Non-medical limits

Automatic medical limits

This information is factually correct as at October 2021, 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.

Underwriting requirements	Up to age 35	36-40	41-45	46-50	51-55	56-60	61-65	66-70	Age 71 and over
No Automatic Requirements	Up to £700,000	up to £700,000	up to £500,000	up to £500,000	up to £300,000	up to £300,000	up to £100,000	up to £100,000	up to £75,000
Vitality Screen, Finger-prick blood test, COT	£700,001 - £1,500,000	£700,001 - £1,500,000	£500,001 - £1,000,000	£500,001 - £1,000,000	£300,001 - £650,000	£300,001 - £650,000	£100,001 - £400,000	£100,001 - £400,000	£100,001 - £400,000
Vitality Screen, Venous Vitality Blood Screen, COT	£1,500,001 - £3,000,000	£1,500,001 - £3,000,000	£1,000,001 - £2,000,000	£1,000,001 - £2,000,000	£650,001 - £1,500,000	£650,001 - £1,500,000	£400,001 - £650,000	£400,001 - £650,000	£400,001 - £650,000
MER, HAEM, BCH, COT	£3,000,001+	£3,000,001+	£2,000,001+	£2,000,001+	£1,500,001+	£1,500,001+	£650,001+	£650,001+	£650,001+
GPR	£1,500,001+	£1,000,001+	£1,000,001+	£750,001+	£450,001+	£350,001+	£200,001+	£150,001+	£75,001+
HIV	£1,500,001+	£1,500,001+	£1,500,001+	£1,500,001+	£1,500,001+	£1,500,001+	£1,500,001+	N/A	N/A
EECG	£6,000,001+	£6,000,001+	£4,000,001+	£4,000,001+	£2,500,001+	£2,500,001+	£650,001+	£650,001+	£650,001+
PSA for male lives	N/A	N/A	N/A	N/A	£4,000,001+	£4,000,001+	£2,500,001+	£2,500,001+	£2,500,001+

Underwriting Requirements	Up to age 40	41 - 50	51 - 60	Age 61 and over
No Automatic Requirements	up to £500,000	up to £300,000	up to £150,000	up to £75,000
Vitality Screen, Finger-prick blood test, COT	£500,001 - £1,000,000	£300,001 - £500,000	N/A	N/A
Vitality Screen, Venous Vitality Blood Screen, COT	N/A	£500,001 - £750,000	£150,001 - £300,000	£75,001 - £150,000
MER, HAEM, BCH, COT	£1,000,001+	£750,001+	£300,001+	£150,001+
GPR	£1,000,001+	£750,001+	£150,001+	£75,001+
HIV	£1,000,001+	£1,000,001+	£1,000,001+	£1,000,001+
EECG	£2,000,001+	£1,500,001+	£500,001+	£300,001+
PSA for males lives	N/A	N/A	£300,001+	£150,001+

Underwriting Requirements	Up to age 40	41 - 50	51 - 60
No Automatic Requirements	Up to £3,000	Up to £2,000	Up to £1,500
Vitality Screen, Finger-prick blood test, COT	£3,001 - £4,166	£2,001 - £3,000	£1,501 - £2,500
Vitality Screen, Venous Vitality Blood Screen, COT	£4,167 – £5,833	£3,001 – £4,166	£2,501 – £3,333
MER, HAEM, BCH, COT	£5,834+	£4,167+	£3,334+
GPR	£5,834+	£4,167+	£2,501+
HIV	£4,167+	£4,167+	£4,167+
EECG	£6,667+	£5,834+	£4,167+

Notes:

If a venous blood test is required then a finger prick test is not required as well.
If a Medical Examination is required a Vitality screen is not required as well.
Finger-prick test 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. This test is not required for smokers.
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:

HAEM Blood Haematology
GPR General Practitioner's report
BCH Blood Biochemistry
Vitality Screen Medical examination by a nurse
PSA Prostate Specific Antigen
MER Medical Examiner's report
ExECG Exercise Electrocardiogram
Venous Vitality Blood Screen traditional blood test using a needle, which tests for cholesterol and glucose
Finger Prick Blood Test finger prick blood test which tests for cholesterol and glucose.

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