Your premium is determined through a process called underwriting. It may sound complicated, but underwriting is essentially the process your insurance provider uses to determine your risk status. This in turn affects your cover amount and monthly premiums, and establishes whether any terms and conditions apply to your policy.

To help our underwriters calculate your status, you’ll be asked to supply information relating to your health, medical history, occupation and financial situation as well as details about where you’ve travelled or plan to travel and any potentially dangerous activities you participate in. You may also be required to complete a medical test.

Our underwriting process is designed to ensure that you pay a fair premium for the full term of your cover and that your beneficiaries are able to claim confidently when the time comes. As carrying more risk for our clients forms part of our underwriting philosophy, your policy will remain unaffected should you change your occupation or smoking habits or take up risky activities after it has been issued.