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	<branch id="Shortened Tele-Interview (Express Underwriting) Application Forms">
		<branchText>Shortened Tele-Interview (Express Underwriting) Application Forms</branchText>
		<leaf>
			<leafText>AEGON</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\AEG LT Prop-Exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Ageas Protect</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\AGS LT Prop-Exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Aviva</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\NU LT Prop-Exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Bright Grey</leafText>
			<link>/cdrom/KFDocsProps/CIOnlyOptions/LevelCIOnly/BGE%20Level%20CI%20Prop-exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Bright Grey Lifestyle</leafText>
			<link>/cdrom/KFDocsProps/LTOptions/LT/BLG LT Prop-Exp.pdf</link>
		</leaf>
		<!--<leaf>
		<leafText>Bupa Individual Protection</leafText>
		<link>/cdrom\KFDocsProps\LTOptions\LT\BUPA IP LT Prop-exp.pdf</link>
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		<leaf>
			<leafText>Friends Life Individual Protection</leafText>
			<link>/cdrom/KFDocsProps/CIOnlyOptions/LevelCIOnly/FRL%20IP%20Level%20CI%20Prop-exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Friends Provident</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\FPI LT Prop-Exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Legal &amp; General</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\LandG LT Prop-Exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Liverpool Victoria</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\LV LT Prop-Exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Pioneer</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\PioneerProp-Exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Exeter Family Friendly</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\ExeterProp-Exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Pru Protect</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\PRU LT Prop-Exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Scottish Provident</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\SCP LT Prop-Exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Unum</leafText>
			<link>/cdrom\KFDocsProps\IncomeProtection\UNM-IncomeProtection-Prop-Exp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Zurich</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\ZUR LT Prop-Exp.pdf</link>
		</leaf>
	</branch>
	<branch id="Full Insurer Paper Application Forms">
		<branchText>Full Insurer Paper Application Forms</branchText>
		<leaf>
			<leafText>AEGON</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\AEG LT Prop.pdf</link>
		</leaf>
		<leaf>
			<leafText>Ageas Protect</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\AGS LT Prop.pdf</link>
		</leaf>
		<leaf>
			<leafText>Aviva</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\NU LT Prop.pdf</link>
		</leaf>
		<!--<leaf>
	<leafText>AXA</leafText>
	<link>/cdrom\KFDocsProps\LTOptions\LT\AXA LT prop.pdf</link>
</leaf>-->
		<leaf>
			<leafText>Bright Grey</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\bge LT prop.pdf</link>
		</leaf>
		<leaf>
			<leafText>Bright Grey Lifestyle</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\blg LT prop.pdf</link>
		</leaf>
		<!--<leaf>
	<leafText>Bupa Individual Protection</leafText>
	<link>/cdrom\KFDocsProps\LTOptions\LT\BUPA IP LT Prop.pdf</link>
</leaf>-->
		<leaf>
			<leafText>Friends Life Individual Protection</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\FRL LT prop.pdf</link>
		</leaf>
		<leaf>
			<leafText>Legal &amp; General</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\LandG LT LQ Prop.pdf</link>
		</leaf>
		<leaf>
			<leafText>Liverpool Victoria</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\LV LT prop.pdf</link>
		</leaf>
		<leaf>
			<leafText>LV= LI</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\LV LT prop.pdf</link>
		</leaf>
		<leaf>
			<leafText>Pioneer</leafText>
			<link>/cdrom\KFDocsProps\DIBOptions\PioneerPIPProp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Exeter Family Friendly</leafText>
			<link>/cdrom\KFDocsProps\DIBOptions\ExeterPIPProp.pdf</link>
		</leaf>
		<leaf>
			<leafText>Pru Protect</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\PRU LT Prop.pdf</link>
		</leaf>
		<leaf>
			<leafText>Scottish Provident</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\SCP LT Prop.pdf</link>
		</leaf>
		<leaf>
			<leafText>Unum</leafText>
			<link>/cdrom\KFDocsProps\IncomeProtection\UNM-Prop.pdf</link>
		</leaf>
		<leaf>
			<leafText>Zurich</leafText>
			<link>/cdrom\KFDocsProps\LTOptions\LT\ZUR LT Prop.pdf</link>
		</leaf>
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	<branch id="Key Facts Documents">
