For life insurance or capitalisation contracts, when the policyholder or subscriber converts individual rights into rights expressed in units of account that were not selected when the contract was taken out or subscribed to and whose main characteristics were not indicated when the contract was taken out or subscribed to, the said main characteristics are indicated at the time of conversion either in the rider or by delivery of the key information document or the specific information document provided for in Regulation (EU) No 1286/2014 of the European Parliament and of the Council of 26 November 2014 and Commission Delegated Regulation (EU) No 2017/653 of 8 March 2017. If these documents are not provided, the subscriber is informed of how to obtain them and, where applicable, the e-mail address where these documents can be obtained.