Re-Intermediating

The Intermediary

Re-Intermediating

The Intermediary

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To get a quote from one of our registerd Financial Advisors authorised to give advice on the brand you select please fill out our form, and your details and it will be assigned to a Financial Advisor matching your profile.

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why buy fully underwritten life cover?

Every insurance company has a different set of rules when it comes to underwriting. Simply put underwriting is a set of guidelines a company uses to determine whether or not they will accept the risk being presented to them in an application for insurance.

In the case of Life Insurance, underwriting may be medical, financial or occupational. The company wants to ensure that there are no obvious reasons to exclude you upfront for any particular condition or circumstance. Remember, you want them to be around to pay out the insurance, so they need a chance to identify, and quantify the risk they are about to take on. Once they have investigated the various risks involved with you as an individual they may either decline your risk, or may provide a quotation which differs from your original request laying out the premiums or conditions that they would accept your risk under. This may include exclusions, or a premium loading. However once they accept you they have accepted the risk on those conditions, and as long as you have been truthful, your risk is covered. This differs from Post Death, or Post Occurrence underwriting in that a policy may contain general exclusions you are not aware of, and when you, or your dependents come to claim, there may be no pay out.

To request a quote from a Financial Advisor, please fill out your details on our FIRSTLIFE QUOTING ENGINE

What is a Record of Advice? Life Insurers Claim Statistics