Funeral cover terms and conditions

1    Definitions 

Certain words referred to in your policy have specific meanings, and the singular includes the plural. 

Section 1: General terms and conditions 

You, the insured persons, and anyone acting on your or their behalf, must comply with all the terms and conditions of your policy. If you (or they) don't, we may not pay out your claims. 

The agreement between you and us includes the following: 

·        Your application.

·        Any statement (written or spoken) that you make or that is made on your behalf.

·        Your policy and policy schedule.

·        Our correspondence to you.

Why you have this policy 

When you or any of the insured persons die, we will pay out a once-off amount (lump sum) to help with the funeral and related costs within 48 hours after we have received the claim documents we need. 

You and the insured persons 

You must be at least 18 but not older than 75 years old to take out this policy. 

You and all the insured persons must:

•         be Namibian citizens or permanent Namibian residents, living in Namibia for at least 9 months in a row; and

•         have a valid Namibian identity document or card, except for minor children. Minor children must have valid birth certificates.

If you or any insured persons plan to travel or live outside of Namibia for 3 months or longer, you must let us know. In this case, we may cancel the cover for you or the insured persons. 

Start date 

Your policy will start on the date on which we receive your first premium payment. 

Free cover

When you accept the terms and conditions of your policy, you will have free cover for accidental death or the death of insured persons due to unnatural causes. The period of free cover may be limited to a couple of days or up to 2 months. 

Your policy schedule

Your policy schedule is a summary of the following information: 

·        The insured persons who are covered under your policy.

·        The amounts they are covered for.

·        Cover increases.

·        Optional benefits. 

·        Waiting periods. 

·        Special conditions that may apply to insured persons.

·        Your premium amount, how often and how you pay your premium. 

·        Your cashback value. 

How to communicate with us

Our contact information is on the last page of this document. If you have any questions about your policy or if you want to change it, please contact us. 

Cooling-off period

Once you have received your policy document, you can cancel the policy within 31 days (cooling-off period) by letting us know in writing. We will then refund any premiums that have already been paid, on condition that no claim has been paid under any of the benefits.  

Your information

When you take out this policy, make any changes to it or claim, you must give us correct, up-to-date and complete information. 

If the information you give us is incorrect, we may cancel your policy and not pay a claim. You may then also:

·     lose all the premiums that you have already paid;

·     have to pay an administration fee; and 

·     pay back any claim amount that we have paid out. 

If we cancel your policy, we will SMS or email you, depending on what you prefer.  

Changes to your policy

You may change your policy. For example, you can add or remove insured persons to your policy or change the cover amounts. If you make changes to your policy, your premium may also change, and new waiting periods may apply. 

We may change your policy by giving you written notice of 31 days at your last known address as shown on the policy schedule.

Premiums and cover increases 

Your total monthly premium includes the minimum premium and a risk premium. The minimum premium covers the administration cost of your policy, and the risk premium covers the benefits of all the insured persons. 

How you pay your premium

You can pay your premiums one of the following ways: 

•        By debit order.

•        As cash payments, which includes –

-      electronic fund transfers; and

-      debit card payments.

•        As cash deposits at a Nedbank branch. 

You can also pay your premium using a combination of these payment options. If you make a cash payment, remember to use your policy or identity number (policyholder's identity number) as the reference. 

Cover increases

You can increase your cover by 5% or 10% every year. If you want to increase your cover, you must let us know in writing 30 days before the anniversary date of your policy. We will then increase your cover amounts on your policy anniversary date. 

No new waiting periods will apply, but your premium may also increase. If you do not increase your cover amounts for 2 years in a row, the option to increase it will fall away, and your cover amounts will stay the same. 

We will let you know when we receive your payment 

We will confirm via SMS that we have received your premium payments, regardless of how you choose to pay.  If you miss a premium, we will SMS you a reminder. 

If you pay less than the full monthly premium

If you pay less than the full monthly premium amount, your cover amount will also be less, and it may affect your premium bonuses too.

We will SMS you the cover amount you qualify for at the beginning of each month. We will calculate this amount based on the premium amount you have paid the previous month. If you do not receive this SMS, you can phone us to find out how much cover you have.

How we calculate your cover amount if you have a valid claim 

The cover amount we pay will depend on the premiums you have paid for the previous six months. If we did not receive the full premium amounts, we will divide the premium amount that we received over the past 6 months by the premium amount that was actually due and multiply it with the cover amount to calculate the cover amount. 

