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Frequently Asked General Questions
Questions about Prices & Premiums
- Why are the insurance prices on the Internet so low?
Hot Topics
- Why do I need critical illness cover?
- 1 in 5 men suffer a critical illness before their normal retirement age. 1 in 6 women suffer a critical illness before their normal retirement age.
- What information do you need to provide to apply for a Critical Illness policy?
- The Application form will ask questions regarding your height, weight, age, sex, current state of health, occupation, hobbies etc.
- Will a claim for critical illness affect any State Benefits?
- No, it should not affect your claim for State Benefits.
- Are You Allowed To Continue Working After A Critical Illness Claim?
- Once an Insurance company has paid your claim it has no interest how you live your life or what you go on to do.
- What happens if your condition deteriorates after making a claim on your Critical Illness policy?
- As far as your insurance is concerned, it makes no difference. Your policy has already paid out and your ex- insurer has no further interest in your health.
- How much will the premium be?
- Is the price you’re quoted, the price you pay?
- Will your premiums increase?
- Is it better to have Guaranteed or Reviewable premiums?
- If you’re asked to supply more information or go for a medical, will the premium increase?
- Could you end up paying more for insurance than someone else the same age?
- Will your medical history affect your premium?
- Why is insurance more expensive for smokers?
- If your premium is “Rated”, what does that mean?
- If your insurer asks for a higher premium because you are Rated, is it worth applying to another insurance company?
- Are there any extras to pay?
- Do you have to pay the Life Insurance Broker a fee?
- Will your Mortgage Lender charge a fee if you buy your Life Insurance from someone else?
- Why is Mortgage Life Insurance cheaper than normal Life Insurance?
Your Age & Health
The Application Process
- Can you get a quotation now online?
- Can life insurance be arranged quickly?
- What causes delay and can delays be reduced?
- What correspondence can you expect to receive after your Application has been submitted?
- What happens if you urgently need Life Insurance in order to complete your house purchase?
- Once you’ve got your quote, what’s the next step?
- When does your cover start?
- What happens if you stop paying your premiums?
Making a Claim
- How do you go about making a claim under your policy?
- Can a claim still be made if the policy is lost?
- Under what situations would a claim be refused?
Questions about legal, complaints & regulatory aspects Life Insurance and the Law
- What does a Life Insurance broker do?
- Information about The Financial Services Authority
- Complaining about a Life Insurance Company
- Complaining about a Life Insurance Broker
- Complaining about misleading advertising