Health & lifestyle

How will my state of health affect my life insurance policy?

Life insurance providers will ask you to fill in a health questionnaire, or may require you to take a medical. This is more likely when a critical illness benefit forms part of the policy.

Certain lifestyles and health conditions are likely to increase your premiums, or make getting cover difficult.

Activities such as smoking, heavy-drinking and certain high-risk jobs and hobbies will affect your premium as well as pre-existing health conditions such as hypertension, clinical obesity, heart defects, cancer, diabetes, and certain disabilities.

How do you define good health?

Good health usually means that you are not regularly taking any prescription medicine, beyond minor treatments such as hayfever remedies, and that you have not taken more than two weeks off work due to sickness in the last 12 months.

You should also be in a reasonable state of physical fitness, and have no mobility problems.

It does not, however, mean that you have to be “super-fit” or “teetotal”. Life insurance companies are used to dealing with a wide range of clients in varying states of health, and few people have never experienced any kind of health problems.

What happens if I have been refused life insurance elsewhere?

We may be able to help, depending on your circumstances. Please call us for further details.

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