Fulfilment Policy

1. Purpose

This Fulfilment Policy explains how insurance products purchased through our website and mobile application are processed, issued, and delivered[cite: 4]. It outlines the responsibilities of both the customer and the Company throughout the fulfilment process[cite: 4].

By purchasing an insurance policy through our platform, you acknowledge and agree to the terms set out in this policy[cite: 4].

2. Order Confirmation

Once your purchase has been successfully completed[cite: 4]:

3. Payment Verification

Insurance applications will only proceed after successful payment verification[cite: 4].

Accepted payment methods may include[cite: 4]:

If payment fails or is declined[cite: 4]:

4. Policy Issuance

Once payment has been successfully verified and all required information has been received[cite: 4]:

Instant-Issue Products

For products that do not require underwriting[cite: 4]:

Underwritten Products

For products requiring medical underwriting or additional assessment[cite: 4]:

Processing may take between 1–10 business days, depending on[cite: 4]:

The Company reserves the right to request additional information before issuing the policy[cite: 4].

5. Delivery of Policy Documents

Insurance policies are delivered electronically[cite: 4].

Customers will receive[cite: 4]:

Documents will be delivered via[cite: 4]:

Physical copies are only provided where applicable or upon request[cite: 4].

6. Coverage Commencement

Insurance coverage becomes effective only when[cite: 4]:

Coverage does not begin upon submission of the application unless expressly stated otherwise[cite: 4].

7. Customer Responsibilities

Customers are responsible for ensuring that[cite: 4]:

Failure to provide accurate information may result in[cite: 4]:

8. Additional Documentation

We may request additional documentation including, but not limited to[cite: 4]:

Processing times may be extended until all requested documents have been received and verified[cite: 4].

9. Order Status

Customers may monitor their application status through[cite: 4]:

11. Failed Delivery

If electronic delivery fails because of[cite: 4]:

Customers should contact Customer Service to arrange re-delivery[cite: 4]. Customers are responsible for ensuring that their contact details remain current[cite: 4].

12. Policy Amendments

If incorrect information is identified after policy issuance, customers should notify us as soon as possible[cite: 4].

Certain amendments may require[cite: 4]:

13. Cancellation

Customers may request cancellation[cite: 4].

Where applicable[cite: 4]:

14. Cooling-Off Period

Where applicable under local regulations or product terms, customers may cancel their policy during the applicable free-look or cooling-off period[cite: 4].

Refund eligibility is subject to[cite: 4]:

15. Force Majeure

The Company shall not be liable for delays caused by circumstances beyond its reasonable control, including but not limited to[cite: 4]:

We will resume fulfilment as soon as reasonably practicable[cite: 4].

16. Customer Support

For enquiries regarding policy fulfilment, customers may contact our Customer Support team via[cite: 4]:

Our support team will assist with[cite: 4]:

17. Changes to this Policy

We reserve the right to amend this Fulfilment Policy at any time to reflect operational, regulatory, or legal changes[cite: 4]. The latest version will always be published on our website and will become effective upon publication unless otherwise stated[cite: 4].

18. Contact Information

If you have any questions regarding this Fulfilment Policy, please contact our Customer Support team through the contact information provided on our website or mobile application[cite: 4].