Example

Cover amount: N$10 000

Monthly premium: N$100 (N$600 for 6 months)

The premium amount that you paid over 6 months: N$500

Calculation : (N$500/N$600) x N$10 000 = N$8 333,33

This means you will be covered for N$8 333,33 only and not for N$10 000.

Future Cover Wallet

If you pay more than the full monthly premium, we will keep the extra money you pay in a Future Cover Wallet, but you will not earn interest on it. You can use the money in your Future Cover Wallet to pay future premiums or to claim an instant payment. 

Claiming for an instant payment:

·     You can claim an instant payment only if there is money in your Future Cover Wallet. 

·     To claim an instant payment, you must give us written notice by:

-      emailing us;  

-      visiting your nearest branch; or

-      calling our contact centre for more information. 

·     We will pay the money into a valid account only, and the payment may take up to eight working hours. If the account is not a Nedbank account, the payment may take up to two days to show in the account. 

Premium bonus

If you pay your full premiums for 11 months in a row, you do not have to pay your premium for the 12th month. 

Extra premium bonus

If you pay your full premiums for 10 months in advance in 1 payment, you will receive an extra premium bonus. In other words, you do not have to pay premiums for the 11th and 12th months. 

Review of premiums or terms and conditions

We cannot guarantee your premium amounts and reserve the right to review your premiums and change the terms and conditions of your policy at any time should it be required.

Examples of circumstances that can lead to changing the terms and conditions of your policy include the following: 

·       Changes in tax or other legislation.

·       Market, claims or expense experience. 

Your premiums will be adjusted only if it is no longer feasible for us to provide the policy benefits at the current premium rates. We will give you notice of 31 days of any changes to your policy (written or via SMS) and send you an updated policy.

Grace month

A grace month is a month in which you do not have to pay your premium. Your policy has 3 grace months, but you can use only 1 grace month in 1 policy year. You can use a grace month during a waiting period. We will let you know via SMS when a grace month is being used. 

Grace period (31 days)

If you have used all 3 grace months, cannot pay the minimum amount of your monthly premium, and have no money in your Future Cover Wallet or a premium bonus (including an extra premium bonus) and miss a premium payment, you will have 31 days to pay it. 

The money you pay will then be allocated first to the premium you have missed. If there is money left, it will be allocated to the current month's premium. 

If you have a valid claim within a grace period and you haven’t paid your premium yet, the allocated premium for the previous month will be N$. If the allocated premium is N$ for 2 months in a row and neither of the months is a grace month, your policy will lapse.

Waiting periods

Death due to natural causes or illnesses 

The waiting period is 6 months from the date we receive your first premium. If you add insured persons to your policy within 31 days after it has started, the waiting period for the added insured persons will be 6 months from the day we receive your first premium payment for them. If you add insured persons to your policy 31 days after the start date of your policy, the waiting period of 6 months will start after we have received their premiums. 

Accidental death 

There is no waiting period if you or another insured person die because of an accident within 90 days after the accident has happened. 

Reinstating your policy

If your policy lapses because you have not paid your premiums or cancelled your policy, you can reinstate (start again) your policy within 6 months as long as you are not older than 75 at the time. 

You cannot reinstate your policy if you have cancelled it during the cooling-off period.

If you reinstate your policy, you must pay all the premiums that you have missed while your policy was inactive. The insured persons who have initially been covered under your policy will be covered again on condition that they have not reached the maximum age for their category. Your cover will start again once we have received your first premium payment. If your waiting periods have not lapsed yet, the remaining waiting periods will still apply. 

If you have chosen the cashback or premium bonus benefit, the period will continue and the most recent terms and conditions will apply. 

​

How to claim

If you or an insured person dies, your or their nominated beneficiaries or estate executors (claimants) must let us know by calling us on+264 81 959 2876 during office hours within 180 days from the date of your or the insured person's death. If they do not notify us within 180 days, we do not have to pay the claim. 

When they phone, we will tell them what information we need for the claim. This information includes completed claim forms, death certificates, information about the circumstances leading to the claim, as well as medical evidence. 

The claimants are responsible for paying the costs of giving us the information, including postage, courier or delivery costs. We will accept certified copies only. Claimants can go to their nearest police station and ask a commissioner of oaths to stamp and sign the documents before giving these to us. 

