This benefit may be added to any Group Scheme, the following will apply:

• TBFS, via a Service Provider, will provide a 24-hour legal advice line.
• Communication by way of:
  • Telephone
  • E-mail
  • Fax
  • Post
• The matter must relate to a personal matter of the Insured and not be of a commercial nature or relating to any profession or trade.
• Services available from date of first premium payment.