Non-medical limits

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.

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+

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+

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+

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:

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

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