FAQ

Above all, buying a life insurance policy provides a peace of mind that lasts a lifetime. Providing you’re up to date with your premiums, your policy will pay out a lump sum on the event of your death; ensuring your loved ones receive some financial help after you’re gone.

Chances are, you’ve heard some of the factors that contribute to your overall quote. These include your age, lifestyle, medical history, and occupation. Of course, to ensure your plan is right for you, we will speak to you about every factor that we use to calculate your policy. Out of these points, we will then be able to offer you options which will suit any budget and amount of cover you would like.

Yes, you can. This is a popular option for many of our clients as it provides an extra degree of security for yourself and your loved ones. In fact, most plans nowadays come with critical illness cover built in, and Simplicity can combine multiple policies into your plan to give you the complete cover you want.

Of course. We know that life doesn’t function on a single wave. That’s why, at Simplicity, we automatically review your policy every 12 months. This way you don’t have to worry about your plan being best suited for your changing circumstances. If your situation changes, we are here to tailor your plan for you.

Each of these life insurances refer to the term agreed upon when you buy the policy.

Level term: a policy designed around a fixed period. If you die within this period, the policy will pay out.

Decreasing term: this type of policy refers to when the insurance term decreases over time.

Quite simply, it is entirely down to you. We are here to provide with you with as much cover as you feel you need to keep yourself and your loved ones secure. Feel free to come and speak to us about your options. 

We will automatically check up on our clients’ policies every year, so if there is a better rate we will inform you. Of course, if you wish to review your policies at any time, we’ll be happy to.

Quite simply, we have extensive experience in this sector. Our clients have found that bigger companies can be difficult to contend with when it comes to finding the best deal. We pride ourselves on being able to find the best rates for our clients and provide a face-to-face service.

We appreciate that well known companies are always going to be the first thing that springs to mind when looking for these services. However, we are competitive with the top names, and we also offer a hands-on approach to these services; meaning you will always be able to stay in touch with our team.