Is there anything I'm not covered for?
We won’t pay a claim if you die as a result of intentionally taking your own life within 12 months of the start date of your plan. More details can be found in section A1 of the Plan Conditions.
If you're diagnosed with a terminal illness within 12 months of the end date of your plan, we won't pay out a terminal illness claim. More details can be found in section A1 of the Plan Conditions.
You're covered if you die anywhere in the world. However if you ask us to pay out the amount of cover early because you're diagnosed with a terminal illness, we'll need this diagnosis confirmed by a doctor who practices in one of a certain number of countries. We've explained this in more detail in Section A1 of the Plan Conditions.
If you've taken this plan out to protect a loan or a mortgage, and have chosen decreasing cover, then the amount we pay out if you die is not guaranteed to repay the mortgage or loan in full. More details on this can be found in Section A2(b) of the Plan Conditions.
We may not pay a claim, and could cancel your plan if we find that you have deliberately withheld information from us, or intentionally provided us with false information when you applied for your plan or when you make a claim. More information on this can be found in Section C6 of the Plan Conditions.