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If my policy is “Rated”, what does this mean?: If your policy is “rated” it means that the insurance company believes you represent an above average risk of a claim.
Can Life Insurance be arranged quickly?: It is dependent upon two factors: - Click here to find out more details
What is Family Income Benefit Insurance?: Family Income Benefit Insurance will provide a monthly payment to the family until the end of the policy’s term, following the death of the policyholder.
What is Critical illness Insurance?: Critical Illness Insurance pays an lump sum if you are diagnosed with a serious illness or critical illness.
Complaints about a Life Insurance Adviser: All the Life Insurance Adviser aqre now regulated by the Financial Services Authority.

After you receive your initial quotation, the Life Company will require you to complete an application form. The application form will contain a section about your past and present health record and a few questions about your mother and father’s health record.

From this information, the Life Company will decide whether it requires more information about your health. This does not necessarily mean that you will need to have a medical examination as in the majority of such cases, the Company writes to your GP for information (you will have to sign an authority allowing the Life Company to approach your doctor.)

The Insurance Company may also decide that it needs a second opinion or an completely up to date report on your health. In these circumstances the Life Company will require you to take a medical.

A medical can be a short visit to your home by a nurse or a more detailed assessment at a Doctors surgery. Either way, the Life Company will meet the full cost of the medical.

The medical report belongs to the Life Company and but you can specify to see a copy of the report. If anything of concern is discovered within either an medical or a doctors report, the Life Company or Doctor will usually let you know.

Finally, we would remind you that you must be totally truthful when you complete your application form. If you fail to disclose anything they ask you about or you fail to tell the truth, then any subsequent claim will be invalidated.

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