Life & Disability Insurance
What would you like to do?
At Exclusive Insurance Services, we can provide you with personal and business solutions when it comes to Life & Disability Insurance. Our focus here is to listen and understand your specific needs and tailor a solution to meet your requirements.
Frequently Asked Questions
To make a claim we suggest you contact our claims team as soon as possible. We may ask for additional information or paperwork to help your claim process.
Yes, we can help you find a policy to suit your needs, including disability, major illness and redundancy options.
Most applicants are accepted on the information that they have provided in a declaration of health. Occasionally an insurer will contact your doctor for further information, with your permission.
It is unlikely you will be asked for further health evidence, however insurers may contact your GP directly for health information. To ensure successful claims in the future it is important to disclose all relevant medical information in your application.
Yes, smoking will increase your insurance premium, even if you only smoke a few times a week or month. However if you successfully quit smoking for 12 months to apply to have your premium reduced.
If you or your family are dependant on your income to cover housing costs, food and other expenses and have no other means to support yourself if an illness or injury affects your ability to work for over 90 days, then you are an accurate candidate for disability insurance.
You should have enough coverage to pay for your living expenses e.g. rent/mortgage, food, utilities etc. A general rule is to match your monthly take home pay. It is possible to budget your living expenses but be aware of additional costs involved with illness and injuries e.g. travel to see medical professionals.
As with any insurance premiums, it is calculated through risk. It is dependant on a wide range of factors including gender, age, health, smoking, amount of cover and more.
If you fail to pay your premiums for a length of time (generally 3 months) your cover will end. If your details such as your bank account change, get in touch with us and we can apply any necessary changes to your policy.
Get in touch with us as soon as possible with any changes or updates and we can apply these to your policy or make any necessary changes for the future.