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Where can I find help?: To help you find your question, we have organised our FAQ’s into relevant groups. Answers to all sorts of more general questions are found in the General Questions section.
Should you consider Critical Illness cover instead?: If you have no dependants or already have Life Insurance, you should consider Critical Illness Insurance instead of Life Insurance.
Should you include Terminal Illness Insurance?: You probably won’t need to - most policies include Terminal Illness cover free of charge on all Life and Critical Illness policies.
Can you have different levels of cover on a joint life policy?: Yes you can - but it may be better to buy separate policies.
Should your policy be written “in Trust”?: We believe that all Life policies should be written “in trust”.

Should you have a “Guaranteed” or a “Reviewable” policy?

With a Guaranteed policy your insurance company Guarantees never to increase the premium at any time during the policy’s term.

With a Reviewable policy your monthly premium will rise when your insurance company reviews your premium (normally every 2 to 5 years but this interval does vary between insurance companies). In our experience, Reviewable policies tend to experience price increases slightly in excess of inflation.

As you would expect, at the outset the premium for a Guaranteed policy is higher than a Reviewable policy - but Reviewable premiums can soon catch up. In the longer term a Reviewable policy generally works out more expensive.

Just a quick point. Some insurance companies have stopped offering Guaranteed rates for combined Mortgage Life Insurance with Critical Illness cover. However, if you ask for a quote on a Guaranteed Life Insurance and Critical Illness policy - and ClickLife, our Product Partner, can source one for you - you should seriously consider it.

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -

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Hot Topics

Should you have a “Guaranteed” or a “Reviewable” policy?

With a Guaranteed policy your insurance company Guarantees never to increase the premium at any time during the policy’s term.

Frequently Asked Questions related to the above topic. Click below if you wish to read them: -

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -