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Frequently asked terms to consider
Standard terms means a policy is offered with no price increase.
Special terms means there is a price increase to reflect additional risk(s).
Any life insurance applicant is assessed for the risk (of sickness or death) they pose to the insurer. A heathy young person with no health conditions who works an office job poses, in the insurer’s mind, very little risk. Someone with a chronic health condition or who works a dangerous job poses a greater risk.
A premium rating (AKA loading/ loaded premium) is when your life insurance premium increases in cost to reflect the level of cover you need to sufficiently protect your health situation and/ or circumstances.
Exclusions can be applied to Income Protection/Critical Illness cover if you have a hazardous hobby/occupation, or a pre-existing medical condition that the insurer doesn’t cover. A commonly applied exclusion to life insurance policies, is suicide within the first 12 months.
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Frequently asked terms to consider
Standard terms means a policy is offered with no price increase.
Special terms means there is a price increase to reflect additional risk(s).
Any life insurance applicant is assessed for the risk (of sickness or death) they pose to the insurer. A heathy young person with no health conditions who works an office job poses, in the insurer’s mind, very little risk. Someone with a chronic health condition or who works a dangerous job poses a greater risk.
A premium rating (AKA loading/ loaded premium) is when your life insurance premium increases in cost to reflect the level of cover you need to sufficiently protect your health situation and/ or circumstances.
Exclusions can be applied to Income Protection/Critical Illness cover if you have a hazardous hobby/occupation, or a pre-existing medical condition that the insurer doesn’t cover. A commonly applied exclusion to life insurance policies, is suicide within the first 12 months.
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