Medical History

Will I have to attend for a Medical ?
We can advise you in advance of applying for cover as to what the medical underwriting limits are for each insurer - which obviously depends on age , amount of cover required and medical history.

When applying for any form of protection cover you must complete a proposal form which includes a section on Medical history.

If you have any medical issues which you wish to discuss , we can discuss these with insurers on a no names basis before actually putting you to the trouble of making an application for cover.
And we can ascertain what underwriters think and direct you towards which Insurance company is most likely to offer cover .

Underwriting options : there are 4 main options :

Accept the proposal and offer cover at normal rates

Accept the proposal but apply a loading to take account of the medical issue(s)identified

Suspend the request for cover until a later period

Decline the application for cover

Special terms (relates to the second option above) : are applied where there is medical issue and underwriters decide on how that should impact on premium

Please note : it is important to disclose all material facts - if you don't it could render any policy issued as void.

Our advice : if you are looking for cover but are bothered about a medical issue , or if you have been offerred special terms elsewhere or declined , you can talk to us in confidence - we may be able to help you.

Please speak to any of our Professional advisors