Step 1: Work Out How Much Cover You Need
Before applying, decide on:
- Sum assured – How much? (10–15× salary is a common starting point)
- Term – How long? (Until mortgage is paid, or until retirement)
- Type – Level or decreasing? (Level for families; decreasing for repayment mortgages)
Step 2: Get Quotes
Use a comparison tool to see quotes from multiple UK insurers simultaneously. Prices vary significantly between providers – comparing is essential.
Step 3: Complete the Application
Applications ask about:
- Age, gender, and occupation
- Smoking and vaping status
- Medical history (conditions, medications, recent GP visits)
- Family medical history (cancer, heart conditions)
- Dangerous hobbies or pastimes
- Overseas travel plans
Non-disclosure warning: Always answer questions honestly. Withholding information can void your policy and leave your family unprotected.
Step 4: Underwriting Decision
Most straightforward applications are instantly accepted online. More complex cases may require:
- GP report (GP letter about your medical history)
- Medical examination (rare, usually for large sums)
- Blood or urine tests (uncommon)
Step 5: Policy Issued
Once accepted, your policy documents are issued (usually digitally). Keep them safe and tell the beneficiary they exist. Write the policy in trust if you have not already.
Frequently Asked Questions
15–30 minutes for most. Complex cases with GP reports: 4–8 weeks.
Rarely. Most applications need no medical exam. Very high sums or complex health may require one.