Cash values must be claimed by the policy holder, who should return the policy document and give precise instructions as to where, how and in which currency funds should be paid.

Benefits in the event of death must be claimed by the beneficiaries, who should return the original policy and an official death certificate. Funds will then be paid as per the beneficiaries' instructions.

Annuity payments will be made as per the instructions given in your application form. Funds can be sent in any convertible currency either by check to your home address or by bank transfer. Payment instructions can be altered at any time.