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Common Life Insurance Questions and Answers
Price is not the only factor that you need to take into consideration when you are looking for life insurance. There are a few other things that you need to be aware of.
DOES ONE POLICY SUIT EVERYONE?
There is not one life insurance policy that will suit everyone. You need to be wary of adverts that present comprehensive products for everyone that costs almost the same for everyone.
A life insurance policy needs to be tailored to your needs and requirements in order to determine your premiums. You need to analyse the terms and conditions, exclusions and any increases in the premiums.
DO I ALREADY HAVE LIFE COVER?
If you work for a large company or a group then there is a chance that you already have life insurance from your employer.
However, this cover is usually limited so it might be best to have one of your own as well. An experienced financial advisor will be able to help you to determine what and how much you need.
WOULD I NEED TO DISCLOSE A DANGEROUS SPORT OR ACTIVITY?
You will need to inform your insurance broker of any dangerous sports that you partake in like motor racing, diving, paragliding, parachuting and others and by law you will need to disclose work related risks.
DOES SUICIDE AFFECT MY POLICY?
In terms of suicide, life insurance policies will have a two-year exclusion period attached, which is to prevent people from committing suicide just after they take out life insurance.
WHAT IS UNDERWRITING?
This is an in-depth evaluation of your lifestyle and your medical history. This helps the insurer to assess your risk profile and offer life insurance and work out your premiums.
Life Insurance for You
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