GIST) classified as having a very low or low risk of progression or as Stage I, originating in any of the named sites in Tiers 1 & 2 

• Cutaneous Lymphoma

• Non-Melanoma skin cancer, where the tumour is larger than 2cm across and:

  • Is at least 4mm thick; or

  • Has recurred despite previous treatments; or

  • Has invaded into the nerves of the skin or subcutaneous tissue.

Multiple Claims

Where multiple claims are made the following limitations apply:

• The maximum total amount the Insurer will pay throughout the lifetime of the policy is 100% of your cover amount.

• If you have successfully claimed in the past, the payout for any subsequent eligible claim(s) is the minimum of the respective benefit in that tier and your remaining benefit.

  • For example, if you have already claimed 50% of your cover amount, a subsequent tier 1 claim will only pay 50% of your original cover amount.

• If you claim for a Tier 2 or 3 cancer, and later find you are eligible for a higher Tier payment, the Insurer will pay the balance of the claim paid and the revised eligible claim.

  • For example, if you were diagnosed with breast cancer and received a 50% payout, and the diagnosis was later confirmed to be Stage 4 or Metastatic, you would receive the additional 50% payout.

You can only make one claim per eligible diagnosis. The Insurer will only provide an additional payout if the diagnosis is confirmed to meet the criteria of a higher tier.

Please remember, if the cost of living goes up in the future, your cover amount may not go as far as you hoped it would, so you should regularly check if the cover amount still meets your needs. 

Why does the monthly cost increase every year?

Every year alive is one closer to death. That’s why the cost of your cover increases slightly every year on the policy anniversary; because you’re one year older, not because of any claims you may have made for a Tier 2 or 3 cancer.

We think paying for who you are now is better than paying up-front for the wrinkly weirdo you might become in 20 years. 

How long will the Cancer Cover insurance last?

Your Cancer Cover is linked to your life insurance which comes with a 10-year guarantee. The guaranteed bit refers to how long we guarantee to keep you insured even if you get diagnosed with an illness. However, provided you haven’t made a claim, every year, you’ll also get the option of resetting the guarantee back to 10 years (subject to a few health and lifestyle questions) - this is known as a ‘reset’.

Your cover will come to an end:

• When your guarantee ends (as shown in your Cancer Cover and Life Insurance Agreements); or

• If you die; or

• If claims amounting to 100% of your cover amount are paid as a result of one or more cancer diagnoses; or

• if the life insurance this Cancer Cover is attached to is cancelled (by you or us); or

• if you stop paying; or

• if the Cancer Cover is cancelled (by you or us).

You can cancel your Cancer Cover without affecting your life insurance, but you will not be able to sign up again in the future.

Is there an age limit?

You need to be between 18 and 60 to take out Cancer Cover or life insurance with us. As the maximum age is 70, you won’t be able to reset your guarantee after the age of 60.

Does it matter where I live?

You need to be a UK resident and have lived in the UK for the last 12 months.

Who gets the payout?

• You, and only you.

• If you die before your claim is paid and you have a will, then your payout will go to the executors/(s) who will distribute it as specified in your will.

For more information on intestacy laws see https://www.gov.uk/inherits-someone-dies-without-will

Will my payout be taxed?

Your payout is usually free of all UK income tax. However, most lump sums will count towards your savings. This might affect any means tested benefits you receive.

If you live outside the UK when you come to make a claim, the taxes of the country of residence could apply to the payout amount.

JUST THE DETAIL

The information you give us

The information you provided us during the application will be sent to you at the same time as the Cancer Cover agreement. If any of this information is not correct, you must immediately inform DeadHappy of the correct information as this could affect your payout.

If you, or anyone acting on your behalf, intentionally or recklessly provided false information that you or they knew to be untrue or misleading, the Insurer reserves the right to cancel the Cancer Cover and the attached life insurance plan, with no refund of premiums. 

If you, or anyone acting on your behalf provided details that were inaccurate or incomplete through carelessness or by mistake, the Insurer reserves the right to adjust or cancel the Cancer Cover and attached life insurance policy. This could mean we:

• Cancel the Cancer Cover, and possibly your life insurance policy, with a refund of the premiums paid; or 

• Reduce the Cancer Cover payout amount, and possibly reduce the payout of your life insurance policy, to reflect the higher monthly cost that would have applied had accurate information been known; or

• Make changes to the Cancer Cover policy, and possibly the attached life insurance policy, to reflect the terms and conditions that would have applied had accurate information been known.

The Insurer will not pay any claim if they consider it fraudulent. If the Insurer has already made a payment to you, they may look to reclaim that payment and not pay anything further.

How do I change my Cancer Cover insurance?

Changes to your account details (e.g., payment details, email address etc) can be made by logging into your account at deadhappy.com.

For any other changes please email help@deadhappy.com 

How do I cancel my Cancer Cover?

You can cancel your Cancer Cover at any time. There are no fees or penalties, and your life insurance will not be affected. Just log in to your account at deadhappy.com to cancel, or email help@deadhappy.com

Please remember:

• If you cancel your Cancer Cover within the first 30 days, then it will end immediately, and a full refund will be given.

• If you cancel after the first 30 days, no refund will be given. Instead, your Cancer Cover will end at the next payment date and no further payments will be taken.

• You can’t make a claim once your Cancer Cover has been cancelled.

