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Non-medical limits
Automatic medical limits
This information is factually correct as at September 2019, however limits may be subject to change in the future.
Please note, our age bands in the tables below refer to a customer’s age “next birthday”, not their current age.
Life Cover Non-Medical Limits: Information for Financial Advisers
| Underwriting information | Requirements |
Age band 1: Up to 40
|
Age band 2: 41 - 50 | Age band 3: 51 - 60 | Age band 4: 61+ |
|---|---|---|---|---|---|
| Application, Confirmation Schedule | Nil | up to £700,000 | up to £500,000 | up to £300,000 | up to £100,000 |
| Level 1 | Vitality Screen, Finger-prick Cholesterol & Glucose (Reflexive venous blood tests), Cotinine for all non-smokers |
£700,001 - £1,500,000
|
£500,001 - £1,000,000
|
£300,001 - £650,000
|
£100,001 - £400,000
|
| Level 2 | Vitality Screen, Venous Vitality Blood Screen, Cotinine for all non-smokers + GPR age bands 3 & 4 | £1,500,001 - £3,000,000 | £1,000,001 - £2,000,000 | £650,001 - £1,500,00 | £400,001 - £650,000 |
| Level 3 | GPR, Medical Examination, Haematology & Biochemistry, Cotinine for all non-smokers | £3,000,001 - £6,000,000 | £2,000,001 - £4,000,000 | £1,500,001 - £2,500,000 | N/A |
| Level 4 | GPR, Medical Examination, Haematology & Biochemistry, Cotinine for all non-smokers , EECG + PSA males age band 3 £4,000,001, PSA males age band 4 £2,500.001 | £6,000,001+ | £4,000,001+ | £2,500,001+ | £650,001+ |
Serious Illness Cover (SIC) Non-Medical Limits: Information for Financial Advisers
| UW Information | Requirements |
Age Band 1: Up to 40
|
Age Band 2: 41 - 50 |
Age Band 3: 51 - 60
|
Age Band 4: 61+
|
||||
|---|---|---|---|---|---|---|---|---|---|
| Application, Confirmation Schedule | Nil | up to £500,000 | up to £300,000 | up to £150,000 | up to £75,000 | ||||
| Level 1 | Vitality Screen, Finger-prick Cholesterol & Glucose, (Reflexive venous blood tests), Cotinine for all non-smokers | £500,001 - £1,000,000 | £300,001 - £500,000 | N/A | N/A |
||||
| Level 2 | Vitality Screen, Venous Vitality Blood Screen, Cotinine for all non-smokers + GPR age bands 3 & 4 | N/A | £500,001 - £750,000 | £150,001 - £300,000 | £75,001 - £150,000 | ||||
| Level 3 | GPR, Medical Examination, Haematology & Biochemistry, Cotinine for all non-smokers + PSA males age band 3 & 4 |
£1,000,001 - £2,000,000 | £750,001 - £1,500,000 | £300,001 - £500,000 | £150,001 - £300,000 | ||||
| Level 4 | GPR, Medical Examination, Haematology & Biochemistry, Cotinine for all non-smokers , EECG + PSA males age band 3 & 4 | £2,000,001+ | £1,500,001+ | £500,001+ | £300,001+ | ||||
Income Protection Cover (Deferred Period 7 Days) Non-Medical Limits – Monthly Benefits: Information for Financial Advisers
| UW Information | Requirements | Age Band 1: Up to 40 | Age Band 2: 41 - 45 | Age Band 3: 46 - 50 | Age Band 4: 51 - 55 | Age Band 5: 56 - 60 |
|---|---|---|---|---|---|---|
| Application, Confirmation Schedule | Nil | up to £2,083 | up to £1,666 | up to £1,250 | N/A | N/A |
| Level 1 | Vitality Screen, Finger-prick Cholesterol & Glucose, (Reflexive venous blood tests), Cotinine for all non-smokers | £2,084 - £3,333 | £1,667 - £2,916 | £1,251 - £2,500 | up to £1,500 | up to £1,000 |
| Level 2 | GPR, Medical Examination, Cotinine for all non-smokers | £3,334 – £4,166 | £2,917 – £3,333 | £2,501 – £3,333 | £1,501 – £2,500 | £1,001 – £2,500 |
| Level 3 | GPR, Medical Examination, Haematology & Biochemistry, Cotinine for all non-smokers | £4,167 - £5,833 | £3,334 - £5,000 | £3,334 - £5,000 | £2,501 - £3,333 | £2,501 - £3,333 |
| Level 4 | GPR, Medical Examination, Haematology & Biochemistry, Cotinine for all non-smokers , EECG | £5,834+ | £5,001+ | £5,001+ | £3,334+ | £3,334+ |
Income Protection Cover (Deferred Period 4 weeks, 2, 3, 6 & 12 Month Deferred Period) Non-Medical Limits – Monthly Benefits: Information for Financial Advisers
| UW Information | Requirements | Age Band 1: Up to 40 | Age Band 2: 41 - 50 | Age Band 3: 51 - 60 |
|---|---|---|---|---|
| Application, Confirmation Schedule | Nil | up to £3,000 | up to £2,000 | up to £1,500 |
| Level 1 | Vitality Screen, Finger-prick Cholesterol & Glucose, (Reflexive venous blood tests), Cotinine for all non-smokers | £3,001 - £4,166 | £2,001 - £3,000 | £1,501 - £2,500 |
| Level 2 | Vitality Screen, Venous Vitality Blood Screen, Cotinine for all non-smokers + GPR age band 3 | £4,167 – £5,833 | £3,001 – £4,166 | £2,501 – £3,333 |
| Level 3 | GPR, Medical Examination, Haematology & Biochemistry, Cotinine for all non-smokers | £5,834 - £6,666 | £4,167 - £5,833 | £3,334 - £4,166 |
| Level 4 | GPR, Medical Examination, Haematology & Biochemistry, Cotinine for all non-smokers, EECG | £6,667+ | £5,834+ | £4,167+ |
HIV Limits
| Benefit type | HIV Limit |
|---|---|
| Life Cover - Up to Age 65 | £1,500,001 |
| SIC / DC Cover - Up to Age 65 | £1,000,001 |
| IP Cover - Up to Age 60 | £4,167 per month. |
Notes:
- Finger-prick test (used for level 1 screen) provides instant cholesterol & blood glucose results – venous (traditional blood test using a needle) only required if the finger-prick results are out of the normal range
- All non-smokers requiring medical evidence undertake an instant cotinine test
- Medical examinations are usually undertaken by a doctor but a nurse may perform these on occasion subject to clients location
- Automatic requirements are based on total sums assured with VitalityLife
- For ages 65+ regardless of sum assured we won't ask for an HIV test
Key
- Tele Interview Telephone call between underwriter and life assured
- HAEM Blood Haematology
- GPR General Practitioner's report
BCH Blood Biochemistry - Nurse Screening Medical examination by a nurse
- MSU Microscopic Urinalysis
- Doctor Screening Medical examination by a doctor
- PSA Prostate Specific Antigen
- MER Medical Examiner's report
- PFT Pulmonary Function Tests
- ExECG Exercise Electrocardiogram
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