Historical article — 2020. During the first Covid-19 lockdown, some life insurers explored remote medical assessments when in-person examinations were disrupted. The arrangements described at that time should not be treated as the current process offered by any named insurer.
For an application now, an insurer decides what medical information or assessment it needs based on its current underwriting rules and the cover requested. It may ask health questions, request a medical report or arrange an examination; the approach varies and no application is guaranteed to be accepted.
Read our Life Insurance overview or contact IM-Insured if you would like to discuss an adviser enquiry. This page is an archive note, not a live instant-quote or underwriting offer.
