Will I have to have a medical?

Your application may be accepted immediately based on the medical facts you disclose. In certain cases, the insurer may request a report from your doctor and you may have to have a medical at the expense of the insurer.

This is more common when you apply for a large sum assured or if your answers to the medical questions contained within your application concern the insurer.

Life Direct

• Who are Life Direct?
• Why use Life Direct?
• What is the benefit of buying cover through Life Direct rather than going direct to the life insurance company?
• Is there a fee for using Life Direct?

Main Types of Life Policy

• What is a Level Term Life Insurance?
• What is a Mortgage Decreasing Life Insurance?

Other Policy Types

• What is Family Income Benefit?
• What is Critical Illness?

Other FAQ's

• What are 'reviewable' + 'guaranteed' premiums?
• What is 'terminal illness' cover?
• Will I have to have a medical?
• What does putting a policy 'in trust' mean?
• Will the insurer accept me at the quoted price?