Medical underwriting limits
We'll ask your client to take certain medical tests depending on the amount of cover they want.
Select a type of cover and age range to show the tests relevant for each age group.
Select type of cover
Life Cover (single life and joint life, first event)
Life Cover (joint life, second event)
Critical Illness Cover
Life or Critical Illness Cover
Income Protection or Key Person Income Protection
Select age range
Up to and including 29 years
30 to 34 years
35 to 39 years
40 to 44 years
45 to 49 years
50 to 54 years
55 to 59 years
60 to 64 years
65 to 69 years
70 to 74 years
75 and over
Up to and including 29 years
30 to 34 years
35 to 39 years
40 to 44 years
45 to 49 years
50 to 54 years
55 to 59 years
60 to 64 years
65 to 69 years
70 to 74 years
75 and over
Up to and including 29 years
30 to 34 years
35 to 39 years
40 to 44 years
45 to 49 years
50 to 54 years
55 to 59 years
60 to 64 years
65 and over
Up to and including 29 years
30 to 34 years
35 to 39 years
40 to 44 years
45 to 49 years
50 to 54 years
55 to 59 years
60 to 64 years
65 and over
Up to and including 39 years
40 to 44 years
45 to 49 years
50 to 54 years
55 to 60 years
Life Cover (single life and joint life, first event) - up to and including 29 years
GPR
PMR
MER
Bio-chem
ECG
up to £900,000
£900,001 - £1,100,000
£1,100,001 - £1,500,000
£1,500,001 - £2,200,000
£2,200,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (single life and joint life, first event) - 30 to 34 years
GPR
PMR
MER
Bio-chem
ECG
up to £825,000
£825,001 - £1,100,000
£1,100,001 - £1,500,000
£1,500,001 - £2,200,000
£2,200,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (single life and joint life, first event) - 35 to 39 years
GPR
PMR
MER
Bio-chem
ECG
up to £775,000
£775,001 - £1,100,000
£1,100,001 - £1,500,000
£1,500,001 - £2,200,000
£2,200,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (single life and joint life, first event) - 40 to 44 years
GPR
PMR
MER
Bio-chem
ECG
up to £550,000
£550,001 - £825,000
£825,001 - £1,500,000
£1,500,001 - £2,200,000
£2,200,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (single life and joint life, first event) - 45 to 49 years
GPR
PMR
MER
Bio-chem
ECG
up to £475,000
£475,001 - £675,000
£675,001 - £1,500,000
£1,500,001 - £1,650,000
£1,6500,001 - £2,200,000
£2,200,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (single life and joint life, first event) - 50 to 54 years
GPR
PMR
MER
Bio-chem
ECG
up to £350,000
£350,001 - £450,000
£450,001 - £1,100,000
£1,100,001 - £1,500,000
£1,500,001 - £2,200,000
£2,200,001 - £3,300,000
£3,300,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (single life and joint life, first event) - 55 to 59 years
GPR
PMR
MER
Bio-chem
ECG
up to £225,000
£225,001 - £350,000
£350,001 - £825,000
£825,001 - £1,100,000
£1,100,001 - £1,500,000
£1,500,001 - £2,750,000
£2,750,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (single life and joint life, first event) - 60 to 64 years
GPR
PMR
ME
Bio-chem
ECG
up to £100,000
£100,001 - £150,000
£150,001 - £500,000
£500,001 - £1,000,000
£1,000,001 - £1,500,000
£1,500,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (single life and joint life, first event) - 65 to 69 years
GPR
PMR
MER
Bio-chem
ECG
up to £100,000
£100,001 - £150,000
£150,001 - £350,000
£350,001 - £400,000
£400,001 - £1,000,000
£1,000,001 - £1,500,000
£1,500,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (single life and joint life, first event) - 70 to 74 years
GPR
PMR
MER
Bio-chem
ECG
up to £50,000
£50,001 - £150,000
£150,001 - £300,000
£300,001 - £1,000,000
£1,000,001 - £1,500,000
£1,500,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (single life and joint life, first event) - 75 and over
GPR
PMR
MER
Bio-chem
ECG
up to £25,000
£25,001 - £150,000
£150,001 - £250,000
£250,001 - £300,000
£300,001 - £1,000,000
£1,000,001 - £1,500,000
