Life insurance FAQs

To make changes to your policy, please contact us.

How you claim on your life insurance policy depends on when you bought your policy.

To find out who to call go to our page on making a life insurance claim.

If you added critical illness to your policy, you would have had the option to choose between:

• A 'guaranteed' product, where the premium remains the same throughout the term of the policy, or
• A 'reviewable' product, where the premiums are fixed for the first five years, after which the insurer has the option to review your premiums on a regular basis.

If you need further help, please contact us.

Critical illness cover will pay out a lump sum on diagnosis of a condition as specified in the policy wording.

This could help improve your quality of life by paying for necessary treatment or home alterations, paying off your mortgage or covering regular bills.

If you need further help, please contact us.

If you have taken out a life policy or a life policy with critical illness and guaranteed premiums, your premiums will not increase during the term of the policy.

Your premiums may increase if you added critical illness to your life cover and selected a policy with reviewable premiums.

This is because your premiums are fixed for the first five years, after which the insurer has the option to review your premiums on a regular basis.

If you need further help, please contact us.

If your life insurance policy is in joint names it will pay out on a ‘joint life first death’ basis.

This means the insurer pays the sum assured only once and payment will be made in the event of the first death on the policy.

If you need further help, please contact us.