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? Life insurance with critical illness will pay out before you die if you are diagnosed with a critical illness

? Level cover pays out a fixed amount if you die.
Decreasing cover pays out less over time, usually in line with your outstanding mortgage.


? Choose how long you would like your policy to last. If you are not sure, enter an estimate (e.g. 10 years).
? Choose how much you would like to be paid out if you die.

? Guaranteed premiums are fixed for the term of the policy. Reviewable premiums can be changed depending on your circumstances.








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As you weigh up the options to help find the right life insurance policy for you, one of your concerns could well be whether or not you are going to need a medical examination before beginning your policy.

The answer to this depends on certain factors such as your age, existing or historic medical conditions as well as the amount you wish to be covered for. In many cases you wont need any form of medical at all. However, even if the insurer does ask for a medical, it is usually a simple and quick procedure.

For those whom a medical is likely (e.g. if suffering from existing conditions), it may still possible to find life insurance that does not require a medical exam, but this could well mean a higher premium rate. One plus to having a medical is that if you are found to be in good health then there is no reason to pay for others’ problems, and you should expect a positive outcome from a medical to reflect in the price of your premium. Also you would gain peace of mind about the state of your own health.

It is also worth considering that undisclosed health problems could result in non-payment from the insurers in the event of the insured individual’s death – so having a medical brings everything into the open and you wouldn’t run the risk of non-payment should the worst happen.

If there are any problems uncovered during your medical it should not automatically prevent you from taking out a life insurance policy; there are certainly options available.

If you find that you do need to take a medical then fear not – it should not be an intimidating or invasive procedure. In most cases it would entail a 20-30 minute session carried out by a licensed paramedical or doctor at a place and time convenient to yourself; some can even take place in the comfort of your own home. Generally the medical exam involves blood pressure reading, height and weight measurements, a urine sample and questions about your medical history.

Taking out a life insurance policy could give you the security of knowing your loved ones would be financially covered should the very worst happen.

As with all other medical insurance, a life insurance policy is tailored to meet the needs of the policy holder.

Click here for a free quote and find out whether or not a medical examination would be necessary for you.