· You should not cancell any existing protection policy unless advised to do so. Any existing policy if being replaced should not be cancelled until the new policy has been underwritten and premiums are being paid.

· All quotations provided are meant as a guide based on the information you have provided. All applications are subject to underwriting and thus the quoted premium is not guaranteed and is subject to change.

· Quotations provided are valid for a limited time only, after which time the product/premium will need to be requoted.

· When applying for a protection policy you should disclose all relevant facts that may be deemed relevant to the application process. Failure to disclose all relevant facts may make the policy nul and void in the event of a claim.

· Each provider has their own exclusion clauses that will invalidate a claim. You should read the Key Features Vooklet provided with any application to see what you will and will not be covered for.

· Please refer to your client specific illustration and Key Feature booklet for further information.

· Please refer to the company Terms of Business for our policy on cancellations. No charge will be made if you cancell within the “cooling Off” period.