£1,500,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (joint life, second event) - up to and including 29 years
GPR
PMR
MER
Bio-chem
ECG
up to £1,375,000
£1,375,001 - £1,500,000
£1,500,001 - £2,200,000
£2,200,001 - £3,300,000
£3,300,001 - £4,125,000
£4,125,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (joint life, second event) - 30 to 34 years
GPR
PMR
MER
Bio-chem
ECG
up to £1,375,000
£1,375,001 - £1,500,000
£1,500,001 - £2,200,000
£2,200,001 - £3,300,000
£3,300,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (joint life, second event) - 35 to 39 years
GPR
PMR
MER
Bio-chem
ECG
up to £1,000,000
£1,000,001 - £1,500,000
£1,500,001 - £2,200,000
£2,200,001 - £3,300,000
£3,300,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (joint life, second event) - 40 to 44 years
GPR
PMR
MER
Bio-chem
ECG
up to £825,000
£825,001 - £1,500,000
£1,500,001 - £2,200,000
£2,200,001 - £2,475,000
£2,475,001 - £2,750,000
£2,750,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (joint life, second event) - 45 to 49 years
GPR
PMR
MER
Bio-chem
ECG
up to £675,000
£675,001 - £1,375,000
£1,375,001 - £1,500,000
£1,500,001 - £2,475,000
£2,475,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (joint life, second event) - 50 to 54 years
GPR
PMR
MER
Bio-chem
ECG
up to £425,000
£425,001 - £675,000
£675,001 - £1,500,000
£1,500,001 - £2,200,000
£2,200,001 - £3,300,000
£3,300,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
ife Cover (joint life, second event) - 55 to 59 years
GPR
PMR
MER
Bio-chem
ECG
up to £350,000
£350,001 - £450,000
£450,001 - £1,500,000
£1,500,001 - £1,650,000
£1,650,001 - £3,300,000
£3,300,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (joint life, second event) - 60 to 64 years
GPR
PMR
MER
Bio-chem
ECG
up to £200,000
£200,001 - £250,000
£250,001 - £800,000
£800,001 - £1,500,000
£1,500,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (joint life, second event) - 65 to 69 years
GPR
PMR
MER
Bio-chem
ECG
up to £100,000
£100,001 - £200,000
£200,001 - £300,000
£300,001 - £500,000
£500,001 - £1,500,000
£1,500,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (joint life, second event) - 70 to 74 years
GPR
PMR
MER
Bio-chem
ECG
up to £50,000
£50,001 - £200,000
£200,001 - £300,000
£300,001 - £375,000
£375,001 - £1,500,000
£1,500,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Life Cover (joint life, second event) - 75 and over
GPR
PMR
MER
Bio-chem
ECG
up to £50,000
£50,001 - £200,000
£200,001 - £250,000
£250,001 - £375,000
£375,001 - £1,500,000
£1,500,001 - £10,000,000
Over £10,000,000
Individual consideration applies, please contact your dedicated underwriter.
Critical illness Cover - up to and including 29 years
GPR
PMR
MER
Bio-chem
ECG
up to £480,000
£480,001 - £750,000
£750,001 - £1,000,000
£1,000,001 - £1,500,000
£1,500,001 - £3,000,000
Critical illness Cover - 30 to 34 years
GPR
PMR
MER
Bio-chem
ECG
up to £450,000
£450,001 - £750,000
£750,001 - £1,000,000
£1,000,001 - £1,500,000
£1,500,001 - £3,000,000
Critical illness Cover - 35 to 39 years
GPR
PMR
MER
Bio-chem
ECG
up to £425,000
£425,001 - £600,000
£600,001 - £750,000
£750,001 - £1,000,000
£1,000,001 - £1,500,000
£1,500,001 - £3,000,000
Critical illness Cover - 40 to 44 years
GPR
PMR
MER
Bio-chem
ECG
up to £350,000
£350,001 - £450,000
£450,001 - £500,000
£500,001 - £750,000
£750,001 - £1,500,000
£1,500,001 - £2,000,000
£2,000,001 - £3,000,000
Critical illness Cover - 45 to 49 years
GPR
PMR
MER
Bio-chem
ECG
up to £275,000
£275,001 - £350,000
£350,001 - £500,000
£500,001 - £750,000
£750,001 - £1,500,000
£1,500,001 - £2,000,000
£2,000,001 - £3,000,000
Critical illness Cover - 50 to 54 years
GPR
PMR
MER
Bio-chem
ECG
PSA
up to £150,000
£150,001 - £200,000
£200,001 - £500,000
£500,001 - £750,000
£750,001 - £1,500,000
£1,500,001 - £3,000,000
Critical illness Cover - 55 to 59 years
GPR
PMR
MER
