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Mortgage Endowment Enquiries
we deal with any concerns you may have about your endowment policy not reaching the amount required to pay off your mortgage.

Group Schemes
we deal with most enquiries on and changes to Group Scheme policies. Your policy is likely to be handled by us if:

• Your Homeguard policy was issued under a special arrangement with a Building Society or Bank and was assigned to the third party to cover a mortgage amount at outset, or
• Your Homebuilder or Endowment policy premiums are paid together with your mortgage payments.

Customer Support Services
we deal with customers' general enquiries.

Financial Adviser Support
we deal with Financial Advisers' general enquiries.

Plan Servicing
we process changes to all individual life policies.

Claims
we pay out benefits on life policies in the event of maturity, surrender, illness or death.

Please select the appropriate section.

Mortgage Endowment Team

If you have concerns about your endowment policy, whether it is an individual or a Group Scheme policy, reaching the amount required to pay off your mortgage, we are here to help you.

You can contact us at:

Group Schemes

We deal with most enquiries on and all changes to your Group Scheme life policy.

Examples of what the Group Schemes Unit deal with are:

• General queries relating to the policies
• Change of name, eg marriage, divorce
• Switch of funds in which your premiums are invested ( if applicable )
• Change of bank account
• Copy Certificates
• Changes to the policy when the mortgage is repaid.

You can contact us at:

Customer Support Services

You can contact us at:

Financial Adviser Support

You can contact us at:

Plan Servicing

Freedom Servicing

Examples of changes you can make are:

• Change to your contribution level, including stopping or restarting
• Change of your name eg marriage, divorce
• Switch of funds in which your contributions are invested
• Placing benefits under trust or by way of assignment to a third party
• Change of Bank Account
• Adding or removing another person to or from your plan
• Change to any of your benefits held under your plan.

You can contact us at:

Life Servicing

Examples of changes you can make are:

• Change of your name eg marriage, divorce
• Switch of funds in which your premiums are invested in
• Placing benefits under trust or by way of assignment to a third party
• Change of Bank Account
• Adding or removing another person to or from your policy
• Change to the frequency of your premiums.

You can contact us at:

Claims:

Please select the appropriate section.

Death Claims

We are dedicated to settling your claim under a life protection policy. Once we have received notification of your claim an Administrator will be assigned to your case and will deal with your claim through to settlement.

We have simplified the claims process to make the procedure as easy as possible at this difficult time. We are a small team and are here to help you.

Health Claims

This team of claim assessors deal with all aspects of Critical Illness, Total and Permanent Disability, Waiver of Premium and individual Income Protection Claims.

We appreciate all health claims are different and require personal attention, and for this reason when you submit your claim you will be assigned a personal claims assessor who will deal with your claim throughout.

You can contact us at:

Surrender Claims

The Surrender Claims Department deals with requests for surrender claim forms on life policies and investment bonds and the subsequent processing and settlement of claims.

You can contact us at:

Maturities

A team of Administrators dealing with the prompt settlement of policies at the Maturity Date.

If you have a policy that will mature in the near future, then 2 to 4 weeks prior to maturity, an Administrator will write to you to advise you of the estimated maturity value of your policy and any requirements we need to make payment.

To ensure we are able to contact you in time, please notify us of any change in address not previously notified.

You can contact us at: