Risk factors

• Since life insurance is an important financial safety net, it is essential that you give us all the information we ask for on the application form and that it is accurate. If you fail to mention something like a medical condition, for example, we may not pay out in the event of a claim.
• For Decreasing Term Assurance, if mortgage interest rates average over 10% during the policy term, there may not be enough cover to pay your mortgage off in full.
• You must read both the appropriate key features document and the policy conditions PDF document carefully before buying our life insurance. Both are listed on the right hand menu. They clearly detail the circumstances under which the policy would not pay out, as well as other terms and conditions.

• Term assurance (life insurance) plans are not investment products. They have no cash in value at any time. Also, if you stop paying the premiums before the end of your policy, your cover will end after 30 days.
• Terminal illness cover is not applicable for the last 18 months of a policy term.