Life insurance policies are underwritten based on the answers you provide at the time of application, such as your age, weight, lifestyle and health. In many cases you can self-certify your answers and you will not need to provide any evidence to back these up. It is important to be completely open and truthful when applying for life insurance. If you wrongly answer a question about your health or lifestyle, whether you are meaning to deceive the insurer or not, any potential claim could be invalidated with no refund of premiums paid. It is also important to note that lying on your application could constitute insurance fraud, which in some cases could result in court proceedings.
In some cases, and depending on how you answer certain questions in the life insurance application, you will be asked to undergo a medical exam. This simply means that you will be asked to visit your GP for a health check, which could include a blood test, and the results being shared with the insurer. Life insurance companies may require applicants to undertake these medical tests to ensure your health is being accurately recorded, which will ensure they can make an informed decision and/or appropriately price the insurance cover. Health checks can give both the applicant and insurer peace of mind, with the applicant given complete confidence the insurer is happy with the underwritten risk.
If you have been asked to undertake a medical exam as part of your life insurance application, we understand it can be frustrating. We urge you to make an appointment with your GP as soon as possible to ensure you lock-in cover that is personalised to your circumstances. Protect Line has a specialist team who will liaise between you, the insurer, and (if you give us permission) your medical professional, to help keep the ball moving. Unfortunately, if too much time passes between the initial application and the medical check, you may need to get requoted.