When Does My Cover Start?

Once your insurer has accepted your Application, your insurance cover can start straight away.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

Hot Topics

Will your Mortgage Lender charge a fee if you buy your Life Insurance from someone else?
No! By law mortgage lenders are not allowed to charge a fee if you buy elsewhere.
Why is Mortgage Life Insurance cheaper than normal Life Insurance?
Mortgage Life Insurance is a particular type of insurance designed specifically for people with a repayment mortgage.
Does your age affect your premium?
Yes, your age is one of the most important aspects that determines your premium. (Other important aspects include the level of cover you want, whether you are male or female, whether you are a smoker, your occupation and health record.)
Can A Claim Be Made If The Policy Is Lost?
Yes. Simply contact the Insurance Company and they’ll send a “Lost Policy Claim Form”.
Information about The Financial Services Authority
Who is the Financial Services Authority? (FSA)
Your insurance cover cannot start until the insurance company has accepted your application. So if there is any additional information needed or even a medical, these things will need to be dealt with before they will cover you.

Of course, if you want to sort out the insurance now but delay the actual starting date then your broker will be able to arrange that. Better to get it sorted out now than wait and find out there’s going to be a delay.

Frequently Asked Questions related to the above topic.
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