How do I find out how much I'll get when my policy matures?
You can request a forecast of your policy's maturity value by getting in touch quoting your policy number. Your policy's actual maturity value will be available on the maturity date.
How do I know what benefits I have on my policy?
Details of the benefits covered by your policy are shown on your latest annual statement. Or get in touch quoting your policy number.
Does my policy have any guarantees?
If your policy has any guarantees, you'll find details on your latest annual statement. Or get in touch quoting your policy number.
How to make a claim on the death of loved one?
We recognise it's a difficult time when a claim is set in motion, which is why we aim to make the process as simple and stress-free as possible.
Contact us by telephone or in writing. To find out which telephone number or postal address to use, please Contact us.
We'll send a letter to you or your designated contact, detailing the information and/or documents needed.
On receipt of the information and/or documents, we'll process the paperwork and get back in touch should any questions arise.
Once the paperwork is complete, we'll be in touch to confirm the outcome of the claim.
Make a payment if appropriate.
What happens at maturity if my policy is legally tied to a mortgage lender?
If the money from your policy is to be paid directly to your mortgage lender, they will need to authorise the 'Payment instruction form', which we will provide. This will give us the information we need to transfer the money to your lender.
What should I do if my policy is no longer legally tied to my mortgage lender?
Please contact them to ask for a letter confirming they no longer have an interest in your policy. If you no longer have details of your mortgage lender, please contact us and we'll do our best to help.
What happens to my money if I do nothing at the maturity date?
Your policy will no longer be active or ‘in force’ from the maturity date and so your benefits will come to an end and your money will be held in a cash account until we hear from you.
What are the alternatives to surrendering my policy?
There may be alternatives to surrendering your policy depending on the type of policy you have with us.
- Take a payment holiday
- Withdraw part of your policy
- Sell your policy
- Switch your investment funds
- Reduce your monthly payments
- Stop paying into your policy.
Your current policy drives which of these options, if any, will be available to you. See our guide 'Your surrender process explained' to find out more or call us to help you find an outcome that works for you.