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
 

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How much will the premium be?
Your premium reflects the level of cover you want and how long you want to be insured for. It also reflects the risk to the Insurance Company that you may make a claim. This risk is conditioned by your age, sex, occupation, health record and life style etc.
Does your age affect your premium?
Yes, your age is one of the most important aspects that determines your premium. (Other important aspects include the level of cover you want, whether you are male or female, whether you are a smoker, your occupation and health record.)
Will you need a medical?
The answer really depends upon your medical history.
Can you get a quotation now online?
No. ClickLife, our Partner for Life Insurance Quotes , take your information online and then phone you back with details of the best policy they can find. They will also give you help to find the polic that suits your needs.
Once you've got your quote, what's the next step?
If you decide to go ahead you’ll need to fill in an Application form.
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.
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