How does my medical history affect things?
Your health is very important in deciding on the level
of risk and consequently your premium.
Your own state of health and medical history are one of
the aspects that the Insurance Company will consider carefully when they
are calculating your premium. If your medical record shows that there
could be health issues in the future, then the Insurance Company will
take this into consideration.
They will also be interested in the health of your parents
and in whether there are hereditary illnesses in your family. Your job
can influence your health and therefore, this is also taken into account.
The insurance company will also ask you whether you participate in any
dangerous sports such as hand gliding, diving, motor sport etc.
If you are applying for a high level of insurance the life Insurance Company is likely to ask for more details about your health.
Other relevant questions…
Is a medical absolutely
necessary?
What factors can add to
the price?
Is Life Insurance for me?
What else do I need to know about Life Insurance?
How do I get a Life Insurance Quote?
How do I choose the right policy for me?
What if I need cover to be arranged quickly?
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How are premiums calculated?
What if I have to make a claim?
Do I need Mortgage Life Insurance instead?
Should I consider Critical Illness cover?
What other sorts of Insurance should I think about?
How do I make a complaint?
What do I need to know about the law and Life Insurance?
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