Bio-chem
ECG
PSA
up to £100,000
£100,001 - £150,000
£150,001 - £400,000
£400,001 - £600,000
£600,001 - £1,500,000
£1,500,001 - £3,000,000
Critical illness Cover - 60 to 64 years
GPR
PMR
MER
Bio-chem
ECG
PSA
up to £50,000
£50,001 - £100,000
£100,001 - £150,000
£150,001 - £500,000
£500,001 - £3,000,000
Critical illness Cover - 65 and over
GPR
PMR
MER
Bio-chem
ECG
PSA
up to £50,000
£50,001 - £100,000
£100,001 - £150,000
£150,001 - £500,000
£500,001 - £3,000,000
Life or Critical Illness Cover - up to and including 29 years
GPR
PMR
MER
Bio-chem
ECG
up to £480,000
£480,001 - £750,000
£750,001 - £1,000,000
£1,000,001 - £1,500,000
£1,500,001 - £3,000,000
Life or Critical Illness Cover - 30 to 34 years
GPR
PMR
MER
Bio-chem
ECG
up to £450,000
£450,001 - £750,000
£750,001 - £1,000,000
£1,000,001 - £1,500,000
£1,500,001 - £3,000,000
Life or Critical Illness Cover - 35 to 39 years
GPR
PMR
MER
Bio-chem
ECG
up to £425,000
£425,001 - £600,000
£600,001 - £750,000
£750,001 - £1,000,000
£1,000,001 - £1,500,000
£1,500,001 - £3,000,000
Life or Critical Illness Cover - 40 to 44 years
GPR
PMR
MER
Bio-chem
ECG
up to £350,000
£350,001 - £450,000
£450,001 - £500,000
£500,001 - £750,000
£750,001 - £1,500,000
£1,500,001 - £2,000,000
£2,000,001 - £3,000,000
Life or Critical Illness Cover - 45 to 49 years
GPR
PMR
MER
Bio-chem
ECG
up to £275,000
£275,001 - £350,000
£350,001 - £500,000
£500,001 - £750,000
£750,001 - £1,500,000
£1,500,001 - £2,000,000
£2,000,001 - £3,000,000
Life or Critical Illness Cover - 50 to 54 years
GPR
PMR
MER
Bio-chem
ECG
PSA
up to £150,000
£150,001 - £200,000
£200,001 - £500,000
£500,001 - £750,000
£750,001 - £1,500,000
£1,500,001 - £3,000,000
Life or Critical Illness Cover - 55 to 59 years
GPR
PMR
MER
Bio-chem
ECG
PSA
up to £100,000
£100,001 - £150,000
£150,001 - £400,000
£400,001 - £600,000
£600,001 - £1,500,000
£1,500,001 - £3,000,000
Life or Critical Illness Cover - 60 to 64 years
GPR
PMR
MER
Bio-chem
ECG
PSA
up to £50,000
£50,001 - £100,000
£100,001 - £150,000
£150,001 - £500,000
£500,001 - £3,000,000
Life or Critical Illness Cover - 65 and over
GPR
PMR
MER
Bio-chem
ECG
PSA
up to £50,000
£50,001 - £100,000
£100,001 - £150,000
£150,001 - £500,000
£500,001 - £3,000,000
Income Protection or Key Person Income Protection - up to and including 39 years
GPR
PMR
MER
Bio-chem
ECG
up to £36,000 pa
£36,001 - £40,000 pa
£40,001 - £75,000 pa
£75,001 - £150,000 pa
£150,001 - £250,000 pa
Income Protection or Key Person Income Protection - 40 to 44 years
GPR
PMR
MER
Bio-chem
ECG
up to £30,000 pa
£30,001 - £36,000 pa
£36,001 - £50,000 pa
£50,001 - £150,000 pa
£150,001 - £250,000 pa
Income Protection or Key Person Income Protection - 45 to 49 years
GPR
PMR
MER
Bio-chem
ECG
up to £24,000 pa
£24,001 - £30,000 pa
£30,001 - £50,000 pa
£50,001 - £75,000 pa
£75,001 - £150,000 pa
£150,001 - £250,000 pa
Income Protection or Key Person Income Protection - 50 to 54 years
GPR
PMR
MER
Bio-chem
ECG
up to £15,000 pa
£15,001 - £18,000 pa
£18,001 - £50,000 pa
£50,001 - £75,000 pa
£75,001 - £150,000 pa
£150,001 - £250,000 pa
Income Protection or Key Person Income Protection - 55 to 60 years
GPR
PMR
MER
Bio-chem
ECG
up to £10,000 pa
£10,001 - £15,000 pa
£15,001 - £30,000 pa
£30,001 - £50,000 pa
£50,001 - £75,000 pa
£75,001 - £150,000 pa
£150,001 - £250,000 pa
Key:
GPR = General Practitioner's Report
PMR = Paramed (nurse examination)
MER = Medical Examiner's Report (doctor examination)
ECG = Stress Electrocardiogram (resting and exercise)
Bio-chem = Full Blood Profile (including biochemistry + haematology)
PSA = Prostate Specific Antigen for men
Paramed and medical examination report will include a cotinine test for all non-smokers.
The ages used are current age attained.
The maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £3,000,000.
The maximum yearly amount of Income Protection available is £250,000.
