Is a life insurance application re-assessed each year like car insurance?

Is a life insurance application assessed each year like car insurance?

No.  An application for personal insurance is assessed once and then the policy is issued. It's yours for the life of the product. Because it is assessed only once, it can’t be forcibly changed on you.

  • Personal Insurance policies are guaranteed renewable. (As long as you pay the premiums, the policy is yours to keep regardless of any change in your health, your occupation or health status). That's complete peace of mind.
  • General Insurance policies usually have to be re-issued every year. Because they usually only last a year, they have to be re-applied and re-assessed annually too. This means that as your situation changes, you may no longer qualify to be insured with one of these general insurance products.

The sooner you get your personal insurance in place, we believe the better off you'll be.


FAQ Message requested

Didn't find the answer you were looking for? Send us a note and ask your question!


To whom do we have the pleasure of chatting with?
Invalid Input

18/1000

Invalid Input
What, you're not human?



Take Our Anonymous Online Pre‑assessment

Find out in 60 seconds if your personal situation is one we can work with.

Take Our Pre-assessment

Take Our Anonymous Pre-assessment

Whatever your situation, we can help you

  • Single

    Age is no indicator of relationship status or financial responsibility.

    • You can be young and starting out or older and established; and both enjoying living the single life.
    • You might be single, single again, sometimes single, single with kids, single with pets or perhaps something a little more complicated.

    When it comes to being single in the LGBTI community, there's really no such thing as average.

    And it's your single life, so live it your way.

    Read more...
  • Partnered

    Sharing life and love with someone can be twice as exciting.

    • You might be partnered, partnered with pets, officially de facto, officially married (yay!), splitting expenses but sharing life, or joining incomes and combining financial lives too.
    • You might be together but living apart, working towards a future with kids, thinking about fostering, adopting, IVF or surrogacy; or perhaps something a little more complicated.

    When it comes to being partnered in the LGBTI community, there's really no such thing as average.

    There's no right or wrong way to live a purposeful life, just what works for you both.

    Read more...
  • Parenting

    For today's LBGTI families, there are no accidental families.

    • You might be parenting and single with kids, parenting and partnered with kids, (yours, theirs and ours), dual parents with kids, co-parents, foster parents, adoptive parents, or even adoptive parents of kids with additional needs (just beautiful!).
    • You might be a lesbian co-parenting couple or super involved Guncles or Aunties. You might not even identify with the broader LGBTI community but find yourself a parent in a same-sex relationship; or perhaps something a little more complicated.

    When it comes to parenting in the LGBTI community, there's really no such thing as average.

    However you're doing it, Love makes a family.

    Read more...