		<branchText>Key Facts Documents</branchText>
		<branch id="AEGON Key Facts Documents">
			<branchText>AEGON Key Facts Documents</branchText>
			<leaf>
				<leafText>Family Income Benefit KFD</leafText>
				<link>/cdrom\KFDocsProps\FIBOptions\AEG-KFD-FIB.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\AEG LT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LTandCI\AEG LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\AEG MP KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\AEG MPandCI KFD.pdf</link>
			</leaf>
		</branch>
		<branch id="Ageas Protect Key Facts Documents">
			<branchText>Ageas Protect Key Facts Documents</branchText>
			<leaf>
				<leafText>Family income Benefit KFD</leafText>
				<link>/cdrom\KFDocsProps\FIBOptions\AGS-KFD-FIB.pdf</link>
			</leaf>
			<leaf>
				<leafText>Index Linked Critical Illness KFD</leafText>
				<link>/cdrom/KFDocsProps/CIOnlyOptions/IdxLinkCIOnly/AGS%20IdxLink%20CI%20KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Index Linked Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\IdxLinkOptions\IdxLinkTerm\AGS INDXLT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Index Linked Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\IdxLinkOptions\IdxLinkTermWithCI\AGS IdxLink LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Income Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\DIBOptions\AGSDIBKFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\AGS LT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LTandCI\AGS LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term Critical Illness KFD</leafText>
				<link>/cdrom/KFDocsProps/CIOnlyOptions/LevelCIOnly/AGS%20Level%20CI%20KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\AGS MP KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\AGS MPandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Reducing Critical Illness KFD</leafText>
				<link>/cdrom/KFDocsProps/CIOnlyOptions/ReducingCIOnly/AGS%20Reducing%20CI%20KFD.pdf</link>
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		<branch id="Aviva Key Facts Documents">
			<branchText>Aviva Key Facts Documents</branchText>
			<leaf>
				<leafText>Level Term Critical Illness KFD</leafText>
				<link>/cdrom/KFDocsProps/CIOnlyOptions/LevelCIOnly/NU%20Level%20CI%20KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\NU LT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LTandCI\NU LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\NU MP KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\NU MPandCI KFD.pdf</link>
			</leaf>
		</branch>
		<branch id="Bright Grey Key Facts Documents">
			<branchText>Bright Grey Key Facts Documents</branchText>
			<leaf>
				<leafText>Level Term Critical Illness KFD</leafText>
				<link>/cdrom/KFDocsProps/CIOnlyOptions/LevelCIOnly/BGE%20Level%20CI%20KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Family Income Benefit KFD</leafText>
				<link>/cdrom\KFDocsProps\FIBOptions\BGE-KFD-FIB.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\bge LT kfd.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LTandCI\BGE LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\bge MP kfd.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\bge MPandCI kfd.pdf</link>
			</leaf>
		</branch>
		<branch id="Bright Grey Lifestyle Key Facts Documents">
			<branchText>Bright Grey Lifestyle Key Facts Documents</branchText>
			<leaf>
				<leafText>Index Linked Term KFD</leafText>
				<link>/cdrom\KFDocsProps\IdxLinkOptions\IdxLinkTerm\BLG INDXLT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Index Linked Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\IdxLinkOptions\IdxLinkTermWithCI\BLG IdxLink LTandCI KFD.pdf</link>
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			<leaf>
				<leafText>Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\blg LT kfd.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LTandCI\BLG LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\blg MP kfd.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\blg MPandCI kfd.pdf</link>
			</leaf>
		</branch>
		<!--<branch id="Bupa Individual Protection Key Facts Documents">
	<branchText>Bupa Individual Protection Key Facts Documents</branchText>
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		<leafText>Level Term Critical Illness KFD</leafText>
		<link>/cdrom/KFDocsProps/CIOnlyOptions/LevelCIOnly/BUPA%20IP%20Level%20CI%20KFD.pdf</link>
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	<leaf>
		<leafText>Reducing Critical Illness KFD</leafText>
		<link>/cdrom/KFDocsProps/CIOnlyOptions/ReducingCIOnly/BUPA%20IP%20Reducing%20CI%20KFD.pdf</link>
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	<leaf>
		<leafText>Family Income Benefit KFD</leafText>
		<link>/cdrom\KFDocsProps\FIBOptions\BUPA IP-KFD-FIB.pdf</link>
