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Non-medical limits


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Automatic medical limits

This information is factually correct as at January 2016, 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 Nurse screen with ‘Finger Prick’ Blood Test
£700,001 - £1,500,000
£500,001 - £1,000,000
£300,001 - £650,000
£100,001 - £400,000
Level 2 Screen (GPR age bands 3 & 4), Nurse screen, Venous Blood Test £1,500,001 - £3,000,000 £1,000,001 - £2,000,000 £650,001 - £1,500,00 £400,001 - £650,000
Level 3 Screen GPR, Medical Examination, Venous Blood Test, ECG £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 GPR, Medical Examination, Venous Full Blood Profile, Urinalysis, ECG £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 Nurse screen with ‘Finger Prick’ Blood Test £500,001 - £1,000,000 £300,001 - £500,000 Go To Level 2 Go To Level 2
Level 2 Screen (GPR age bands 3 & 4), Nurse screen, Venous Blood Test Go To Level 3 £500,001 - £750,000 £150,001 - £300,000 £75,001 - £150,000
Level 3 Screen GPR, Medical Examination, Venous Blood Test, ECG £1,000,001 - £2,000,000 £750,001 - £1,500,000 £300,001 - £500,000 £150,001 - £300,000
Level 4 Screen GPR, Medical Examination, Venous Full Blood Profile, Urinalysis, ECG £2,000,001+ £1,500,001+ £500,001+ £300,001+

HIV Limits: Information for Financial Advisers

Benefit Type HIV Limit
Life Cover £1,500,001
Serious Illness Cover/ Disability Cover £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 Nurse screen £2,084 - £3,333 £1,667 - £2,916 £1,251 - £2,500 up to £1,500 up to £1,000
Level 2 Screen GPR, Medical Examination £3,334 – £4,166 £2,917 – £3,333 £2,501 – £3,333 £1,501 – £2,500 £1,001 – £2,500
Level 3 Screen GPR, Medical Examination, Venous Blood Test £4,167 - £5,833 £3,334 - £5,000 £3,334 - £5,000 £2,501 - £3,333 £2,501 - £3,333
Level 4 Screen GPR, Medical Examination, Venous Blood Test, ECG £5,834+ £5,001+ £5,001+ £3,334+ £3,334+

Income Protection Cover (Deferred Period 4,13,26 & 52 weeks) 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 Nurse screen with ‘Finger Prick’ Blood Test £3,001 - £4,166 £2,001 - £3,000 £1,501 - £2,500
Level 2 Screen (GPR age band 3), Nurse screen, Venous Blood Test £4,167 – £5,833 £3,001 – £4,166 £2,501 – £3,333
Level 3 Screen GPR, Medical Examination, Venous Blood Test, ECG £5,834 - £6,666 £4,167 - £5,833 £3,334 - £4,166
Level 4 Screen GPR, Medical Examination, Venous Full Blood Profile, Urinalysis, 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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