Insure Me Now Life Insurance

At the time of writing, Insure Me Now does not have an online portal for its life insurance product.

You or your beneficiaries should firstly call Insure Me Now to advise them of the impending claim. Insure Me Now can run you through the claims process and organise to send a claims pack to you. Alternatively, you can download a claims form on the Insure Me Now website.

You must then complete the claims form and send a copy of the completed form and any documentation to Insure Me Now by email and send the original to Insure Me Now by mail.

Before you submit a claim, you may need to have certain details on hand, such as:

• Your policy information
• Information about the incident, if applicable (date, time, place)
• Original birth certificate and death certificate if the claim relates to somebody’s death
• Medical reports, test/examination/laboratory results, if applicable

If your insurance claim is approved, Insure Me Now will arrange the payment of your benefit to your nominated beneficiary.

Generally speaking, premiums for forms of life insurance such as term life insurance, total and permanent disability (TPD) insurance or trauma insurance may not be tax deductible, according to the Australian Taxation Office (ATO). Ask your tax accountant or financial adviser for more details on this.

Insure Me Now charges stepped premiums, which increase as you age. Inflation-based increases may also apply.

When you apply for Insure Me Now Life Insurance, your insurance premium is calculated based on factors such as your chosen benefits and level of cover, your age, your gender, your smoker status, your occupation and pastimes, and your health.

The cost of your premium is recalculated each year on your policy’s anniversary, so your premium may increase for your particular age bracket or your occupation category.

At the time of writing, no medical or blood tests are required to apply for Insure Me Now Life Insurance. However, in the event of a claim, Insure Me Now may require medical evidence including any tests or medical results.

Once you’ve applied for cover, Insure Me Now will contact you if a medical examination is required throughout the claims process.

After buying an Insure Me Now Life Insurance policy, you can apply to increase the amount of your cover. You may apply to add benefits for TPD and trauma cover if you are between 18 and 59 years. Your application to increase your cover will be subject to the same eligibility criteria that Insure Me Now uses to assess your eligibility for its product initially.

You may be able to change your level of cover by adding or removing features or coverage, and by increasing or decreasing your sum insured for each type of cover included in your life insurance policy. If you wish to change your policy inclusions, contact Insure Me Now to discuss your options.

Keep in mind that increasing your level of cover is likely to result in you having to pay a higher insurance premium.

This may depend on the condition and policy you decide to take out. When applying for Insure Me Now Life Insurance, you must disclose (tell Insure Me Now about) any pre-existing medical conditions you have now or had in the past, as well as current medications and health issues.

Insure Me Now was founded in 2012 and is a 100% Australian-owned and operated company.

Insurance products offered by Insure Me Now are underwritten by Hannover Re Group, one of the largest life reinsurers in the world. Hannover’s life insurance business has been operating in Australia since 1958.