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Policy Holder Services Q&A

Once you have the life insurance policy in your hand, it′s important to be aware of things you can do as a policyholder. These additional questions and answers will help you manage your existing life insurance policy.

If you are an existing policyholder, here are a few pointers to help you amend your cover or make a claim with ease.

  1. Always remember your premium due dates to avoid a policy lapse.
  2. Always insist on a receipt as a proof of payment.
  3. Ensure your age is stated correctly in the proposal. The life insurance company will pay an amount equal to the insurance ,the premium would have bought, at the age stated in the document.
  4. Review your insurance needs regularly for adequate cover.
  5. Keep your policy in a safe place until the life insurance policy money is received.
  6. Keep basic details of your policy such as the type of policy, policy number and names of nominees in a separate
  7. Always keep the nomination under your policy alive. It helps during unforeseen difficulties and saves your near and dear ones from avoidable hassles.
  8. Always intimate change in address to insurance company immediately
  9. If your policy is assigned for a loan, ensure that the reassignment notice is sent to insurance company and is noted by them after the loan is repaid. Also make sure that reassigned policy is received back from the lender. Fresh nomination may also be needed in such a case.
  10. Always clarify any doubts you have about your policy with the life insurance company.
>  How do I change my life insurance beneficiary?

Changing your life insurance beneficiary is a simple process. But before taking this measure, make sure you're doing it for the right reasons. For example, if you lost your spouse to death or divorce or your youngest child is now grown, it may make sense to change your life insurance beneficiary. Whatever the reason for the change, make sure the people who depend on your financially are protected by the proceeds of your life insurance policy.

To change your life insurance beneficiary, just call your agent or carrier and follow the steps required. It's a quick and easy process.

>  I have changed my name, home address, phone number, etc., how do I update this information on my life insurance policy?

Keeping your personal information up to date is extremely important. This will ensure that you are contacted by the right name and at the right place if your agent or carrier needs to speak with you regarding your life insurance policy.
Simply call your agent or life insurance carrier if any of your personal information has changed since you first purchased your policy. This is one reason why it′s important to conduct a life insurance policy review regularly.

>  How can the ownership of a life insurance policy be changed?

If you want to change the ownership of your existing life insurance policy, you'll need to fill out a Transfer of Ownership form. This form can be obtained from your agent or life insurance carrier.

>  How do I cancel my life insurance policy?

Before cancelling your existing life insurance policy, make sure there′s no more need for it in your overall financial plan. This means:
  • No one depends on you financially
  • You have money saved for final expenses
  • You don′t have loan or taxes
If after double checking that there's no need for life insurance in your overall financial plan, it's easy to cancel your policy. Just call the life insurance company you're insured with and tell them you'd like to cancel your policy, or simply stop paying your premiums. By simply not paying your premiums, your policy will lapse.
Disability Insurance

You insure your material possessions - your home and car, for example. But have you insured your most valuable asset?

The One Most Important Thing You Should Insure

It's something we all take for granted. The ability to work. Just think about it. What would you do if you weren't able to earn money for 90 days, a year or even longer? How would you pay for your mortgage, food, cars and other bills? How long could you and your family survive?

Counting on group disability coverage...think again

If you're counting on your group disability insurance, you may want to take a closer look. Your employer or group disability insurance plan may not be all you think it is. One overwhelming disadvantage of group disability insurance is that it can be reduced or even terminated if you leave your current employer.

Important features of disability income policies that should include:

  • Non-cancelable - The policy's premium can never be raised above the amount shown in the policy, and benefits may not be reduced - as long as premiums are paid on time.
  • Guaranteed renewable - You have the right to renew the policy with the same benefits, but the insurer can increase your premiums - as long as they are increased for all other policyholders in the same class (i.e., having the same characteristics).

Obtain peace of mind knowing that your family's financial security would still be protected even if you were unable to earn an income due to a disability.

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