Will your medical history affect your premium?

Yes, your medical history is a very important factor.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

Hot Topics

Why are the insurance prices on the Internet so low?
The Internet is undoubtedly the cheapest marketplace to buy insurance. There are two main reasons: -
If my premium is “Rated”, what does that mean?
If your premium is “Rated” it means that the insurance company will only agree to insure you if you pay a higher premium than the one they originally quoted. This happens because, following receipt of your Application and any follow-up information they required, the insurance company believes you to represent an above average risk. (In extreme situations they will simply decline to insure you.)
Why is Mortgage Life Insurance cheaper than normal Life Insurance?
Mortgage Life Insurance is a particular type of insurance designed specifically for people with a repayment mortgage.
What happens If I stop Paying my Premiums?
Your policy will be automatically cancelled. If this is what you want you need take no action and your insurance cover will cease. You have no commitments to make further payments.
How do you go about making a claim under your policy?
Claims are made directly to the Insurance Company who issued your policy. Details of how to claim will be found within the booklet they provide with your Application form and policy.
When your insurer calculates your premium, it has to work out how long they think you will live. With Critical Illness Insurance, they also need to assess whether you are likely to become seriously ill before your policy terminates.

To do this the insurance company takes a number of factors into account including your age, whether you smoke, your job and your health record. Therefore, if you have a health record that indicates potential future health problems, or you want an especially high level of insurance cover, the insurance company is likely to require more information about your health.

To obtain this information the insurer may decide, with your approval, to write to your Doctor or ask you to have a quick “mini-medical” or even a full medical. (The insurance company pays all the costs of these medical reports.)

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -