What does your policy cover?
Your adviser can help you find the right policy documents and explain who is covered, what protection you have and whether anything has changed.
INTERACTIVE GUIDE
What support could
be available to you?
Choose the question that matters today. Understand the types of support that may be relevant, what your documents can tell you and what still needs confirmation.
Critical illness
Could a policy provide a lump sum?
Your policy may offer a one-time payment for certain illnesses. What you can receive depends on your coverage and the insurer’s review.
Why does the wording matter?
Policies define illnesses in specific ways. Some also have waiting periods or other conditions. Ask your adviser to explain what those terms could mean for your situation.
What happens if you need to claim?
Contact your adviser or insurer for help with the process, documents and deadlines. They can explain what has been received, what is still needed and when the insurer has made a decision.
You don’t need to work through the paperwork alone. Ask your adviser to explain what is known, what is still being checked and what happens next.
Income protection
What could help replace interrupted income?
Disability coverage may replace part of your income if you cannot work. The amount and timing depend on your own coverage.
Where might you have cover?
You may have protection through work, a personal policy or both. Your adviser can help you understand which plans cover you.
How much could you receive?
Ask when payments could begin, how long they might last and whether other income would reduce them. The plan’s advertised maximum may not be your payment amount.
How can you plan while waiting?
It can help to plan around the money you are currently receiving while an application is being assessed. Ask for help if bills are becoming difficult to manage.
You don’t need to work through the paperwork alone. Ask your adviser to explain what is known, what is still being checked and what happens next.
Health & workplace benefits
What support may be available for care?
Workplace or personal health plans may help with eligible expenses. Each plan has its own limits and conditions.
What benefits do you have?
Your benefits provider can help you check that you are enrolled, which family members are included and how much cover remains.
Will an expense be covered?
Before paying for a service, ask whether it is eligible, whether approval is needed and how much the plan may reimburse. If you have two plans, ask how they work together.
What should you keep?
Keep receipts and messages from the provider in one place. If an answer is unclear, ask what is needed before the expense can be assessed.
You don’t need to work through the paperwork alone. Ask your adviser to explain what is known, what is still being checked and what happens next.
Accident-related support
Where could support come from after an accident?
Different insurance contracts can address different needs.
Which policies might help?
Depending on what happened, workplace, car or other insurance may be relevant. Your adviser or insurer can help you work out whom to contact.
Which version of your cover applies?
Coverage can change over time. The insurer can help identify the policy that applied when the accident happened and explain any relevant changes.
What support can you count on?
The amounts shown on an insurance summary are not necessarily money available to spend. Ask the insurer what each benefit covers and whether a payment has been approved.
You don’t need to work through the paperwork alone. Ask your adviser to explain what is known, what is still being checked and what happens next.
Life insurance
How do protection and policy values differ?
Understanding whom a policy protects—and what it is intended to do—can make family planning feel clearer.
Who is protected?
Your adviser can walk you through each policy: whose life is insured, who owns it and who is named to receive the benefit. Tell them if your family circumstances have changed.
What do the different values mean?
A payment on death, money available if you end a policy and benefits payable during life are different things. Ask which amounts apply to your policy and when.
Thinking about a change?
Before changing or ending a policy, talk through what protection you would keep, what you could lose and any costs or tax consequences.
You don’t need to work through the paperwork alone. Ask your adviser to explain what is known, what is still being checked and what happens next.
Household finances
What needs attention with the bills?
When finances feel overwhelming, start with what is coming in and what needs to be paid next.
What money is coming in?
Make a simple list of the income you currently receive. Keep possible insurance payments separate until you know whether and when they will be paid.
Which bills need attention?
List regular bills and when they are due. Some are monthly, others annual or less predictable. Getting them in one place can help make the picture clearer.
Where should you start?
You don’t have to solve everything at once. Start with the most urgent question, then ask for help working out the next practical step.
You don’t need to work through the paperwork alone. Ask your adviser to explain what is known, what is still being checked and what happens next.