Individual & Family Life Insurance

The premium can vary according to factors such as age, health, the amount of protection, policy duration, selected benefits and underwriting. The type of plan also affects the cost, so we compare the terms as well as the premium.

The appropriate amount depends on your income, financial responsibilities, dependents, outstanding debts and future goals. We assess what would need to be protected financially and help you compare suitable levels of cover.

In general, only basic health and personal information is needed. Additional medical information may be requested in specific cases, including pre-existing medical conditions or larger amounts of cover.

Both provide life protection during the policy term, but a refundable plan can also return the premiums paid at maturity if its conditions are met. This usually comes with a higher premium than comparable non-refundable protection.

Health insurance is designed to cover eligible medical expenses, while critical illness insurance provides a financial benefit following diagnosis of a covered serious illness. The benefit can help with income needs, personal expenses or other financial obligations.

It can be especially useful when your income depends on your ability to work. If an accident causes death, permanent disability or temporarily prevents you from working, the policy can provide financial compensation, including weekly income support, depending on the selected cover. This can help protect income that medical insurance or social security may not replace.

Depending on the plan, protection benefits can help keep the financial objective in place by covering future premiums, providing financial benefits or continuing education or retirement funding after a covered death or disability.

The investment value depends on the selected strategy and market performance, so it can increase or decrease over time. The plan can also include defined insurance benefits, such as life or disability protection, that are separate from the investment value. We explain clearly which parts are fixed and which depend on market performance before you choose.

It depends on the plan. Early withdrawal or surrender may be available, but the amount received can differ from the accumulated value and may be affected by the timing and policy terms.

Yes, war risk protection can be included under certain plans for covered death or disability resulting from war-related events. The scope, limits and conditions depend on the selected plan and insurer.