Duly-filled proposal form

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Q: What is the difference between the Policyholder and Assured Lives? 

A: The Policyholder is the person who initiates the policy and is responsible for the payment of premiums. The Assured Lives are the lives assured or covered within the policy and include the Policyholder.

Q: What is the duration of the Policy (Policy Period)?

A: The policy will continue to be active as long as the Policyholder is alive, provided required premiums are paid.

Q: Do I have to keep paying for the rest of my life?

A: No. Once you have paid all premiums due as per your chosen Premium Payment Term, you will no longer pay any further premium, and you will continue to enjoy the full policy benefits for the life of the Policyholder.

Q: What is the difference between the Policy Period and Premium Payment Period?

A: Policy period is the period in which the lives in the Policy are under cover and the Premium Payment Period is the time within which all premiums payable are expected to be paid.

Q: Can I change my benefit amount after the policy has commenced? 


A: Yes, however, once the benefit amount is chosen at inception, it cannot be increased. It can only be reduced.

Q: Can the number of persons covered be changed after the Policy commences? 


A: Yes, however, this is only applicable at the instance of marriage or re-marriage.

Q: What happens if the Policyholder dies? 


A: The policy terminates when the policyholder dies. However, the policy remains active if any other assured person dies.

Q: Can the Policy be re-incepted after the death of the Policyholder?

A: No. However, a new policy can be incepted by someone else to cover the same lives, subject to eligibility of the lives being covered.

Q: Can I include my extended family as part of the Assured Lives?

A: No. Only spouses, parents, and parents-in-law can be covered on this plan.