Product Disclosure - Limitations, reductions, exclusions
Before settling any claims, we will require evidence that is satisfactory to us. We will deduct any amount owed to us from the policy proceeds before settling any claims.
Contract validity
The validity of the contract is conditional upon the accurate representation of the facts required by us to issue or reinstate the policy. Any misrepresentation related to medical condition and smoking habits in the application or any document related to the contract may cause the policy/coverage to be terminated and we can contest the validity of the claim.
Also, if any misstatement of age or sex is made in an application, we will adjust the sum insured before determining the death benefit payable and the coverage will be terminated based on the true age of the insured.
Sales Support
- Forms
- Marketing Material
- Underwriting Guide
- Life Insurance Needs Analysis Form
- Life Insurance
- Life Insurance - JET service
- Contract Provisions
- Rate Tables
- Product features and benefits
- Guaranteed and Non-Guaranteed Product Features
- Premiums and fees information
- Limitations, reductions, exclusions
- Consumer rights and responsibilities
- Effective date of coverage
- Predetermined Portfolio Accounts - Tactical Asset Allocation
- Quarterly Account Sheets
Administrative Guidelines:
