Medical underwriting
at a glance

We will ask your client to take certain medical tests depending on the amount of cover they ask for. Select a type of cover and age range to show the tests relevant for each age group

Note:
  • paramed and medical examination GP report 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
Life Cover - Up to age 35 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £750,000  
£750,001 - £1,000,000 yes  
£1,000,001 - £2,000,000 yes yes yes  
£2,000,001 - £5,000,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report 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
Life Cover - Age range 36 - 40 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £600,000  
£600,001 - £750,000   yes  
£750,001 - £1,000,000 yes yes          
£1,000,001 - £2,000,000 yes yes yes  
£2,000,001 - £5,000,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report 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
Life Cover - Age range 41-45 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £500,000  
£500,001 - £600,000   yes  
£600,001 - £1,000,000 yes yes          
£1,000,001 - £2,000,000 yes yes yes  
£2,000,001 - £5,000,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report 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
Life Cover - Age range 46-50 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £350,000  
£350,001 - £400,000 yes  
£400,001 - £1,000,000 yes yes  
£1,000,001 - £2,000,000 yes yes yes yes  
£2,000,001 - £2,500,000 yes yes yes yes  
£2,500,001 - £5,000,000 yes yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report 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
Life Cover - Age range 51-55 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £200,000  
£200,001 - £350,000 yes  
£350,001 - £1,000,000 yes yes  
£1,000,001 - £2,000,000 yes yes yes yes  
£2,000,001 - £2,500,000 yes yes yes yes  
£2,500,001 - £5,000,000 yes yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report 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
Life Cover - Age range 56-60 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £150,000  
£150,001 - £250,000 yes  
£250,001 - £600,000 yes yes  
£600,001 - £1,000,000 yes yes  
£1,000,001 - £2,500,000 yes yes yes yes  
£2,500,001 - £5,000,000 yes yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report 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
Life Cover - Age range 61-70 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £50,000  
£50,001 - £150,000 yes  
£150,001 - £400,000 yes yes  
£400,001 - £1,500,000 yes yes yes  
£1,500,001 - £5,000,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report 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
Life Cover - Age range 71-84 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £150,000 yes  
£150,001 - £300,000 yes yes  
£300,001 - £1,500,000 yes yes yes  
£1,500,001 - £5,000,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
  • where the plan payment is guaranteed, the maximum age is also reduced to 54
  • the age should be age next birthday
Life or Critical Illness Cover - Up to age 40 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £400,000  
£400,001 - £600,000   yes  
£600,001 - £750,000 yes yes yes  
£750,001 - £1,000,000 yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
  • where the plan payment is guaranteed, the maximum age is also reduced to 54
  • the age should be age next birthday
Life or Critical Illness Cover - Age range 41-45 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £300,000  
£300,001 - £450,000   yes  
£450,001 - £500,000 yes yes          
£500,001 - £750,000 yes yes yes  
£750,001 - £1,000,000 yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
  • where the plan payment is guaranteed, the maximum age is also reduced to 54
  • the age should be age next birthday
Life or Critical Illness Cover - Age range 46-50 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £250,000  
£250,001 - £350,000 yes  
£350,001 - £500,000 yes yes  
£500,001 - £600,000 yes yes yes  
£600,001 - £1,000,000 yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
  • where the plan payment is guaranteed, the maximum age is also reduced to 54
  • the age should be age next birthday
Life or Critical Illness Cover - Age range 51-55 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £125,000  
£125,001 - £200,000 yes  
£200,001 - £400,000 yes yes  
£400,001 - £500,000 yes yes yes  
£500,001 - £750,000 yes yes yes  
£750,001 - £1,000,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
  • where the plan payment is guaranteed, the maximum age is also reduced to 54
  • the age should be age next birthday
Life or Critical Illness Cover - Age range 56-60 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £100,000  
£100,001 - £150,000 yes  
£150,001 - £350,000 yes yes  
£350,001 - £400,000 yes yes  
£400,001 - £600,000 yes yes yes  
£600,001 - £1,000,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
  • where the plan payment is guaranteed, the maximum age is also reduced to 54
  • the age should be age next birthday
Life or Critical Illness Cover - Age range 61-65 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £50,000  