Besides any other information, we will need the following documents: 

·     The death certificate.

·     The valid identity document or card of the deceased. If the deceased is younger than 18, we will need their full birth certificate.

·     A certified copy of the claimant's valid identity document or card.

·     A completed claim form or the reference number of the call when the claimant phoned us to submit the claim. 

·     A burial order, invoice or receipt for the funeral.

·     A certified copy of your or the beneficiary’s bank statements for 1 month. 

If we need more information, we may contact any person (including a medical practitioner or hospital) whom we think will be able to give us the information. 

Examples of other information that we may ask for: 

·     Proof of the relationship between the deceased and the claimant. 

·     Proof of ownership of the account into which we must pay the money if it is not the beneficiary's account.

·     A police report (only if it is an unnatural death, for example, an accident).

The claimants can hand the documents in at their nearest Nedbank branch, or they can post or email them to us. Once we have received these documents, we will make sure that they are complete. If we need anything else, we will let the claimant know. Once we have paid a claim for an insured person, we will have no further liability.

In the case of a fraudulent claim, we may cancel your policy immediately, and we will not refund any premiums that have already been paid.

Exclusions

We will not pay claims as a result of:

•         intentional self-inflicted injury, suicide or attempted suicide in the first 12 months of your policy; 

•         insured persons, their dependants or beneficiaries, or people acting on their behalf breaching the law, whether they are convicted of a crime or not; 

•         war, invasion, acts of foreign enemy, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military or usurped power or strike, labour disputes or industrial action; or

•         ionising radiation or contamination by radioactivity from any nuclear waste or fuel.

Currency 

All amounts payable under your policy, either to or by us, will be in Namibian Dollar. 

Limited number of policies and maximum cover

You can have cover under more than one funeral policy, but the maximum payment for all your policies combined will be N$100 000. We may increase the maximum payment from time to time. If we do, we will let you know via SMS. 

•         Children 14 years or older – 100% of your cover amount.

•         Children between 6 and 13 years – 50% of your cover amount up to N$30 000.

•         Children between 1 and 5 years – 25% of your cover amount up to N$10 000.

•         Children younger than 1 year – 12,5% of your cover amount up to N$2 500.

When we limit the amount we pay for a valid claim, we will not pay back any of your premiums.

Cancellations

•         You may cancel this policy or any section of your policy at any time by giving us written notice. 

•         We may cancel this policy or any section of your policy by giving you written notice of 31 days.

Your spouse or adult child can keep your policy 

If you die, your spouse or adult child covered under this policy can keep your policy by becoming the new policyholder. To do this, they must call us or go to their nearest Nedbank branch within 31 days after you have died. We will then tell them how much they would need to pay each month to keep your policy. They will also have to pay any premiums that are still outstanding. If they agree, we will change the policy details. If you don't have a spouse or adult child to take over your policy, any of the insured persons who qualify as a policyholder can take over your policy, but the premium may change. 

Giving rights to someone else 

You cannot give your rights that you have in terms of this policy to someone else, and you cannot use it as security for a loan.

Jurisdiction

Your policy is subject to the jurisdiction of the courts of Namibia and Namibian law applies.

A person who acts on your behalf

You give up your right to receive compensation if someone who acts on your behalf does not comply with the terms and conditions of your policy in the event of a claim.

Section 2: Benefit terms and conditions

You choose whom you want to insure under your policy. Certain conditions may apply for each insured person, depending on the relationship you have with them. 

You (policyholder)

Although you are responsible to pay the monthly premiums for your policy, you do not necessarily have to be insured under this policy. In other words, you don't have to be an insured person. However, to cover certain categories of insured persons, you must be an insured person.

If you are an insured person, your maximum cover is N$100 000 and your minimum cover is N$5 000. The amount that we will pay for a valid claim will depend on the actual amount of premiums that we have received.

You must choose who will receive the money from this policy when you die. In other words, you must nominate a beneficiary. When we pay out valid claims for insured persons other than yourself, we will pay the money to you, except for domestic workers (see the section on domestic workers).

Female policyholders (and female spouses) automatically qualify for cover for stillborn children (12,5% of your cover amount, up to N$1 000 per claim). There is a limit of 2 claims for this benefit.

Insured persons 

Spouses

You can insure 1 spouse, even if you are not an insured person under this policy. To qualify for cover, your spouse must be at least 18 but not older than 75 years old. 