• You can’t reinstate your Cancer Cover once it’s been cancelled. 

Can you cancel my Cancer Cover?

We can only cancel your Cancer Cover:

• if you haven’t paid all the monthly payments due; or

• as a result of you providing us with incorrect information.

What happens if I move abroad?

If you move abroad, you need to consider whether the life insurance this plan is attached to still meets your needs. All payments will need to continue to be paid from a bank or building society in the UK.

We recommend that you obtain independent advice regarding the life insurance to which this Cancer Cover plan is attached about the tax consequences of changing your country of residence. We are not responsible for any adverse tax consequences that may arise in respect of the Cancer Cover and the life insurance it is attached to; and/or any claim payments because of you changing their country of residence.

If a payout is made outside the UK, then arrangements for such transfers must be made at your own expense.

If you move to another country outside the UK, the life insurance may no longer be suitable for your needs. UK laws or the local laws and regulations of the country to which you move may impact your ability to continue to keep your life insurance and this Cancer Cover active in line with our rules.

IF YOU GOT A PROBLEM?

Yo, we’ll solve it.

If you’re not happy, we’re not happy. If you have any issues or concerns about the service you’ve received around the administration of your Cancer Cover, please email us at help@deadhappy.com or click on the live chat button on our website and we will do our very best to help get things resolved.

If after submitting a claim you have a problem, please contact Shepherds Friendly by calling 0800 526 249 or writing to: Haw Bank House, High Street, Cheadle, Cheshire, SK8 1AL. Alternatively you can email deadhappycomplaints@shepherdsfriendly.co.uk 

If you're still not happy, you can refer your complaint to the Financial Ombudsman Service (your legal rights are not affected). For more details you can visit their website at www.financial-ombudsman.org.uk 

LEGAL GUMPH

Who are we?

Life insurance and Cancer Cover are provided and administered by DeadHappy Ltd and underwritten with claims administered by Shepherds Friendly.

DeadHappy

DeadHappy is a trading name of DeadHappy Ltd, authorised and regulated by the Financial Conduct Authority, number 788583.  Registered Office: Unit 1, Creative Mill, 64 Mansfield Street, Leicester, England LE1 3DL Registered in England & Wales, number 628324.

Shepherds Friendly

Shepherds Friendly is a trading name of The Shepherds Friendly Society Limited which is an incorporated Friendly Society under the 1992 Friendly Societies Act No. 240F. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. FS Registration Number 109997.

What we do

DeadHappy is an insurance intermediary whose permitted business is providing & arranging insurance contracts. DeadHappy will set up and manage your Cancer Cover, take payments, issue your documents, and deal with any queries you might have.

Cancer Cover is underwritten by Shepherds Friendly who also administer claims.

What we don’t do

We won’t give you any recommendation or advice (we can’t; we’re not legally allowed to). But we will give you all the information you need to make a decision about whether our Cancer Cover is suitable for your needs.

What fees do we charge?

None. We’ll arrange your life insurance and Cancer Cover and don’t charge a fee for doing this. Instead, the Insurer pays us a commission for setting up the life insurance and Cancer Cover.

Your information

To be able to provide you with Cancer Cover, we need to know certain things about you.

Legal people call this ‘data’, and no matter what anyone says… it’s yours.

How do I know if I can trust DeadHappy with my data?

We’re deadly serious when it comes to data, and we protect it as if our lives are dependent on it.

If that doesn’t cut it full details of what we collect and how we process data along with your data protection rights, can be found at https://legal.deadhappy.com/terms/your-privacy

How do I know if I can trust Shepherds Friendly with my data?

Shepherds Friendly will also be a data controller in respect of any data it processes in relation to the underwriting of the life insurance and management of any claims. For full details and information about the data collected from you, the purposes for which it is collected, how Shepherds Friendly use it, and who Shepherds Friendly share it with please refer to Shepherds Friendly’s privacy notice which can be found online here: www.shepherdsfriendly.co.uk/privacy-policy

You can contact the Data Protection Officer at Shepherds Friendly by writing to Shepherds Friendly Society Limited, Haw Bank House, High Street, Cheadle, Cheshire, SK8 1AL or email:dataprotection@shepherdsfriendly.co.uk

What does that mean?

guarantee

means the duration of the Cancer Cover. This is usually described in years, and sometimes months.

cover amount

means the total amount of money the Insurer will payout across one or multiple eligible claims. Other insurance providers sometimes refer to this as “cover”.

payout

means the amount of money the Insurer will payout in the event of a single eligible claim. 

cancer cover agreement

means the document which shows the personalised features of your cover which make up part of your Cancer Cover.

cancer cover truths

your answers to our health and lifestyle questions

Insurer

Shepherds Friendly

lump sum

a lump sum is any one-off payment you receive. This can be any amount of money.

monthly cost

means the monthly amount you need to pay us for providing your cover. Other insurance providers sometimes call this a “premium”.

reset

the opportunity to reset your guarantee and roll it back to the original 10 years.

uk

means England, Scotland, Northern Ireland, and Wales.

uk resident

means you need to have lived in the UK for the last 12 months, when you take out Cancer Cover with us, as either a citizen of the UK or a person who has been granted permission to permanently settle in the UK.

we, us or our

means DeadHappy.

you or your

means the owner of the Cancer Cover.