Manage my policy

If your financial circumstances have changed since you took out your policy and you would now like to increase or reduce your premiums, or if you simply want to pay your premiums from a different bank account, please contact us and we’ll do everything we can to help.

We understand that, since you took out your policy, your financial circumstances may have changed. If this is the case and you are thinking of surrendering your policy, there are some important things to consider before you make a final decision:

• Not all policies have a surrender value so you may wish to contact us to see if your policy has a value.
• There may be a better option that you can take, including making your policy paid up, taking a partial surrender or selling your policy. To discuss your options, please call our dedicated Customer Care Team on 0345 938 0515*.
• If you surrender your policy early, you may have to pay surrender charges. If you are unsure whether your policy carries surrender charges, please contact us and we can let you know before you make your decision.

If you have already considered all of the above and still wish to surrender your policy, please contact us. We’ll let you know the steps you need to take to surrender your policy and send you details of your policy value together with our surrender request forms.

* Low call rates apply, although costs can vary between telecom providers. Opening hours are 8.30am to 5.30pm Monday to Friday.

Critical illness policies cover certain serious illnesses, so before you make a claim, please check your policy document to see exactly what you’re covered for. If you are unsure what you’re covered for, please contact us.

If you think you are entitled to claim, please contact us and we will send you a claim form. Once we receive your form, we will let you know if we need any more information before we make a decision about your claim.

If your policy conditions state that a claim may be declined, delayed or reduced if your illness or injury has been caused as a result of a complication during pregnancy or maternity, we no longer enforce this policy exclusion.

Income protection policies provide cover if you are unable to work as a result of ill health. Whether you are covered will depend on your policy terms and conditions and you should check your policy document to see exactly what you’re covered for before you make a claim. If you’re unsure what you are covered for, please contact us.

If you are entitled to claim, please contact us and we will send you a claim form. Once we receive your form we will let you know if there is any further information we require before we can make a decision about your claim.

If your policy conditions state that a claim may be declined, delayed or reduced if your illness or injury has been caused as a result of a complication during pregnancy or maternity, we no longer enforce this policy exclusion.

If you have a policy with an investment element, you may be able to change the fund your policy is invested in by either ‘switching’ your current investment into new fund(s) and / or by redirecting further payments you make to new fund(s).

Form to switch or redirect your investments
 
Whether you can make a switch or redirection will depend on your policy terms and conditions and you should check your policy document for further details specific to your policy. If you are unsure whether you can switch or redirect your investment, or if you aren’t sure which funds you are currently invested in, or which funds you can switch to, please contact us.