LifeGroup Life: protecting your people and their families
What employers should know about group life cover and how it supports beneficiaries.
Read article →Nobody plans to make a claim, but a little preparation makes the process far smoother if you ever need to.
Know what your policy covers
Read your schedule and key terms, and ask your broker to explain anything unclear. Know your policy number, your limits, any excess and how to report a loss.
Keep good records
Keep an up-to-date list of insured assets with receipts, serial numbers and photographs. For vehicles, goods and equipment, records are the fastest way to prove ownership and value.
Notify early and stay in touch
Tell your broker as soon as something happens. Early notification helps you meet policy conditions, and your broker can guide you on what the insurer will need. Requirements vary by policy, so always check your documents.
Key takeaways
- Know your policy number, limits and reporting steps
- Keep receipts, serial numbers and photographs of key assets
- Notify your broker early and keep them informed
This article is general information and not a substitute for advice on your specific circumstances. Policy terms and underwriting apply. Speak to a HAT broker about your needs.