The maximum cover for a spouse is N$100 000 and the minimum cover is N$5 000. If you are insured under this policy, the maximum cover for your spouse is limited to 100% of your cover amount. The cover amount for other spouses added to your policy is limited to the maximum of your first spouse’s cover. The amount we will pay for a valid claim will depend on the policy premiums that we have received.

Female spouses insured under this policy automatically qualify for cover for stillborn children (12,5% of your cover amount, up to R1 000 per claim. There is a limit of two claims for this benefit. 

Children

To qualify for cover, children must be 65 years old or younger. You can include minor children in your policy only if you are an insured person too. When minor children reach the age of 21, they move over to the adult child category unless they are full-time students or are medically dependent on you. If none of these apply to them, once they reach 25 they will move over to the adult child category.

The maximum cover for a child is 100% of your cover amount, or N$40 000, whichever is less. The minimum cover for a child (excluding a stillborn child) is N$1 000.

If there is a valid claim, payment will be limited to the following: 

•      Children 14 years or older – 100% of your cover amount.

•     Children between 6 and 13 years – 50% of your cover amount up to N$30 000.

•     Children between 1 and 5 years – 25% of your cover amount up to N$10 000.

•    Children younger than 1 year – 12,5% of your cover amount up to N$2 500.

The amount we will pay for a valid claim will depend on the policy premiums that we have received.

You may add or remove children or change their cover at any time, subject to the limits above and any restrictions that we may have on cover levels at the time. We will then let you know what your new monthly premium will be. If you increase the cover amount for an existing child or add a child, new waiting periods will apply for the increased cover or added child. 

Parents

To qualify for cover, a parent must be at least 18 but not older than 75. You can include a parent in your policy even if you are not an insured person. 

The maximum cover for a parent is 50% of your cover amount (if you are an insured person) or N$37 000, whichever is less. The minimum cover for a parent is N$2 000. The amount we will pay for a valid claim will depend on the policy premiums that we have received.

Grandparents

To qualify for cover, a grandparent must be at least 35 but not older than 75 years old. You can add a grandparent to your policy even if you are not an insured person. 

The maximum cover for a grandparent is 50% of your cover amount (if you are an insured person) orN$20 000, whichever is less. The minimum cover for a grandparent is N$2 000. The amount we will pay for a valid claim will depend on the actual policy premiums that we have received.

Aunts, uncles, nieces and nephews

To qualify for cover, they may not be older than 65. You can add them to your policy only if you are an insured person too. 

The maximum cover for them is 30% of your cover amount or N$15 000, whichever is less. The minimum cover is N$1 000. The amount we will pay for a valid claim will depend on the actual policy premiums that we have received.

If there is a valid claim, payment will be limited to the following: 

•      Children 14 years or older – 100% of your cover amount.

•     Children between 6 and 13 years – 50% of your cover amount up to N$30 000.

•     Children between 1 and 5 years – 25% of your cover amount up to N$10 000.

•    Children younger than 1 year – 12,5% of your cover amount up to N$2 500.

Brothers and sisters

To qualify for cover, they may not be older than 65. You can add them to your policy only if you are an insured person too. 

The maximum cover for them is 30% of your cover amount or N$20 000, whichever is less. The minimum cover is N$1 000. The amount we will pay for a valid claim will depend on the actual policy premiums that we have received.

If there is a valid claim, payment will be limited to the following: 

•      Children 14 years or older – 100% of your cover amount.

•      Children between 6 and 13 years – 50% of your cover amount up to N$30 000.

•      Children between 1 and 5 years – 25% of your cover amount up to N$10 000.

•      Children younger than 1 year – 12,5% of your cover amount up to N$2 500.

Cousins

To qualify for cover, they may not be older than 65 years old. You can add them to your policy only if you are an insured person too. 

The maximum cover for them is 15% of your cover amount or N$10 000, whichever is less. The minimum cover is N$1 000. The amount we will pay for a valid claim will depend on the actual policy premiums that we have received.

If there is a valid claim, payment will be limited to the following: 

•      Children 14 years or older – 100% of your cover amount.

•     Children between 6 and 13 years – 50% of your cover amount up to N$30 000.

•     Children between 1 and 5 years – 25% of your cover amount up to N$10 000.

•    Children younger than 1 year – 12,5% of your cover amount up to NS2 500.

Domestic workers

To qualify for cover, they must be at least 15 but not older than 65 years old. You can add them to your policy even if you are not an insured person. 

