Life cover

Our life cover plans pay out the benefit if the life assured dies or is diagnosed with a terminal illness* and is eligible to claim during the term of the plan.

Our life cover plans automatically includes:

Terminal Illness Cover* - the sum assured will be paid out if the life assured is diagnosed as suffering from a terminal illness and is eligible to claim (where life expectancy is less than 12 months). This is only available on plans where the term is 2 years or more.

With our life cover, once a claim has been paid, the policy will end and no further premiums or benefits will be payable.

*Excluding Whole of Life Protection Plan

Underwriting Decisions

  • The maximum rating we will normally apply is 400% em (extra mortality) loading.

Life only exclusions

  • If we apply an additional premium for a hazardous activity eg private aviation, the client can chose to have the risk excluded from the plan rather than pay the additional premium.

Key points

  • Life exclusions can only be applied for hazardous activity risks and never medical risks.
  • We can offer an exclusion on all life cover products even if the policy is required to protect a loan.

We never offer an exclusion on life cover unless it has been specifically requested by the client, as we prefer to offer the most comprehensive cover available in the first instance.

For full details on all the products we offer, please see Our Products site.