Frequently Asked Questions

General life insurance information

What does life insurance cover me for?

Paying your premiums

What is a premium loading?

What is an exclusion or special condition?

I’ve changed my address or contact details – how do I let you know?

Do I have to notify my insurer if my occupation or health changes?

Is it possible to cancel my policy?

If I move abroad, what will happen to my policy?

Affordability

Are there any options available to reduce my premiums?

Your Protection Plans policy is designed so that you can change the structure of your cover as your life and financial situation change. We have a range of options for changing your cover to suit your circumstances and budget.

To make your policy more affordable, you could: 

Reduce your benefit amount

Extend your Waiting Period

Reduce your Benefit Period

Remove optional extras

Complaints

What is an Income Protection Summary?

How will I receive my IP Summary?

Who do I contact if I haven’t yet received my IP Summary?

Making changes or cancelling your cover

What changes can I make to my policy?