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		<leafText>Indexed Linked Level Term KFD</leafText>
		<link>/cdrom\KFDocsProps\IdxLinkOptions\IdxLinkTerm\BUPA IP INDXLT KFD.pdf</link>
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		<leafText>Indexed Linked Level Term and Critical Illness KFD</leafText>
		<link>/cdrom\KFDocsProps\IdxLinkOptions\IdxLinkTermWithCI\BUPA IP IdxLink LTandCI KFD.pdf</link>
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	<leaf>
		<leafText>Level Term KFD</leafText>
		<link>/cdrom\KFDocsProps\LTOptions\LT\BUPA IP LT KFD.pdf</link>
	</leaf>
	<leaf>
		<leafText>Level Term and Critical Illness KFD</leafText>
		<link>/cdrom\KFDocsProps\LTOptions\LTandCI\BUPA IP LTandCI KFD.pdf</link>
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	<leaf>
		<leafText>Mortgage Protection KFD</leafText>
		<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\BUPA IP MP KFD.pdf</link>
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	<leaf>
		<leafText>Mortgage Protection and Critical Illness KFD</leafText>
		<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\BUPA IP MPandCI KFD.pdf</link>
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	<leaf>
		<leafText>Income Protection KFD</leafText>
		<link>/cdrom\KFDocsProps\IncomeProtection\BUPA IP-IP-KFD.pdf</link>
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		<branch id="Friends Life Individual Protection Key Facts Documents">
			<branchText>Friends Life Individual Protection Key Facts Documents</branchText>
			<leaf>
				<leafText>Level Term Critical Illness KFD</leafText>
				<link>/cdrom/KFDocsProps/CIOnlyOptions/LevelCIOnly/FRL%20IP%20Level%20CI%20KFD.pdf</link>
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			<leaf>
				<leafText>Reducing Critical Illness KFD</leafText>
				<link>/cdrom/KFDocsProps/CIOnlyOptions/ReducingCIOnly/FRL%20IP%20Reducing%20CI%20KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Indexed Linked Critical Illness KFD</leafText>
				<link>/cdrom/KFDocsProps/CIOnlyOptions/IdxLinkCIOnly/FRL%20IP%20IdxLink%20CI%20KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Income Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\IncomeProtection\FRL IP-IP-KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Indexed Linked Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\IdxLinkOptions\IdxLinkTerm\FRL IP INDXLT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Indexed Linked Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\IdxLinkOptions\IdxLinkTermWithCI\FRL IP IdxLink LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\FRL IP LT kfd.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LTandCI\FRL IP LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\FRL IP MP KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\FRL IP MPandCI KFD.pdf</link>
			</leaf>
		</branch>
		<branch id="Friends Provident Key Facts Documents">
			<branchText>Friends Provident Key Facts Documents</branchText>
			<leaf>
				<leafText>Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\FPI LT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LTandCI\FPI LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\FPI MP KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\FPI MPandCI KFD.pdf</link>
			</leaf>
		</branch>
		<branch id="Legal and General Key Facts Documents">
			<branchText>Legal and General Key Facts Documents</branchText>
			<leaf>
				<leafText>Family Income Benefit KFD</leafText>
				<link>/cdrom\KFDocsProps\FIBOptions\LandG-KFD-FIB.pdf</link>
			</leaf>
			<leaf>
				<leafText>Income Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\IncomeProtection\L&amp;G-KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Index Linked Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\IdxLinkOptions\IdxLinkTerm\LandG INDXLT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\LandG LT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LTandCI\LandG LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\LandG MP KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\LandG MPandCI KFD.pdf</link>
			</leaf>
		</branch>
		<branch id="Liverpool Victoria Key Facts Documents">
			<branchText>Liverpool Victoria Key Facts Documents</branchText>
			<leaf>
				<leafText>Income Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\IncomeProtection\LV-KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\LV LT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LTandCI\LV LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\LV MP KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\LV MPandCI KFD.pdf</link>
			</leaf>
		</branch>
		<branch id="Pioneer Key Facts Documents">
			<branchText>Pioneer Key Facts Documents</branchText>
			<leaf>
				<leafText>PIP KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\PioneerPIPKFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Pure KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\PioneerPUREKFD.pdf</link>
