There is no fees involved in the process of setting up the policies besides the premiums that you pay and our adviser will provide ongoing service at no extra cost.

All the policies offered are fully Underwritten which means the cover when offered will be based on any pre-existing medical conditions and based on medical information and in most cases you are covered for pre-existing conditions. In some instances the insurance company can apply a premium loading if the medical condition is serious in order to offer full cover.

Nominating beneficiaries is part of the process and at any point of time you are able to add or amend the nominations as per your needs.

Once our adviser sets the policy up they will look after all your servicing needs including account details changes, beneficiary changes, tax statements on a regular basis. The adviser will be your point of contact and will assist with all your needs related to the policy.

Yes you can have multiple life insurance policies as the sum insured is based on the information provided during the application process.The Underwriting teams of each individual insurance company will decide on how much life insurance can be offered in order that you have sufficient sums insured.

Stepped premiums are age based and increase each year as you grow older and level premiums are based on the age of entry and stay with minimal increases till you turn 65 or 70 in most instances.Level premiums are cheaper when a person is young and gets expensive to get into as you get older.Even over age 50 if you plan to hold the life insurance for a period of 5 years or more level premiums can still be cost effective.

No life insurance policies now a days do not have any cash back or endowment provsiosn after paying premiums for a number of years.As long as the premium is paid and an insured event happens the sum insured is passed on to the survivor or the family.