Conversion Policies

This arrangement gives your the option to convert your policy to alternative type. You might do this to create a savings element to your policy or ensure the new converted policy extends beyond the life of your existing one.

Critical Event Cover Policies

These policies are based around events which have a major impact on your life, for example, marriage or the birth or adoption of a child. The benefit is paid out when these events occur.

Critical Illness Cover Policies

The benefit is payable should you be diagnosed as having a illness or affliction which will be specified under the policy.

Terminal Illness Cover

The sum is payable should you be diagnosed as having a terminal illness. There is no set list of illnesses which all companies use. It is therefore important to find out exactly what types they will cover.

Premium Level Policies

Some policies may appear cheaper by looking at the initial premium, but may increase over time. It is therefore essential to question whether the insurer can increase your premium in the future. If a policy states that it is "fixed for the term of the policy", then the premium will remain constant.

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