We will ask your client to take certain medical tests depending on the amount of cover they ask for. The tables below show the tests each age group needs to take. There is a key on the right-hand-side to explain the test names.

Note:

• the paramed and medical examination will include a cotinine test for all non-smokers
• the maximum amount of Life Cover available is £5,000,000
• the age should be age next birthday.

• Up to age 30
• Age 31 - 35
• Age 36 - 40
• Age 41 - 45
• Age 46 - 50
• Age 51 - 55
• Age 56 - 60
• Age 61 - 65
• Age 66 - 70
• Age 71 - 84

Up to age 30

Life Cover	GPR	PMR	ME	HIV	Lipids	Bio- chem	FBC	ECG
Up to £600,000
£600,001 to £1,000,000
£1,000,001 to £2,000,000
£2,000,001 to £2,500,000
£2,500,001 to £5,000,000

Ages 31 to 35

Life Cover	GPR	PMR	ME	HIV	Lipids	Bio- chem	FBC	ECG
Up to £600,000
£600,001 to £750,000
£750,001 to £1,000,000
£1,000,001 to £2,000,000
£2,000,001 to £2,500,000
£2,500,001 to £5,000,000

Ages 36 to 40

Life Cover	GPR	PMR	ME	HIV	Lipids	Bio- chem	FBC	ECG
Up to £500,000
£500,001 to £750,000
£750,001 to £1,000,000
£1,000,001 to £2,000,000
£2,000,001 to £2,500,000
£2,500,001 to £5,000,000

Ages 41 to 45

Life Cover	GPR	PMR	ME	HIV	Lipids	Bio- chem	FBC	ECG
Up to £400,000
£400,001 to £600,000
£600,001 to £750,000
£750,001 to £1,000,000
£1,000,001 to £2,000,000
£2,000,001 to £2,500,000
£2,500,001 to £4,000,000
£4,000,001 to £5,000,000

Ages 46 to 50

Life Cover	GPR	PMR	ME	HIV	Lipids	Bio- chem	FBC	ECG
Up to £350,000
£350,001 to £500,000
£500,001 to £750,000
£750,001 to £1,000,000
£1,000,001 to £2,000,000
£2,000,001 to £2,500,000
£2,500,001 to £3,000,000
£3,000,001 to £5,000,000

Ages 51 to 55

Life Cover	GPR	PMR	ME	HIV	Lipids	Bio- chem	FBC	ECG
Up to £200,000
£200,001 to £300,000
£300,001 to £750,000
£750,001 to £1,000,000
£1,000,001 to £2,000,000
£2,000,001 to £3,000,000
£3,000,001 to £5,000,000

Ages 56 to 60

Life Cover	GPR	PMR	ME	HIV	Lipids	Bio- chem	FBC	ECG
Up to £150,000
£150,001 to £250,000
£250,001 to £750,000
£750,001 to £1,000,000
£1,000,001 to £2,000,000
£2,000,001 to £5,000,000

Ages 61 to 65

Life Cover	GPR	PMR	ME	HIV	Lipids	Bio- chem	FBC	ECG
Up to £150,000
£150,001 to £350,000
£350,001 to £1,000,000
£1,000,001 to £1,500,000
£1,500,001 to £2,000,000
£2,000,001 to £5,000,000

Ages 66 to 70

Life Cover	GPR	PMR	ME	HIV	Lipids	Bio- chem	FBC	ECG
Up to £250,000
£250,001 to £1,000,000
£1,000,001 to £2,000,000
£2,000,001 to £5,000,000

Ages 71 to 84

Life Cover	GPR	PMR	ME	HIV	Lipids	Bio- chem	FBC	ECG
Up to £250,000
£250,001 to £750,000
£750,001 to £1,000,000
£1,000,001 to £2,000,000
£2,000,001 to £5,000,000

Download our 'Personal Protection medical underwriting limits for Life Cover' PDF

Size: A4 - 2 pages - 110kb

Online publication date: Jul 08