It takes careful planning to choose the right life insurance policy for your family or business.  It is also important to review regularly your life insurance needs to make sure that they keep up with changing personal and economic circumstances.

When you have decided on a policy you will have to complete and sign a proposal form. This form asks about such matters as your age, occupation and health. You must answer all questions truthfully. If you fail to do so, it can, in some circumstances, mean that your policy will not pay out.

If you do not understand something about the policy or about the proposal form, then ask the person who gave it to you. 

Get what you need at a price you can afford

There are lots of providers to choose from so make sure you get lots of quotes.

What if I change my mind?

Every effort is made to ensure your application for life insurance is made in the full knowledge of all its terms and conditions, but by law all policies have a “cooling off” period (of at least 14 days).  During this time you can tell the insurer you do not want the policy and receive a refund of any initial premiums you have already paid.  After the cooling-off period, you may cancel the policy at any time, but will receive no refund of the premiums you have already paid.



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Life insurance guide

  • How to choose the right plan
  • Types of policy
  • Cost


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