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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 are when a policy specifically lists a hobby, occupation or medical condition, that it does not cover. For example, a customer who likes to skydive might have injuries or death relating to skydiving excluded from their cover. This could mean that if they die or suffer a life-limiting injury in a skydiving accident the policy won’t pay. A standard exclusion on most policies also includes 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 are when a policy specifically lists a hobby, occupation or medical condition, that it does not cover. For example, a customer who likes to skydive might have injuries or death relating to skydiving excluded from their cover. This could mean that if they die or suffer a life-limiting injury in a skydiving accident the policy won’t pay. A standard exclusion on most policies also includes suicide within the first 12 months.
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