Be aware of exclusion clauses in your policy…..

Your life assurance policy protects you in the event of death, disability and dreaded diseases. It is a cost-effective way of making provisions if you do not have the capital to provide for any of these life-changing events. However, T&Cs apply…

Why are exclusion clauses applied?

Exclusion clauses are normally legitimately included in life assurance policies to stop policyholders from making fraudulent claims, such as deliberately shooting themselves in the foot so they can receive a disability benefit. So they protect the financial well-being of the company as it relies on claims paid out to be covered by premiums collected.

Underwriting evaluates risk

Life Assurance Companies consider your lifestyle habits when underwriting your application. They essentially evaluate the risk that they are taking relative to the benefits being applied for. For example, a news correspondent in a war zone poses a much more serious risk to the assurer than a receptionist in a beauty salon..

The assurer will also consider habits such as smoking and drinking in conjunction with your medical history. 

Changes in your life may obligate you

Now, what you need to be aware of is the fine print in some policies which may obligate you to inform the assurer of any changes to your job or lifestyle habits. For example, if you take up sky diving or any other hazardous pursuits you should check with your assurer that you are covered. 

Pre-existing conditions 

Be very aware of policies which do not require any medicals. They probably exclude any pre-existing medical conditions. If you are not aware of this you may think you have cover which is not actually there.

The suicide clause

A common exclusion clause in the assurance industry is for suicide which most companies apply for a period of two years. However, be aware of the definitions in your policy as some exclusions clauses use wider terminology such as ‘self-inflicted injury’ which could have far more reaching interpretations to a claim.

Intentionally breaking the law

Another example is, say, you go out and drink too much, drive home too fast on worn tyres and are seriously injured in an accident. Your life assurance company may repudiate a disability claim on the contravention of an exclusion clause stating you may not intentionally break the law. Drinking and driving is a criminal offence and so is breaking the speed limit as well as driving a vehicle which is not road worthy.

Changing policies needs careful attention 

So be aware of the exclusion clauses imposed upon you in your policy. This also speaks to the importance of comparing the differences in definitions when changing policies. Older policies may have fewer restricting clauses than newer ones. The law leans in favour of the assurer at the end of the day so you need to understand the conditions of your cover as much as you can,

1,900 thoughts on “Be aware of exclusion clauses in your policy…..

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  171. An impressive share! I have just forwarded this onto a co-worker who has been conducting a little homework on this. And he actually bought me lunch simply because I discovered it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanks for spending the time to talk about this issue here on your blog.

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  173. When I initially left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and from now on each time a comment is added I recieve four emails with the same comment. There has to be a way you are able to remove me from that service? Appreciate it.

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  182. When I initially commented I seem to have clicked on the -Notify me when new comments are added- checkbox and from now on whenever a comment is added I get 4 emails with the exact same comment. Is there an easy method you are able to remove me from that service? Thanks a lot.

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  185. After I originally left a comment I seem to have clicked on the -Notify me when new comments are added- checkbox and from now on every time a comment is added I receive 4 emails with the exact same comment. There has to be an easy method you are able to remove me from that service? Thank you.

  186. Can I simply say what a comfort to discover a person that actually understands what they are discussing on the web. You actually realize how to bring an issue to light and make it important. More people ought to look at this and understand this side of the story. I can’t believe you’re not more popular because you certainly possess the gift.

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  188. I’m amazed, I must say. Rarely do I encounter a blog that’s equally educative and entertaining, and without a doubt, you’ve hit the nail on the head. The problem is something which not enough men and women are speaking intelligently about. I am very happy I came across this during my hunt for something relating to this.

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