There is a 30-day cooling-off period, where you can cancel your policy and receive a full refund if you change your mind.
Finding the right level of life insurance cover depends on your own individual circumstances. When deciding how much cover you need, you should consider your stage of life, whether you have dependants, your debt levels and the ongoing needs of your family and loved ones.
Here is an online calculator that may be able to help you.
For income protection insurance the level of income protection insurance cover available is limited to 75% of your income.
For life insurance
For income protection insurance
Yes. You can decrease your cover (subject to the minimum Sum Insured or premium requirements) at any time by contacting us. You can apply to increase your cover (up to the maximum amount, up to75% of your income to a maximum of $10,000* per month) at any time. To increase your cover you may need to answer some additional health and lifestyle questions.