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Endorsement in Insurance

Endorsement in Insurance refers to an amendment or change made to the existing policy, which changes the terms of the original policy. Endorsements can be additions to the life insurance such as riders, changes or deletions etc. Endorsement can be made at the time of purchasing the life insurance policy or at the time of renewal.

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What Is An Endorsement In Life Insurance Policy?

An endorsement in life insurance policy refers to additions as rider, or other additions, changes, deletions etc. Endorsement acts like a tailpiece for your existing insurance policy. When an endorsement is made, the policy will include the changes that have been asked for.

How An Endorsement Works?

An endorsement in a life insurance policy refers to an amendment or change made to an existing insurance policy that changes the terms of the original policy. An endorsement can be made at the of purchase, during the policy term or at the time of renewal. Premiums for the insurance policy may be affected and adjusted after the endorsement has been made.

How To Make An Endorsement?

Making an endorsement is quite a simple task and can be done by the policyholder. The policyholder has to provide a letter requesting the insurance company to make the necessary changes that they require along with the endorsement form. The insurance company will make the changes after checking the requirement and accuracy of the changes that have been requested by you.

Things To Remember While Making Endorsement

An endorsement helps to alter the life insurance policy and becomes a legal part of your insurance and will remain in force till the life insurance policy expires. Here are a few things you should always keep in mind before making an endorsement:

  • Always keep a copy of the new policy documents after making the amendments to the policy that specifies the endorsement on the life insurance policy.
  • Once an endorsement is made which increases or decreases the coverage under the life insurance policy, it may affect your premium.
  • Endorsement shall remain in force until the policy expires but an exception can be made if the endorsement has a limited term under which it is valid.

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