Life & Living Insurance

Yes.

It's important to review your insurance regularly to make sure you have the right amount of cover you need.

Any health, occupational or financial changes that occur after your policy starts may affect the terms of your cover if you change it - we'll make sure you know about any changes.

Yes. You can reduce or increase your requested insurance cover at any time during the assessment process. If you wish to increase cover, be aware that the process could take longer as additional information may be required.

Premiums are calculated by assessing a range of factors that relate to the person’s life expectancy, and therefore their likelihood of claiming in the near future. Life insurance companies usually have a team of actuaries, who are responsible for the measurement and management of this risk and uncertainty.

When you apply for a life insurance policy, you might be asked questions about:

• your biological sex
• your age
• your medical history
• your family medical history
• whether or not you’re a smoker
   

Your answers to these questions will determine the premium you pay for the sum you want to be insured for.

If you need insurance to cover the bills or your mortgage or rent payments if you became seriously ill or injured, you could really benefit from talking to an Adviser.

Contact us on 0800 900 047 or get in touch online and a qualified Adviser will get in touch to talk through a tailored solution for you.

We understand life can sometimes present challenges that make it hard to keep up with day-to-day expenses. If you’re experiencing financial hardship or a challenging life situation, our team are available to provide assistance and support. 

Contact
Freephone 0800 270 714
Overseas +64 4 915 8753
Complete the online form