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Information you need to know.
Before applying for our life assurance products you should read the Key Features Document PDF and Policy Terms and Conditions PDF carefully to help make sure the policy meets your needs. Both these documents are available on the right hand side of this page.
As with all life assurance policies, there are certain things to be aware of:
Risks
- It's essential that you give us all the information we ask for during the application and that it's accurate. If you fail to mention something like a medical condition, for example, we may not pay out in the event of a claim.
- Life assurance policies are not investment or savings products and have no cash value unless a valid claim is made.
- When you take out cover, you must tell us if any of the following change between completing your application and when your policy starts:
- family history
- medical disclosures
- occupation
- travel or residence
- pastimes
- alcohol consumption
- start smoking
- use of recreational drugs
If you don't tell us about changes to any of the above, it could mean your policy won't pay out and we may need to cancel your policy.
Premiums
- The main factors are your age, sex, occupation, smoker status, health, the level of cover you need and type of product that you choose. Normally, the older you are, the higher the premium. Your individual height, weight, medical history and lifestyle are all assessed.
- Premium payments include all expenses and life cover starts from just £6 per month depending on your individual circumstances and needs. Premiums are guaranteed throughout the term of the policy unless you change your cover.
- If you decide to include Critical Illness Cover in your policy, you can choose between guaranteed or reviewable premiums. If you choose reviewable premiums, these are reviewed every five years and could increase or decrease.
- If you choose to exercise your Guaranteed Insurability Option there are certain terms and conditions for increasing your cover, which are outlined in the Key Features Document PDF. Please read it carefully.
- Our policies include Terminal Illness Cover at no extra cost.
- When underwriting insurance policies, insurance companies base their premiums on a wide variety of factors that may affect the claims cost they observe among their customers. Read more about the factors that may affect your premium.
- If you take out life insurance with us, you have the option to pay your premiums monthly or annually. If you decide to pay annually you will receive a discount, giving you cheaper life insurance premiums. Find out how much you could save.
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