			</leaf>
		</branch>
		<branch id="Exeter Family Friendly Key Facts Documents">
			<branchText>Exeter Family Friendly Key Facts Documents</branchText>
			<leaf>
				<leafText>PIP KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\ExeterPIPKFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Pure KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\ExeterPUREKFD.pdf</link>
			</leaf>
		</branch>
		<branch id="Pru Protect Key Facts Documents">
			<branchText>Pru Protect Key Facts Documents</branchText>
			<leaf>
				<leafText>Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\PRU LT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LTandCI\PRU LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\PRU MP KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\PRU MPandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>PHI KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\PRU LT KFD.pdf</link>
			</leaf>
		</branch>
		<branch id="Scottish Provident Key Facts Documents">
			<branchText>Scottish Provident Key Facts Documents</branchText>
			<leaf>
				<leafText>Family income Benefit KFD</leafText>
				<link>/cdrom\KFDocsProps\FIBOptions\SCP-KFD-FIB.pdf</link>
			</leaf>
			<leaf>
				<leafText>Index Linked Critical Illness KFD</leafText>
				<link>/cdrom/KFDocsProps/CIOnlyOptions/IdxLinkCIOnly/SCP%20IdxLink%20CI%20KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Index Linked Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\IdxLinkOptions\IdxLinkTerm\SCP INDXLT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Index Linked Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\IdxLinkOptions\IdxLinkTermWithCI\SCP IdxLink LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Income Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\DIBOptions\SCPDIBKFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\SCP LT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LTandCI\SCP LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term Critical Illness KFD</leafText>
				<link>/cdrom/KFDocsProps/CIOnlyOptions/LevelCIOnly/SCP%20Level%20CI%20KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Life Plus KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LifePlus\LifePlusKFDs\SCP LifePlus KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\SCP MP KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\SCP MPandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Plus KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgagePlus\MortgagePlusKFDs\SCP MortgagePlus KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Reducing Critical Illness KFD</leafText>
				<link>/cdrom/KFDocsProps/CIOnlyOptions/ReducingCIOnly/SCP%20Reducing%20CI%20KFD.pdf</link>
			</leaf>
		</branch>
		<branch id="Unum Key Facts Documents">
			<branchText>Unum Key Facts Documents</branchText>
			<leaf>
				<leafText>Unum KFD</leafText>
				<link>/cdrom\KFDocsProps\IncomeProtection\UNM-KFD.pdf</link>
			</leaf>
		</branch>
		<branch id="Zurich Key Facts Documents">
			<branchText>Zurich Key Facts Documents</branchText>
			<leaf>
				<leafText>Level Term KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LT\ZUR LT KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Level Term and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\LTOptions\LTandCI\ZUR LTandCI KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtection\ZUR MP KFD.pdf</link>
			</leaf>
			<leaf>
				<leafText>Mortgage Protection and Critical Illness KFD</leafText>
				<link>/cdrom\KFDocsProps\MPOptions\MortgageProtectionWithCriticalIllness\ZUR MPandCI KFD.pdf</link>
			</leaf>
		</branch>
	</branch>
	<branch id="Submission and Money Laundering Form">
		<branchText>Submission Form</branchText>
		<leaf>
			<leafText>Submission Form</leafText>
			<link>/pdfs/Lifequote New Business Submission Form.pdf</link>
		</leaf>
	</branch>
	<branch id="Guides">
		<branchText>Critical Illness Cover Guides</branchText>
		<leaf>
			<leafText>Friends Life Ind Protection</leafText>
			<link>/cdrom/Guides/CritIllGuides/Friends Life Ind Protection Critical illness Definitions.pdf</link>
		</leaf>
		<leaf>
			<leafText>Zurich</leafText>
			<link>/cdrom/Guides/CritIllGuides/Zurich CIC Guide.pdf</link>
		</leaf>
		<leaf>
			<leafText>Aegon</leafText>
			<link>/cdrom/Guides/CritIllGuides/Aegon Critical illness Definitions guide_IP00000019_v1210_exp212.pdf</link>
		</leaf>
		<leaf>
			<leafText>Ageas Protect</leafText>
			<link>/cdrom/Guides/CritIllGuides/AGEAS CIC guide.pdf</link>
		</leaf>
	</branch>
	<branch id="IPGuides">
		<branchText>Income Protection Cover Guides</branchText>
		<leaf>
			<leafText>Friends Life Ind Protection</leafText>
			<link>/cdrom/Guides/IPGuides/Friends Life Ind Protection Income Protection Guide.pdf</link>
		</leaf>
	</branch>
</tree>

