Applying for Life Insurance

Everything you need to know about our application journey

Why do you need to know my medical history?

We need to know your medical history so that we can provide you with accurate quotes. If you do not disclose any relevant details about your medical history, this might…

When will my first payment be?

Your first payment date can be up to 30 days from the beginning of your policy. When setting up your policy, you’ll be given the choice to decide when your…

I’m a smoker – will this affect my life insurance?

Yes – being a smoker indicates a higher risk to insurers as you’re more likely to develop illnesses like cancer. You’re still technically classed as a smoker if you use…

I vape – will this affect my life insurance?

Yes – some insurers classify people who vape to be similar to those who smoke. This is the case with any nicotine-replacement products. If you stop vaping, it can take…

Will my life insurance hold the same value in the future?

When choosing a life insurance policy, you’ll often have the option to add indexation to your policy. This will adjust your cover and premiums based on inflation. For example, £200k…

How long does it take to get life insurance?

Depending on your personal circumstances and the amount/length of cover you require, you could have your life insurance sorted in one phone call. Usually, it takes about 45 minutes to…

Why can’t I see paperwork before choosing to take out a policy?

Life Insurance documentation is generated once a policy is sold – we can send you a Key Facts Document (KFD) that contains information about the insurer but it is not…

If I outlive the policy I get nothing – why should I get it?

Well firstly, it’s definitely a good thing to outlive your policy! Life insurance could be seen to be similar to car insurance – you hope you won’t have to use…

Can I tailor my life insurance policy?

Yes – every life insurance policy is customised and tailored to you and your needs. Our life insurance experts will ask you questions to be able to give you the…

I’m disabled – will this affect my life insurance?

This depends on the severity of your disability. If your disability is linked with a shorter life span or the potential to develop illnesses, this could increase your premiums. It’s…

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If you still have questions or would like to speak with an adviser please get in touch.

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