• How often should I review my insurance needs?

  Consider reviewing your needs and what your policy provides on a regular basis - especially if your circumstances have changed. We recommend an annual review of your insurance needs.Popular

• How do I make a claim?

  Please double check your policy documentation to see which insurance provider administers your policy. This information can be found in the claims section of your Policy Wording. If your policy is administered by Shepherds Friendly, to make a claim, simply fill out the online claim form below – and they’ll take care of the rest. Online Claims Form: Shepherds Friendly Claims Form (https://forms.office.com/pages/responsepage.aspx?id=ZPfexaiQ3USj4js9ldH9umuV-qSbXAtNr89nsE3oJ1UMVNSNTFHNVBNWPopular

• What type of insurance does Blueberry Life offer?

  We currently offer term life insurance for those living with chronic health conditions, like Type 2 diabetes. Over time, we aim to launch a wide range of specialist insurance products for those living with these lifestyle conditions.Few readers

• What is underwriting?

  Underwriting is a process that every applicant who applies for life insurance cover needs to go through to determine whether he or she is eligible for insurance. It's designed to help us provide the fairest price based on a person's individual circumstances.Few readers

• How does a policy payout work?

  There are three stages to the life insurance claims process: You notify the insurer They assess the claim If valid, the claim is paid For death claims, the payout is made to their personal representative to be distributed according to their will or the rules of intestacy if there is no will. Approved terminal illness claims are made to the life insured. The payout will be as a lump sum in pound sterling to a UK Bank account.Few readers

• When will the payout be made?

  Once a claim has been approved, payment will be made as soon as we’ve established who to pay the claim to. This could be once probate has been granted or a valid trust provided.Few readers

• What happens to my policy if I move outside of the UK?

  If you move abroad you will need to continue to pay the premium from a bank or building society in the UK in GBP or as otherwise approved by us.Few readers

• What happens if I miss a payment?

  If at any time you don’t pay your premium when it is due, we will write to you to let you know and we will allow you 30 days to pay the outstanding premium. If you don’t pay 2 monthly payments in a row, your policy will be cancelled and no premium will be refunded to you. We will let you know if we cancel your policy due to non-payment of premium.Few readers

• Will my price change over time?

  Your premium is guaranteed not to change for the duration of your policy.Few readers

• Who can submit a claim?

  Anyone can initiate a claim, however proof is required that the claimant is the correct person to receive the payout. For example, grant of probate, will, trust deed, letters of representation or administration.Few readers

• Will my payout be taxed?

  The payout is usually free of all UK income tax and capital gains tax. The amount paid might be subject to inheritance tax, depending on the total value of the life insured’s estate. For more info about this, see gov.uk/inheritance-tax. If the life insured resides outside the UK at the time of a claim, the taxes of the country of residence could apply to the amount received (refer to ‘Moving abroad’ in the policy wording for more details).Few readers

• What happens at the end of the policy?

  If a claim has not been sent by the end of the policy term, the life cover will end. The policy has no cash value and no premiums will be refunded.Few readers

• Who do I contact if I have a query about a claim?

  Claims are administered by Shepherds Friendly and Covéa Life Limited. Please double check your policy documentation to see which insurance provider administers your policy. This information can be found in the claims section of your Policy Wording. For claims administered by Shepherds Friendly, you can speak to their specialist claims team by contacting their claims telephone number. Shepherds Friendly Claims Telephone Number: 0161 495 6499 For claims administered by Covéa Life Limited, yFew readers

• Is there a cancellation fee?

  There is no cancellation fee. You can cancel your life insurance policy at any time. If you cancel within the first 30 days (cool-off period) you will receive a full refund of the premium you paid unless a claim has been paid.Few readers

• What information do I need to make a claim?

  Claims are administered by Shepherds Friendly or by Covéa Life Limited. Please double check your policy documentation to see which insurance provider administers your policy. This information can be found in the claims section of your Policy Wording. When you first make contact with the insurer, they’ll ask for some basic information such as policy number, name and address of life insured, what is being claimed for (death or terminal illness) and the date that occurred. Lastly the callers contFew readers

• Will my premiums stop when a claim is submitted?

  If the claim is for the death of the life insured, then the premiums will stop from the date of death. Any premiums paid after this date could potentially be refunded. If the claim is for a terminal illness, then premiums will continue until a full assessment has taken place. If a claim is successful, any premiums paid after the date of diagnosis could be potentially refunded.Few readers

• When does my life insurance policy end?

  Your policy will end on the date stated within your policy schedule unless you die or are diagnosed with a terminal illness, or the policy is cancelled by you or the insurer. This would be either Covéa Life Limited or Shepherds Friendly Society Limited depending on who administers your policy.Few readers

• Do I get a refund if I don’t die during my policy term?

  No. Your policy does not have a cash value at any time. At the end of your term, you stop making premium payments and your cover ends.Few readers

• Where does the payout go if you die?

  The payout upon death will be made to the personal representative to distribute according to the life insured’s will. If there is no will, the rules of intestacy will apply. Please see gov.uk/inherits-someone-dies-without-will. If the life insured submits a claim for terminal illness and it meets our definition, the payout will be paid to the life insured. If the life insured arranges for the policy to be assigned or placed in trust, the cFew readers

• Where am I covered?

  You are covered anywhere in the world but you must be a resident of the UK at the time of purchase.Few readers

• How is my life insurance premium calculated?

  The personal information you provide, the term of your life insurance, and the amount for which you want to be insured are used to calculate insurance premiums. Factors like weight, smoking status, age, and any pre-existing conditions you may have are used to estimate risk, and the higher the estimated risk, the higher your premiums will be. If an insurer thinks you are high-risk, they usually ask for more information – for example, they may want reports from your doctor. Once they have that iFew readers