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Why are the conditions that I’m covered for and terms of my contract only guaranteed for a year?

Our principle is that we will always have one version of all benefits that we offer.  Whatever we sell to new clients at that stage, will also be provided to our existing clients on their benefit anniversary. For example, let's say a new hectic strain of Ebola breaks out 😷 that we want to cover clients for in our Overcome benefit. If you bought a policy 5 years ago, it would be pretty unfair for us to offer cover against Ebola to new clients but not to you. Right? 

Which is why we have a principle that the terms (benefit features, policy rules and premium rates) that we offer new clients are also given to existing clients.

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