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Medical conditions

Our underwriting approach will depend on a number of different factors.

Our guide to underwriting (PDF) provides examples of our underwriting terms for some commonly disclosed medical conditions, sports and hobbies.

It also explains our approach for clients with a family history of various medical conditions.

Guide to underwriting

Information on our underwriting guidelines.

Download our guide to underwriting  

Genetic test results

Details of when your client should tell us about a genetic test result.

Learn more about genetic testing  

Medical underwriting limits

We will ask your client to take certain medical tests depending on the amount of cover they ask for.

Check our medical underwriting limits