Answered by Oliver Evans
Exclusion period for Life Insurance explained
With life insurance there are no initial exclusion periods. Once the policy is in force you are covered and the claim will be paid if you die within the policy term.
However, there can be initial exclusion periods applied on payouts for suicide. Some insurers require you to have the policy in place for 12 months before they will payout due to a suicide.
Speak to an adviser
It is important to talk with an adviser if you have any questions like these as each insurer can have their own rules regarding certain circumstances and the adviser can make you aware of these fully before purchasing any policy.
Frequently Asked Life Insurance Questions
Rauri was easy to talk to. Explained everything really well. Took prompt action when requested and was in touch when he said he would be without being pushy.
Excellent service. Oliver was very helpful and patient with me. He gave me knowledgeable advise describing the product details clearly. His communication was prompt and precise! Great customer service!
Josh made a complicated process easy and I was kept informed throughout. I will be recommending Drewberry to every one who asks and even those who don't.