The best way to accurately find out how much you will be charged is to have a consultation with one of our agents. The consultation is free and comes with no obligation. We use the latest data analytics insights and technology to give everyone a suitable quote based on their unique circumstances.
The information we receive from you affects your premium. We take your information and compare it to the data we have. This data—such as gender, salary, age, and occupation—helps us determine how much risk insurance companies take in insuring you. We then work out your premiums based on this risk. (In the insurance industry, this is called underwriting.)
As long as you’ve answered our underwriting questions honestly, you can edit the payout or cover amount for each product before you accept the quote. If you’ve budgeted a certain amount and the sample quote seems too expensive, you can reduce the cover for specific products or remove them altogether. You can keep tweaking the quote until you are happy with the products, the cover amounts, and the overall premium.
Yes, we help insure those with existing conditions. However, there may be limits on what we can help cover or pay out. The life insurance company might impose limits and exclusions based on your medical history, for example. We will go over any benefit-specific exclusions with you. Simply contact us today!
This is what we typically call “underwriting”: we ask you some medical questions so that we can determine a few things. We need to know if we can actually offer you insurance; we then can determine which types of services we can offer you, the specific benefits to these services, their exclusions, and their price.
Family history is a good predictor of potential claims and influences the products we can offer you, and the price of those benefits.
Contact us if you have any questions this page doesn’t answer. We look forward to hearing from you!