£50,001 - £100,000 yes  
£100,001 - £150,000 yes yes  
£150,001 - £250,000 yes yes yes  
£250,001 - £1,000,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
  • where the plan payment is guaranteed, the maximum age is also reduced to 54
  • the age should be age next birthday
Critical Illness Cover - Up to age 40 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £400,000  
£400,001 - £600,000   yes  
£600,001 - £750,000 yes yes yes  
£750,001 - £1,000,000 yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
  • where the plan payment is guaranteed, the maximum age is also reduced to 54
  • the age should be age next birthday
Critical Illness Cover - Age range 41-45 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £300,000  
£300,001 - £450,000   yes  
£450,001 - £500,000 yes yes          
£500,001 - £750,000 yes yes yes  
£750,001 - £1,000,000 yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
  • where the plan payment is guaranteed, the maximum age is also reduced to 54
  • the age should be age next birthday
Critical Illness Cover - Age range 46-50 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £250,000  
£250,001 - £350,000 yes  
£350,001 - £500,000 yes yes  
£500,001 - £600,000 yes yes yes  
£600,001 - £1,000,000 yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
  • where the plan payment is guaranteed, the maximum age is also reduced to 54
  • the age should be age next birthday
Critical Illness Cover - Age range 51-55 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £125,000  
£125,001 - £200,000 yes  
£200,001 - £400,000 yes yes  
£400,001 - £500,000 yes yes yes  
£500,001 - £750,000 yes yes yes  
£750,001 - £1,000,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
  • where the plan payment is guaranteed, the maximum age is also reduced to 54
  • the age should be age next birthday
Critical Illness Cover - Age range 56-60 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £100,000  
£100,001 - £150,000 yes  
£150,001 - £350,000 yes yes  
£350,001 - £400,000 yes yes  
£400,001 - £600,000 yes yes yes  
£600,001 - £1,000,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £1,000,000
  • where the plan payment is guaranteed, the maximum age is also reduced to 54
  • the age should be age next birthday
Critical Illness Cover - Age range 61-65 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £50,000  
£50,001 - £100,000 yes  
£100,001 - £150,000 yes yes  
£150,001 - £250,000 yes yes yes  
£250,001 - £1,000,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum yearly amount of Income Cover for Sickness available is £150,000
  • the age should be age next birthday
Income Cover for Sickness - Age range up to 40 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £30,000  
£30,001 - £40,000   yes          
£40,001 - £75,000 yes yes  
£75,001 - £150,000 yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum yearly amount of Income Cover for Sickness available is £150,000
  • the age should be age next birthday
Income Cover for Sickness - Age range 41 - 45 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £20,000  
£20,001 - £30,000   yes  
£30,001 - £50,000 yes yes          
£50,001 - £150,000 yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum yearly amount of Income Cover for Sickness available is £150,000
  • the age should be age next birthday
Income Cover for Sickness - Age range 46 - 50 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £15,000  
£15,001 - £20,000 yes  
£20,001 - £50,000 yes yes  
£50,001 - £75,000 yes yes yes  
£75,001 - £150,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum yearly amount of Income Cover for Sickness available is £150,000
  • the age should be age next birthday
Income Cover for Sickness - Age range 51 - 55 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £10,000  
£10,001 - £15,000 yes  
£15,001 - £50,000 yes yes  
£50,001 - £75,000 yes yes yes  
£75,001 - £150,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


Note:
  • paramed and medical examination GP report will include a cotinine test for all non-smokers
  • the maximum yearly amount of Income Cover for Sickness available is £150,000
  • the age should be age next birthday
Income Cover for Sickness - Age range 56 - 60 years
  GPR PMR ME HIV Bio-chem ECG  
Up to £8,000  
£8,001 - £15,000 yes  
£15,001 - £30,000 yes yes  
£30,001 - £50,000 yes yes  
£50,001 - £75,000 yes yes yes  
£75,001 - £150,000 yes yes yes yes  
Key

GPR - General practitioner's report
PMR - Paramed
ME - Medical examination GP
HIV - HIV test
Bio-chem - Biochemistry
ECG - Stress electrocardiogram

 

Biochemistry & haematology

Biochemistry & haematology with PSA for men


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Bright Grey. More financial sense from Royal London

We are backed by the financial strength and stability that comes from being part of the Royal London Group, the UK’s largest mutual life and pensions company.

Bright Grey is a division of The Royal London Mutual Insurance Society Limited which is authorised and regulated by the Financial Services Authority No. 117672.
Group registered VAT number 368 5244 27.

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