In order to answer this question, it is really important to sit down with an Adviser to discuss your personal insurance needs. Our advisers will look at your current situation and your goals for the future and establish what levels of insurance you require.

If the child is under three months old all that is required is a letter of request to add the child to the policy, stating their full name and date of birth. This must be signed by all policy owners. If the child is over three months old then a children’s application form is required to be completed.

Yes, you can. You may change the owner of your policy at any time. All existing and any new policy owners must agree to the change. For example, you could change the policy owner from just yourself to joint ownership between yourself and your partner. In order to change the policy owner, simply complete a change of ownership form.

Yes, smoker’s premiums are higher than those of non-smokers. The good news is that if you stop smoking, the insurer will lower the cost of your insurance (once you’re smoke-free for 12 months you qualify as a “non-smoker”: in the eyes of insurers!).

If you have selected a Stepped policy then on your policy’s yearly anniversary your premiums will increase with age. If your insured amount has increased too (for example with inflation “indexation”), then this will also increase the cost slightly. If you have selected a Level policy then your premiums will not increase each year with age but they will with inflation.

Yes. The underwriting (assessment) will be based on the answers you give in the online application form. It is important that you include any relevant medical information that you are aware of. In some cases (but not all) the insurer may ask for further information or contact your doctor for medical notes.

If you stop paying premiums, after a period of time (usually three months) your cover will end. If you ever need to change your payment details (e.g. you change bank accounts) just contact us and we’ll get it sorted.

An exclusion is something not covered by the policy. Some exclusions are built into the policy – for example health insurance tends not to cover cosmetic surgery. Also, usually pre-existing health issues are “excluded” from the policy. This means that the insurer won’t pay for investigations or treatment relating to that issue.

You can increase your cover in the following ways:

• By utilising the Special Events Increase Facility in your policy, which allows you to increase your cover without the need to provide any additional health information if you experience one of a number of special events in your life; or
• By applying for additional cover online in the usual way.

In each case an increase in cover attracts an additional premium.  

Yes, you can. If your circumstances or your financial responsibilities change, you can reduce your Life Cover at any time. However you may wish to seek financial advice about what such a change means for you before doing so.