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frequently asked questions
Q: Can I still get life insurance if I have existing health issues?
A: Yes you can, but it all depends on the particular issues. Our expert advisor will be able to tell you if you can get cover and whether there will be any changes to the policy cost.
Q: How much will my premium cost?
A: This depends on a number of factors; age, smoking status, state, occupation and levels of cover. Our expert advisor will be able to guide you in the right direction to make sure you get the most cost effective cover available.
Q: Are there any age related cut-offs?
A: Again this varies depending on a number of factors. Life cover is not available after age 75 but if you have an existing policy they generally will not expire as long as you keep paying the premiums. For other types of cover it varies depending on occupation so speak to one of our experts for guidance.
Q: What's the difference between trauma insurance and life insurance?
A: Trauma insurance covers you if you suffer a defined illness and survive such as cancer or a heart attack. Life insurance is very simple and covers you if you die from any illness or accident other than suicide in the first 13 months.
Q: What's the difference between stepped and level premiums?
A: Stepped premiums are your traditional premium style that increase every year as you get older. Level premiums on the other hand will start a bit higher but will remain the same until the age of 65 or 70. The younger you are the cheaper it is to lock in the level premiums, so don't delay!
Q: How much should I cover myself for?
A: This depends on a number of factors including debt levels, number of dependents, household expenses, and so on. For help with finding the right level of cover please feel free to use our needs analysis calculator.
Q: Will my policy go up in price?
A: It depends on whether you have a stepped or level premium (see above). If you have a stepped policy it will, whereas a level wont.
Q: Is there a discount for signing up as a couple?
A: Unfortunately not - each person is given their own price depending on their variables (age, smoking status, occupation etc).
Q: Does my policy expire?
A: Life cover does not expire as long as you keep paying premiums. Trauma and Total Permanent Disability cover will change at a certain age (around 70) and Income protection will finish at around 65-70 depending on your occupation.
Q: If I purchase a policy when I'm healthy, will my premiums go up in price if I get sick?
A: No, thats why you have insurance! Once you have a policy with an insurer they cannot change the policy details or particulars, that’s why it is much better to get a policy when you are fit and healthy to make sure you and your family are protected if you get sick or injured.