Will the insurer accept me at the quoted price?

If the insurer is happy with your application and/or any additional medical information, then your application will normally be accepted at the quoted price. If the insurer is concerned by any of the medical details they may apply a 'loading' to the premium. You are of course free to decline cover if the premium becomes unacceptable. Premium 'loadings' usually reflect added risk to 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?