Illness Cover

What information will I need to provide to get a life and critical illness cover quote?

When you start a life and critical illness cover quote with us, we’ll ask you for some information about:

Your personal details. The questions in this section will include things like your name, age, marital status and occupation.

Your health and lifestyle. If you have any serious medical conditions or are taking any prescription medicine, we’ll need to know about it here. We’ll also ask whether you smoke or participate in any dangerous activities as part of your job – or just for fun!

How is the quote for my life and critical illness cover calculated?

When you receive a quote for your life and critical illness cover, it will be based on the following factors:

• The amount of cover that you have chosen. The higher the level of cover, the more expensive the policy will be.
• Your age and health. This will affect the price of your life insurance policy. If you are older or have medical issues, it is likely to cost more than if you are young and healthy.
• Your lifestyle and occupation. You may pay more if you smoke or work in a dangerous occupation such as construction or deep-sea fishing.
• The type of cover that you have chosen – level term or decreasing term. Level term life insurance policies tend to cost slightly more than decreasing term policies because they offer additional protection should you pass away during the length of your policy.

Quotes are based on your personal circumstances like age, health and even lifestyle.

“How do I get a life and critical illness cover quote?”:

• Age, status, or health coverage
• Smokers pay more
• The amount of coverage you would like to have