Terms & Conditions

Where policies are paid monthly, and are paid in full for a period of 12 months or more, we will refund you up to 75% of the first year’s premium (before government levy), paid 13 months after the commencement date of the policy.

Where policies are paid yearly, and the premium has been paid in full, we will refund you up to 75% of the first year’s premium (before government levy), paid 6 weeks after the commencement date of the policy.

The refund is in the form of a cheque made payable to you, which will be issued at the relevant date as determined by the policy payment frequency (monthly/yearly).

Where the term of the policy is less than 10 years, the rebate to you will be 6.75% of the premium X the term of the policy.

So once the term is 10 years or more, your rebate will be the full 75% of the first year's premium paid on all Mortgage Protection, Term Life Assurance and Term Specified Illness policies.

Premiums quoted are subject to confirmation by insurers, errors and omissions excluded.