Can I cancel my critical illness policy at any time?
Yes, you can. You have a 30-day cooling-off period from your policy start date, or from when you get your policy documents (whichever is later), to change your mind. If you cancel within this time, we'll refund any premiums you've paid. Remember, there’s no cash value, and if you cancel your policy, you won't be able to make a claim.
If you want to cancel the policy after the cooling-off period ends, your premiums won’t be refunded.
If you're thinking of cancelling your policy, please contact us. , or write to Aviva Life, Norwich BCC, PO Box 520, Norwich, NR1 3WG.
If your policy was previously with Friends Life, check your policy documents or contact us.
Do I need protection?
Whether your insurance policy is to cover critical illness, loss of income or death, protection policies can help to protect you and your loved ones against life’s uncertainties. It's up to you to consider the type and level of protection that you might need. Talk to a financial adviser if you’re unsure.
I have a mortgage. Do I need critical illness cover?
You don’t have to buy a critical illness policy when you take out a mortgage, although our Critical Illness Plan could provide a lump sum payment that could help cover any mortgage repayments if you’re diagnosed with a critical illness that’s covered by the policy during the policy term. Lenders are likely to ask you to get life insurance as part of their mortgage offer.
I've stopped smoking/I've started smoking – do I need to tell you?
No. Your cover is based on your smoker status when you applied. As long as the information was accurate at the time, your premiums are guaranteed, regardless of any changes to your personal health.
If your policy was previously with Friends Life, this may not apply, so check your policy documents or contact us.
Should I have the same level of cover for my life insurance and critical illness cover?
Not necessarily. They’re separate policies, and you don’t have to choose the same level of cover for both.
Everyone's different, so it’s up to you to decide which policy, or combination of policies, is right for you. You could ask a financial adviser if you’re unsure.
Critical Illness cover pays out if you’re diagnosed with a critical illness that meets the policy definition during the term of the policy and survive for at least 10 days. Life insurance pays out if you die, or are diagnosed with a terminal illness and are not expected to live for longer than 12 months, during the policy term.
If your policy was previously with Friends Life, see your policy documents or contact us.
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