Specified Illness cover

Can help relieve financial pressure when faced with the unexpected.

FAQs

  • How long will it take to put my cover in place?

    Putting cover in place won’t take too long at all. Whether you meet with us in branch or over the phone our advice process will only take about 1.5 hours. No time at all for the peace of mind you get when over is in place.

    For those looking to take out Mortgage Protection as part of their home buying journey, this could be done in a few simple steps. For most people, this could be as simple as 7 questions in 7 minutes and your cover will be sorted.

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  • What is Life Cover?

    Life Cover can provide a lump sum and/or a monthly income payment to your estate if you die. The type and amount of Life Cover you choose should be based on your individual circumstances and requirements. Importantly, many consider life cover when if your loss would have a financial impact on your remaining family and dependants. To find out more, click here.

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  • What details do you need to give when applying for a Protection Product?

    Our expert advisers will take you through the application process

    • They will ask questions about your lifestyle (e.g. your hobbies, your smoking and alcohol consumption), your occupation, your medical history, such as whether you have been hospitalised or been to see your GP recently and the outcome, your family’s medical history, your doctor’s contact details.

    With your consent, your doctor may be contacted to provide a report on your health depending on your health, age, type and amount of policy you want to take out.

    These details are required by the insurance company to assess the appropriate premium. It is extremely important that you fill out this form truthfully and in full, as these details are fundamental to your contract. If you have any doubts as to whether something is relevant or not you should include it. This will mean that if you or you family do need to claim in the future, you can be confident that the claim will run smoothly.

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  • Will you need to attend a doctor?
    1. If you have had an illness in the past that the insurance company needs to know more about, or
    2. If the amount of cover you require is very large, you may be asked to attend a doctor for examination and/or tests (this review process is known as underwriting).

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  • Where can I download the Commission Summary Document?

    Click here to download the I&I PDF.

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