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Glossary

Exclusions

Some policies exclude certain events or conditions, e.g. life insurance will usually have a suicide exclusion for the first 12 or 13 months of the policy.  These exclusions will be advised at the time of application.

Exclusions

Some policies exclude certain events or conditions, e.g. life insurance will usually have a suicide exclusion for the first 12 or 13 months of the policy.  These exclusions will be advised at the time of application.

Expiry Ages

Some policies expire when you reach a specified age, for life insurance this is usually age 99.

Funeral expense or advanced funeral benefit

Most life insurance policies provide an advanced payment from the sum you are insured for to help cover funeral expenses.

Future insurability or Guaranteed Future Insurability

Some policies include this benefit option, which allows you to increase your level of insurance cover without having to complete another application. Typically the increase is tied to a personal event or business event, e.g. at the birth of a child you can apply to increase cover without medical requirements.

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