Keep your schedule, full wording, proposal copy and renewal notice together. Ask how the policy addresses the situations you want covered.
- Check insured names, assets, dates and sums insured.
- Ask about exclusions, waiting periods and sub-limits.
- Understand deductibles, co-pay and relevant conditions.
- Review whether family or business circumstances have changed.
Ask for written clarification where wording is unclear. Different products have different terms; this checklist is not a statement of your coverage.
Educational only. No stock calls, fund ratings or forecasts. Personal circumstances and applicable policy or scheme terms matter.
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