Life insurance companies use complicated calculations to work out how risky you are to insure. Your health and lifestyle forms part of that calculation; this means that you will have to fill out a health questionnaire before an insurance company will agree to insure you.
Use our best buys to track down the best value life coverIf you have any medical complaints or long-term illnesses then you must be sure to disclose them. You may then be asked to supply supplementary information, or the insurance company may approach your doctor and ask to see your medical records (you have to give permission for this).
Obviously, if you have a major illness then your life insurance premiums will be more expensive. The same is true if you work in certain professions, smoke, drink heavily, have a history of drug use or are over a certain age. Again, if you regularly take part in dangerous sports then this will also affect your premiums.
NB: It is vital that give full medical disclosure to your insurance company, if you fail to do so then you may well invalidate your policy.
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