Life Insurance that helps protect the people you love.

Many Life Cover policies include a terminal illness benefit that may pay the Life Cover amount early when the policy definition is met. The definition, evidence required and other terms vary between insurers, so the wording of the particular policy matters.

Yes, it may be possible to hold more than one policy. Each application is subject to the insurer’s requirements, including evidence of the amount of cover needed and full disclosure. Any accepted claim is assessed under the terms of each policy.

The premium depends on factors such as your age, health, smoking status, occupation, cover amount, premium structure and optional benefits. Comparing policies on both value and suitability—not price alone—can help you choose cover that works for your needs and budget.

This generally depends on how the policy is owned and any beneficiary or nomination arrangements available under it. Because ownership can affect who controls the policy and receives a payment, it is worth setting the policy up carefully from the beginning.

You may be able to reduce your cover, but increasing it will often require a new application and health assessment. Some policies include a future-insurability option that may allow an increase after an eligible life event, within stated limits and conditions.

Not always. A health questionnaire may be enough for some applications, while an insurer may request medical records, tests or an examination depending on factors such as your age, health history and the amount of cover requested.

Exclusions or limitations can apply—for example, a suicide exclusion period or exclusions relating to particular medical conditions, activities or travel. Incomplete disclosure can also affect a claim. Your policy schedule and wording show the terms that apply to your cover.