We’ve put together some answers to frequently asked questions, use the links below to browse topics or use our search option to find the information you are looking for. If your question hasn’t been answered, get in touch with us at info@cignpostlife.co.uk.
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With our unique online application, your customers can secure life insurance after answering just 5 yes/no medical history questions.
We pay commission for every sale you complete providing you with an additional revenue stream.
Cignpost Term Life Insurance can offer cover for residents of the UK (excluding the Channel Islands and Isle of Man).
Our online product is available for customers aged between 18 and 54 who are looking to purchase up to £250,000 of term life insurance.
Cignpost Term Life cover
Cignpost Critical Illness cover
Terminal illness cover is included as standard for the full duration of the policy.
Cignpost Life Additional Critical Illness Cover is included in our Cignpost Critical Illness cover automatically.
It means that if your customer has Cignpost Critical Illness cover and they are diagnosed with one of the additional critical illnesses and survive that diagnosis for 28 days, we’ll make a payout. Please note that your customer can only claim for the Cignpost Life Additional Critical Illness Cover if they have not made a claim for full Cignpost Critical Illness.
The additional payout is the lower of 25% of their Cignpost Critical Illness cover amount or £25,000. This doesn’t reduce their Cignpost Critical Illness cover amount and it will only be paid once for each person covered.
We all hope it won’t happen, but this means that if your customers childred were to be diagnosed with one of the conditions listed in our product terms, we will pay the Children's Critical Illness Cover amount of £25,000 or 50% of their Cignpost Critical Illness cover amount.
The Children's Critical Illness Cover amount can be claimed once per child, for up to 3 children. This will not affect your customers Cignpost Critical Illness cover.
Our For Advisers product is available for clients aged between 18 and 65 who are looking to purchase up to £750,000 of term life insurance.
If the client moves outside of the UK, the policy can remain active if the premiums continue to be paid from a UK bank account in the name of the policy holder.
Your client’s monthly premiums will be waived if they meet the required definition of incapacity for 26 consecutive weeks.
Please ask them to let us know if they change:
If your customers would like to reduce their cover, premium or policy term, this should be possible on their existing policy. If they reduce the amount of cover, or shorten the term, and then want to increase them again in the future, they will have to apply for a new policy at that time.
If they would like to increase the cover amount, an additional plan will be needed for the extra cover amount (subject to further underwriting).
Please contact us for more details.
If your customers stops paying their premiums, we will write to them to inform them and if they do not resume paying their premiums, their cover will end and they won’t get anything back.
We will write to them to inform them of all missed premium payments. They can pay a missed premium by calling us on 0330 123 3747 and making a card payment over the phone. We will also notify you by sending a regular missed payment report including the details of any missed payments from that week so you can contact your customers to discuss their options.
A claim can be made by calling us on 0330 123 3747 or by writing to us at: Freepost Cignpost Life Customer Service.
Once we are aware of a claim, our experienced team will keep your customer updated at each stage, to make it as simple and hassle free as possible. For more details, please see our claims page.
For Critical Illness Cover claims, we will require medical evidence from a qualified doctor from the United Kingdom or any country in the European Union, Switzerland, Iceland, Norway, USA, Canada, Australia, New Zealand, the Isle of Man or the Channel Islands. We will act reasonably if evidence is presented from other countries – our claims experts will talk you through the process so it is as stress free as possible.
