If you would prefer, we can call you, and sort out your life insurance person to person.
The amount of cover, the length of the term, and the premiums are all set up at the start.
If a single life is covered, the sum assured will be paid out if:
you die before the end of the plan term, or
in some cases you develop a terminal illness at least eighteen months before the end of the plan term.
If you choose a joint-life 'first death' plan, the sum assured will be paid out if:
either of you dies before the end of the plan term, or
in some cases if either of you develops a terminal illness at least eighteen months before the end of the plan term.
As soon as the sum assured is paid out, the plan ends. If by the end of the plan term the sum assured has not become payable, the plan ends and nothing is paid out.
A terminal illness that is expected to cause death within 12 months is included with the plan. You need to advise the insurer about it at least 18 months before the end of the plan term.
