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Non-medical limits


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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.

Life Cover Non-Medical Limits: Information for Financial Advisers

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+

Serious Illness Cover (SIC) Non-Medical Limits: Information for Financial Advisers

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+

Income Protection Cover (Deferred Period 4 weeks, 2, 3, 6 & 12 Month Deferred Period) Non-Medical Limits – Monthly Benefits: Information for Financial Advisers

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:

  1. If a venous blood test is required then a finger prick test is not required as well.
  2. If a Medical Examination is required a Vitality screen is not required as well.
  3. 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 
  4. All non-smokers requiring medical evidence undertake an instant cotinine test. This test is not required for smokers.
  5. Medical examinations are usually undertaken by a doctor but a nurse may perform these on occasion subject to clients location 
  6. Automatic requirements are based on total sums assured with VitalityLife
  7. 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.

Where to next?

  • Conditions Covered

    Look up the common conditions covered in our plans for your clients.

  • Financial Limits

    See what level of financial evidence is required from your clients.

  • Life Insurance Homepage

    Positively different life insurance covering Personal, Business and Mortgage protection.

  • Underwriting

    Read about our approach to determining the premiums your clients pay for their cover with Vitality.

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