22. Key terms
Dressing - The ability to independently put on or take off
accident
Injury caused by violent, accidental, external and visible means.
all garments, including the securing and unfastening
thereof. Where appropriate, this includes any braces, prosthesis or other surgical appliance. Feeding / eating - The ability to eat independently once food has been prepared and made available. Continence - The ability to manage bowel and bladder functions such that an adequate level of personal hygiene can be maintained. Mobility - The ability to move independently between indoor rooms on a level surface with the assistance of a walking aid, including a wheelchair. Transferring - The ability to independently transfer from the bed to a chair with the assistance of a walking aid. Any biological child/children, adopted child/children or child/children under the legal guardianship of:
accidental death
Death which is the result of external or internal bodily injury caused directly by violent external visible means, not attributable to any other event. Either an Adviser with a current financial adviser agreement with Sovereign Services Limited or a member of a financial services industry body approved by Sovereign. The total and irreversible disablement of the life assured with the effect that he or she is unable to perform without the physical assistance of someone else, at least one of the following activities for himself or herself (if the life assured can perform the activity on his or her own by using special equipment Sovereign will treat the life assured as being able to perform that activity):
accredited Adviser
activities of daily living
child/children
Bathing and showering;
a life assured ; or
Dressing and undressing;
the spouse, civil or de facto partner of a life assured .
Eating and drinking;
Using a toilet;
A relative who is the life assured 's spouse, civil or de factor partner, mother, father, step mother, step father, brother, sister, step brother, step sister, child, grandfather or grandmother. A treatment, illness, surgical procedure or event, as specified in this appendix , which meets the specified definition.
close relative
Moving from place to place by walking, in a wheelchair, or with a walking aid.
annual salary
Regular remuneration that is subject to PAYE, excluding allowances in lieu of non- monetary remuneration and extra income such as, but not limited to, bonuses and overtime payments. A medically qualified carer, or caring full time for a person who would need hospital, rest home or residential care. Washing - The ability to wash oneself without physical assistance or supervision. This includes transferring in and out of the bath or shower.
condition(s)
A health anomaly or defect, regardless of whether diagnosed or not:
congenital condition
appropriate carer
which is present at birth; and
basic activity of daily living
for which the individual had signs or symptoms within three months of birth.
Includes health anomalies or
852 TCB-LAC version 19 Effective 12 May 2026
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