ANZ life insurance lapse rates ‘stable’ - IFA
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Letting a life insurance policy lapse can quietly undo years of protection and planning. Here’s why it matters so much-plain and practical. 1. You lose the protection your family depends on If a policy lapses, coverage stops. If something happens after that point, there is no payout, no matter how long you paid premiums before. The safety net is gone. 2. Getting coverage again can cost more—or be impossible When you reapply, you’re older and your health may have changed. That can mean: * Higher
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What happens if you miss your health or life insurance premium? Here’s what you risk: 🔸 Policy Lapse – Your coverage ends, and you lose all protection. 🔸 Claim Rejection – Insurer can deny claims if the policy isn’t active. 🔸 Loss of Benefits – No-claim bonuses, waiting period progress, or accumulated value (in life insurance) may be lost. 🔸 Reinstatement Hassles – May require fresh medicals, waiting periods, or higher premiums. 🔸 Financial Risk – In emergencies, you’ll have no backup when
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