existing customers - over 50s life cover

There are a number of different ways you can inform us of your change of address:

online service

Once registered, you can login to our online service and change your address.

in writing

If you prefer to inform us in writing, please write to:

Engage Mutual Customer Service Department
Hornbeam Park Avenue
Harrogate
HG2 8XE

....and provide us with the following information: 

• name

• policy number(s)

• previous address details

• new address details 

• details of your children who have policies with us and are also affected by the change of address

by phone

Please call our UK based customer service team FREE on 0800 169 4321†

If you need to advise us of a change your name please write to:

Engage Mutual Customer Service Department
Hornbeam Park Avenue
Harrogate
HG2 8XE

... and enclose a copy of one of the following documents as appropriate:

• marriage certificate

• divorce documentation

• deed poll

• birth certificate

Please ensure the letter is signed with both your old and new signatures.

Please note that if a premium is not received within 60 days of it being due and you have not contacted us to make payment arrangements, your policy will be cancelled and your life cover will cease. The over 50s life cover plan has no cash in value and cannot be reinstated.

The time will come when your loved ones will need to make a claim.  It is important that they notify us of your death as soon as possible.  They can do this by either calling our UK based customer service team FREE on 0800 028 1112† or in writing to:

Claims Department
Engage Mutual
Hornbeam Park Avenue
Harrogate
HG2 8XE

To process the claim as quickly and efficiently as possible we will need to see the Death Certificate or a certified copy.  Once we have received this, we will send a claim form to the person(s) entitled to claim under the policy.  As soon as we have received the completed claim form together with any other documents requested, we will process and pay the claim as quickly as we can. All original documents will be returned.

Please make sure you retain the policy documents in a safe place and let your next of kin know where to find them.

We've included contact details for a range of organisations which may be useful to you:

General Register Office

For guidance on the registration of deaths in England & Wales.

Tel: 0151 471 4805

http://www.gro.gov.uk/content/deaths/index.asp

General Register Office for Scotland

For guidance on the registration of deaths in Scotland.

Tel: 0131 334 0380

http://www.gro-scotland.gov.uk/regscot/registering-a-death.html

General Register Office (Northern Ireland)

For guidance on the registration of deaths in Northern Ireland

Tel: 02890 252000

http://www.groni.gov.uk/

HM Revenue & Customs

For information on taxation and benefits.

Tel: 0845 302 0900

http://www.hmrc.gov.uk/individuals/index.shtml

Department for Work and Pensions

For help on State benefits.

Tel: 0845 60 60 265

http://www.dwp.gov.uk

Probate Office

For information on Grants of Representation and to apply.

Tel: 0845 302 0900

http://www.hmcourts-service.gov.uk/infoabout/civil/probate/index.htm

Co-Operative Legal Services

For free advice on how to deal with a bereavement.

Tel: 0800 093 0560

http://www.co-operative.coop/legalservices/probate

If a Power of Attorney or a Court of Protection Order has been granted then we need to receive the original, or a certified copy, of the Power of Attorney or Court of Protection document to:

Engage Mutual Customer Service Department
Hornbeam Park Avenue
Harrogate
HG2 8XE

We may require proof of identity of the individuals involved.  A list of common acceptable forms of identification can be found here.

For more information please feel free to call our UK based customer service team on 0800 169 4321†.

If you have assigned your policy please notify us of the details, including to whom and when it was assigned.  You can do this by calling our UK based customer services team FREE on 0800 169 4321† or writing to:

Engage Mutual Customer Service Department
Hornbeam Park Avenue
Harrogate
HG2 8XE 

We may require proof of identity of each of the assignees. A list of common acceptable forms of identification can be found here.  

Before you place a policy in trust you should seek professional advice.

Once the trust has been set up please send us the original, or a certified copy, of the Trust Document to:

Engage Mutual Customer Service Department
Hornbeam Park Avenue
Harrogate
HG2 8XE

We may require proof of identity of each of the Trustees. A list of common acceptable forms of identification can be found here.

For more information please feel free to call our UK based customer service team on 0800 169 4321†.

If you wish to close your over 50s life cover plan, please write, enclosing the original policy schedule to :

Engage Mutual Customer Service Department
Hornbeam Park Avenue
Harrogate
HG2 8XE

You should be aware that if you close your policy the plan has no cash in value, the life cover will cease and you will be unable to reinstate it at any point.

Your existing over 50s life cover is already helping you plan for the future, but did you know about the funeral funding option which is available as a FREE addition to your plan and could make the financial arrangements for your funeral much simpler?

We have teamed up with The Co-operative Funeralcare (the UK’s leading funeral provider), to allow you to arrange a payment to be made directly from your policy proceeds towards your funeral costs.  To do this you simply need to apply a Legal Charge to your policy, it costs you nothing, but it means that providing the policy has been in place for a minimum of 2 years, a payment will be made directly to the Funeral Director at the time of settling the funeral bill.  Please remember this is not a funeral plan and would not necessarily meet the full cost of a funeral 

If you do legally charge your policy to The Co-Operative Funeralcare they will make a £250 Contribution towards the cost of your funeral provided it is arranged through one of The Co-operative Funeralcare Funeral Homes, another participating Co-operative Society or an affiliated Funeral Director. 

Full details about this option can be found on the funeral funding option pages.

This service aims to make writing your will as simple and straightforward as possible. A will is a legal document which gives you complete control over what happens after you die and guarantees you leave exactly what you want to exactly who you want. Essentially it means peace of mind for you and protection for your loved ones.

The Co-operative Legal Services Will Writing Service includes:

• free advice on writing your will or rewriting your will if you already have one.

• free advice and support for Executors on probate and estate administration.

• free advice if you wish to appoint someone else to manage your affairs on your behalf while you are still alive.

• free advice on how to put plans in place in case you become seriously unwell, or physically or mentally disabled.

Their dedicated will writing experts are available by phone for maximum convenience. Fees are fixed and are confirmed before drafting of your Will commences.

For more advice then please contact The Co-operative Legal Services on 0800 093 1936 between 8am to 8pm Monday to Thursday, 8am to 6pm Fridays and 9am to 1pm Saturdays.

This service provides you and your family with access to legal advice in the event of a family bereavement. During what can be a difficult time, we find many people are unsure of just what to do. In such circumstances it can be useful to talk to someone who can provide sympathetic and confidential advice on what practical steps need to be taken now, and also advice on the legal, tax and administrative matters that arise under such circumstances.

The Co-operative Legal Services can provide you with confidential advice on a range of legal matters including registration of death, tax implications and the completions of forms. They are one of the country’s leading providers of legal advice and assistance and their ethical approach in dealing with customers ensures that you will be helped through this emotional and stressful time.

You can contact the Co-operative Legal Services on 0800 093 0560 between 9am to 8pm Monday to Thursday, 9am to 6pm Fridays and 9am to 1pm Saturdays.

This service gives Engage Mutual customers access to advice about choice of care, including care at home, sheltered accommodation, convalescent care and long-term residential care, should the need arise for yourself or a loved one.

The service is available to both the customer and the customer’s family. You will be able to talk directly to a Grace Consulting care adviser, who will be expert in delivering independent advice about care options of all kinds for elderly people and those requiring care as a result of injury or long-term illness.

You have access to the Grace Care Guidance service which will give you the help and guidance you need on any care issues and advise you how to source appropriate care for yourself or any member of your family.

Should the time come when you need to use this service then you can call the number below to make a telephone appointment. A Grace Care Adviser will call you back at a prearranged time to discuss your situation. The Adviser will answer any questions you may have and give you general guidance towards finding the best solution. The Adviser will report to you in writing as appropriate with relevant fact sheets and other information, which will act as an excellent first step to finding care.

You can contact Grace Consulting on 01483 209610 between 9am - 5pm Monday to Friday.