To determine whether you qualify we’ll ask you a number of medical and lifestyle questions during the application process.
Like other life insurance companies, we determine through underwriting whether to accept an applicant and how much to charge for the insurance protection. Each company's underwriting rules are likely to differ, but the basic concepts are the same.
We’ll look closely at your present and past health, but we’ll also take into account a number of other factors when calculating the premium:
Getting healthy and taking steps to control or improve your health could help reduce the cost of taking out life insurance.
Heart disease and high blood pressure, for example, are commonly linked to obesity and smoking. If you give up smoking for at least 12 months prior to taking out life insurance, this could also dramatically reduce the cost of your life insurance.
You can also phone
Call our friendly UK-based team for more information or a quote:
0800 756 8520
Quoting offer code IELO
Textphone: 18001 0800 756 8520
We may record and / or monitor calls for training and audit purposes.