Will I need a medical?

The answer to this question will depend upon your medical history.

After you receive an initial quotation for insurance, the Insurance Company will require you to complete an application form which will contain a section about you health both past and present and, indeed, a few questions about your mother and father’s health record.

From the information you provide, the Insurance Company will decide whether it requires more information about your health. This does not necessarily mean that you will need to have a medical examination as in the majority of such cases the Company writes, with your approval, to your GP for information.

Dependent upon you health or what your GP discloses, the Insurance Company may decide that it wants a second opinion or an up to date report on your health. In these circumstances it will require you to have a medical.

A medical can be in the form of a short visit to your home by a medical representative from the Insurance Company or a more in depth assessment at Doctors/Consultants offices. In either case, the full cost of the medical is met by the insurance Company.

The medical report is the property of the Insurance Company and you will not have access to its’ findings. However, if anything of concern is discovered the Insurance Company or Doctor will normally let you know.

Finally, we would remind you that you must be totally truthful when you complete your application form. If you fail to disclose anything they ask you about or you fail to tell the truth, then any subsequent claim will be invalidated.

If you are now ready to get a discounted quotation for Life Insurance then please click through to the Moneyquest web site.

The Url for this website is owned by Alliance Internet Ltd. Alliance Internet is an IAR of Click Ltd please read the Disclosure Document for more details.