Life cover pays an agreed sum to the people you nominate if you die during the policy term. It is written either as pure protection or combined with a savings element.
- Term life for a fixed number of years, at the lowest cost per unit of cover
- Savings-linked and endowment plans that build a surrender value alongside the death benefit
- Mortgage protection with a sum insured that falls in line with the outstanding loan and is assigned to the bank
- Optional riders for critical illness, permanent total disability and waiver of premium
- Medical underwriting or a health declaration above certain ages and amounts
Non-disclosure of a medical condition at application is the usual reason a death claim is contested, so the proposal form deserves real care. Suicide within the first policy year and death during undeclared hazardous activity are commonly excluded.
From enquiry to cover
We map the risk
A short conversation about what you do and what you own, so the cover matches reality.
We go to the market
We compare wording and limits across insurers, not the premium alone.
You choose, we place
We explain the differences in plain terms, then place the policy you pick.
We run the claim
If something happens, the file is ours to follow through to settlement.
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