premium loading
Our ability to afford dread disease cover both now and into the future is paramount, so pay particular attention to your premium pattern and how you can expect your premiums to escalate over time. Importantly, ensure that your dread disease
Be sure to check the term of your policy. Death benefits can be purchased for a fixed term, such as ten or twenty years, or for whole of life. Similarly, some benefits, such dread disease and disability cover, cease at
If you applied and were granted life cover as a smoker and have subsequently quit smoking for a period of 12 months or more, it is definitely worthwhile approaching your insurer to have your premiums reviewed.
