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Non-medical limits


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Automatic medical limits

This information is factually correct as at February 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 Form Nil up to £700,000 up to £500,000 up to £300,000 up to £100,000
Level 1 Screen Vitality Screen, Finger Prick Cholesterol and Blood Sugar, Cotinine for all non-smokers. (Reflexive Venous Blood Tests)
£700,001 - £1,500,000
£500,001 - £1,000,000
£300,001 - £650,000
£100,001 - £400,000
Level 2 Screen Vitality Screen, Lipid Profile, Blood Sugar and HBA1C, Renal Function Tests, Liver Function Tests, 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 Screen Medical Examination, Haematology & Biochemistry, GPR, Resting ECG, PSA males age band 3 £3,000,001 - £6,000,000 £2,000,001 - £4,000,000 £1,500,001 - £2,500,000 Go To Level 4
Level 4 Screen Medical Examination, Haematology & Biochemistry, MSU, GPR, Exercise ECG, PSA males age band 3 & 4 £6,000,001+ £4,000,001+ £2,500,001+ £650,001+

Serious Illness Cover (SIC) and Disability Cover (DC) 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 Form Nil up to £500,000 up to £300,000 up to £150,000 up to £75,000
Level 1 Screen Vitality Screen, Finger Prick Cholesterol and Blood Sugar, Cotinine for all non-smokers. (Reflexive Venous Blood Tests) £500,001 - £1,000,000 £300,001 - £500,000 Go To Level 2 Go To Level 2
Level 2 Screen Vitality Screen, Lipid Profile, Blood Sugar and HBA1C, Renal Function Tests, Liver Function Tests, Cotinine for all non-smokers. GPR age bands 3 & 4 Go To Level 3 £500,001 - £750,000 £150,001 - £300,000 £75,001 - £150,000
Level 3 Screen Medical Examination, Haematology & Biochemistry, GPR, Resting ECG, 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 Screen Medical Examination, Haematology & Biochemistry, MSU, GPR, Exercise ECG, PSA males age band 3 & 4 £2,000,001+ £1,500,001+ £500,001+ £300,001+

HIV Limits: Information for Financial Advisers

Benefit Type HIV Limit
Life Cover - up to Age 65 £1,500,001
Serious Illness Cover/ Disability Cover - up to Age 65  £1,000,001
Income Protection Cover £4,167 (per month)

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 Form Nil up to £2,083 up to £1,666 up to £1,250 Go To Level 1 Go To Level 1
Level 1 Screen Vitality Screen, Finger Prick Cholesterol and Blood Sugar, Cotinine for all non-smokers. (Reflexive Venous Blood Tests) £2,084 - £3,333 £1,667 - £2,916 £1,251 - £2,500 up to £1,500 up to £1,000
Level 2 Screen Medical Examination, GPR  £3,334 – £4,166 £2,917 – £3,333 £2,501 – £3,333 £1,501 – £2,500 £1,001 – £2,500
Level 3 Screen Medical Examination, Haematology & Biochemistry, GPR £4,167 - £5,833 £3,334 - £5,000 £3,334 - £5,000 £2,501 - £3,333 £2,501 - £3,333
Level 4 Screen Medical Examination, Haematology & Biochemistry, MSU, GPR, Exercise ECG £5,834+ £5,001+ £5,001+ £3,334+ £3,334+

Income Protection Cover (Deferred Period 1, 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 Form Nil up to £3,000 up to £2,000 up to £1,500
Level 1 Screen Vitality Screen, Finger Prick Cholesterol and Blood Sugar, Cotinine for all non-smokers. (Reflexive Venous Blood Tests)  £3,001 - £4,166 £2,001 - £3,000 £1,501 - £2,500
Level 2 Screen Vitality Screen, Lipid Profile, Blood Sugar and HBA1C, Renal Function Tests, Liver Function Tests, Cotinine for all non-smokers. GPR age bands 3 £4,167 – £5,833 £3,001 – £4,166 £2,501 – £3,333
Level 3 Screen Medical Examination, Haematology & Biochemistry, GPR, Resting ECG £5,834 - £6,666 £4,167 - £5,833 £3,334 - £4,166
Level 4 Screen Medical Examination, Haematology & Biochemistry, MSU, GPR, Exercise ECG £6,667+ £5,834+ £4,167+

Notes:

  1. 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 
  2. All non-smokers requiring medical evidence undertake an instant cotinine test
  3. Medical examinations are usually undertaken by a doctor but a nurse may perform these on occasion subject to clients location 
  4. Automatic requirements are based on total sums assured with VitalityLife
  5. 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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