Each domestic worker will receive their own policy schedule, which will specify their beneficiaries. You, as the policyholder, may not be your domestic workers’ beneficiary. 

The maximum cover for domestic workers is 100% of your cover amount (if you are an insured person) or N$15 000, whichever is less. The minimum cover is N$2 000. The amount we will pay for a valid claim will depend on the actual policy premiums that we have received.

Beneficiaries

Your beneficiary

You must nominate a beneficiary for your policy. That is the person who will receive the money from this policy should you die.

If you do not nominate a beneficiary and you die, the money will go to the first qualifying person insured under your policy in the following order:

•         Your first spouse. 

•         Your oldest child. 

•         Your oldest parent.

If we cannot pay out the money to them, it will be paid to:

•         your spouse who is not insured under this policy; 

•         your oldest child who is not insured under this policy; or

•         your oldest parent who is not insured under this policy.

If we cannot pay out the money to them, it will be paid to your estate. 

All the payments we make will be in Namibian Dollar, without interest. We will pay the money into a Namibian bank account only.

Your domestic workers’ beneficiaries 

If you added a domestic worker to your policy, you cannot be their beneficiary. Domestic workers must nominate their own beneficiaries. If they do not nominate someone, we will pay the money to their estate. 

Special packages

Sometimes we may offer special packages. We then group the same insured persons or different insured persons together. The rules, eligibility and limitations of cover mentioned in the Benefit terms and conditions and Limited number of policies and maximum cover sections will still apply, but we will offer one special premium for the entire package. Every time we offer a package like this, the special terms and conditions that apply to the package will be an addendum to the ‘special package’ section of your policy. For now, we only offer the immediate family package.

Immediate family package

This package offers cover for one spouse and five minor children for a specified premium on condition that you are an insured person too. 

The same terms and conditions for spouses and children apply, except for the following:

•     The cover amount is limited to 100% of your cover amount or N$40 000, whichever is less. The minimum cover is N$5 000. In terms of legislation, extra limits apply to minor children, depending on how old they are when you claim. Please check your policy schedule for these limits.  

•     Once the minor children turn 21, we will move them to the adult-child category automatically.

•     Your premium will not increase.

•     If you do not add five minor children at once, you can add them later. 

•     Once you have insured a minor child, you cannot insure another minor child when the first child turns 21. 

•     If an insured minor child under this special package dies (regardless of whether we pay the claim or not), you cannot add another minor child to your policy.

•     If an insured spouse under this special package dies (regardless of whether we pay the claim or not), you cannot add another spouse to your policy. 

•     A female policyholder or female spouse automatically qualifies for stillborn cover.

•     If you have more than five minor children, you can add them, but we will treat them according to the Children section under Benefit terms and conditions, and you will have to pay a separate premium for them. 

•         A maximum of 30 people can be insured, with each person taking up one space on the policy. You can have more than one immediate family package, on condition that you have enough space available under this policy.

Section 3: Optional benefits 

You can choose to add optional benefits to your policy. These benefits must be linked to one or more insured persons under your policy. Your optional benefits will also be listed in your policy schedule.  

We may introduce new optional benefits or cancel existing ones. If we do, we will let you know. 

Family supporter benefit

You can choose this benefit only if you are an insured person too, and you must be 65 or younger at the time. 

The purpose of this benefit is to give your family a monthly income for a fixed period after you have died to help them with everyday expenses. 

We explain the amount and the period that we will pay this benefit in your policy schedule, and we will pay the money to your beneficiary. The amount we will pay for a valid claim will depend on the policy premiums that we have received.

The same waiting periods as your funeral cover apply to this benefit. 

This benefit and the premium for this benefit will end when:

•     your policy ends; 

•     we have paid a valid claim for this benefit; or

•     you turn 66, whichever happens first.

Premium waiver benefit

You can choose this benefit only if you are an insured person too, and you must be 65 or younger at the time. 

The purpose of this benefit is to pay the premiums of this policy to give your family continuous cover after you have died. We explain the amount and the period that we will pay this benefit in your policy schedule. We will pay the premium automatically and will not pay the money to your beneficiary. While we pay this benefit, the policy may not be changed. Remember that the amount we will pay for a valid claim will depend on the actual policy premiums that we have received.

This benefit and the premium for this benefit will end when:

•     the policy ends;

•     we have paid a valid claim for this benefit; or

•     you turn 66; whichever happens first.

