Top Tips

• Insurance policies are legal contracts. Read and compare the policies you are considering before you buy one, and make sure you understand all of the terms and conditions.
• Make sure that you can afford the premiums. The chances are you may not get back the amount you have invested if you surrender the policy early.
• Compare and contrast the types of products on offer and the costs involved to ensure that you get the policy and cover that suits you best.
• Don't miss any premiums. If you stop paying your premiums at any time your policy will end, so if you were to die or be diagnosed as having a terminal illness, no benefits would be payable