Cashback benefit

You can choose this benefit only if you are an insured person too, and you must be 65 or younger at the time. 

The purpose of this benefit is to give you cash back over regular intervals. You may cancel the cashback benefit and take it up again by letting us know in writing 30 days in advance. If you do this, the benefit will depend on the terms and conditions applicable at the time. 

How it works

You could get back 20% of your paid premiums every 3 years. You will receive the money only if all your premiums are up to date. We will pay the money into the account that we have on record for you at the time. 

If you reinstate your policy after it has lapsed and you have paid all the premiums, your cashback benefit will continue.

This benefit and the premium for this benefit will end when:

•      your policy ends; or

•      we have paid a funeral benefit for you. 

Important information 

If we pay out a claim and find that you gave us incorrect and incomplete information, you will have to pay the money back. If we must take legal action to recover the amount and our case is successful, you will also have to pay the legal costs.

NedNamibia Life Assurance Company Ltd (Reg No 2003/620) and NedPlan Insurance Brokers Namibia (Pty) Ltd (Reg No 2005/0214). Licensed financial services providers registered with NAMFISA (14/LT/17 and LB/0042, and SB/127) t/a Nedbank Insurance Namibia.

2                   Regulatory compliance

NedNamibia Life is a member of NASIA and subscribes to the applicable NASIA codes and standards. For any compliance or regulatory matters or any other applicable legislation, you can contact our compliance officer:

Compliance officer

Tel: +264 81 959 8934                                         Email: Compliance@Nedbank.com.na

3                  Claims procedure

If you have a claim, you must let our Claims Department know immediately.

Tel: +264 81 959 2876                                                            Email: Claims@nedbankinsurance.com.na

4                  Complaint’s procedure

We recommend that you take the following steps to resolve the problem:

First, try to resolve the problem by contacting our Nedbank Insurance Contact Centre.

Tel: +264 81 959 2213                                                              Email: ClientServices@nedbankinsurance.com.na

If you are still not satisfied, escalate the complaint to our complaint’s resolution officer.

Tel: +264 81 959 2213                          Email: Complaints@nedbankinsurance.com.na

If possible, you must send your complaint in writing. We will acknowledge receipt of your complaint within three working days. Our complaints resolution officer has 20 working days to resolve your complaint. We will notify you in writing of their decision. If a complaint is resolved in your favour, we will offer an appropriate solution or compensation. If your complaint is not resolved in your favour, we will tell you why. You can then refer the matter to the Officer Registrar of Long-term Insurance/NAMFISA if you wish to take the matter further. 

5         The Officer Registrar of Long-term Insurance/NAMFISA 

If you are still not satisfied with the outcome of the complaint that you have registered with our complaint’s resolution officer, you can contact the Officer Registrar of Long-term Insurance/NAMFISA:

Postal                              P O Box 21250 Windhoek

Tel: +264 290 5000                                                Email: www.namfisa.com.na

Important disclosures

·        Your policy wording, policy schedule and any other disclosure document that you receive from us will include important information about your policy, including how to claim. Please ensure that you read these documents carefully and that you understand them. If anything is unclear, ask us to explain it to you. If disclosures are given to you telephonically, you can ask for the recording of the call. 

·        Keep all the documents that you receive in a safe place. If you ask us, we must give you written or printed copies of all transactions.

·        Do not sign blank or partially completed documents. Complete documents in ink and keep copies. 

·        Do not be pressured to take out this policy. Nobody may force you to take out this policy or ask you to give up any rights that you have. When you apply for this policy, we must first do an analysis of your needs, and you may ask for a copy of the telephone conversation. 

·        If you do not give us relevant information or give us incorrect information, we may reject your claims. This includes information (oromissions) that indicates that you may have financial problems or that would increase the risk of your or the insured persons’ death. You must give us all the necessary and relevant information before and during the duration of your policy. 

·        The monthly premium amount that you must pay is set out in your policy schedule, and we explain what will happen if you do not pay your policy premiums. 

·        You are responsible to ensure that the cover amounts in your policy are enough and correct.

·        Make sure that you receive written confirmation of important changes to your policy and advice given to you.

·        Your personal information will be treated in a lawful manner. If we must process your information, we must first ask your permission. 

·        You have the right to access any of your personal information that we hold. If the information is incorrect, please let us know so that we can correct it.