Life Insurance Questions
Welcome to life-insurance-questions.com where we offer a free guide to the life insurance questions that you are likely to be asked when you are making an application for any of the types of life insurance products in the market today, for instance the popular life term insurance policy.
It is important to remember that by trying to get this information from an insurer’s website directly will involve actually going through the application process itself which you may not yet be ready to do. Check out what we have to say first it’s free and we are not trying to persuade you into anything.
Although we cannot guarantee that every insurer is going to ask the exact same questions the information that we give you here free of charge is a very good outline as to what information you are going to need to gather before you make you life insurance application. You really should aim to be prepared in order for the application to be processed by the insurance company as quickly and effectively as possible.
The life insurance medical questions asked by insurers can vary from company to company and from country to country, but as we all know medical conditions along with every other aspect of an application form are universal (for instance medical conditions don’t differ depending on where you are in the world) so never expect them to be completely different. Please feel free to read what we have to offer and good luck in your application.
Any life insurance policy that has combined Life and Critical Illness Cover will have additional questions to regular a regular Life Term Assurance Policy. For more information on Life and Critical Illness Cover please click.
By applying for life insurance you are entering into a contract with the insurer so in order for the insurer to find out exactly how insurable you are they will ask you a series of questions.
The basic cost of the insurance is based upon mortality tables which provide costs in relation to an applicants age, sex and whether they use tobacco products or not. So when an initial price for the insurance is quoted it is these factors that the quote is based on. The life insurance application process will then define how each applicant differs from the next and by using their answers and in many cases a subsequent life insurance underwriting process they can charge the applicant accordingly.
When you complete your life insurance application it is of paramount importance that you answer each and every question in earnest truth or to the very best of your knowledge. If you fail to do this you can invalidate any claim that is later made on the policy.
We have also provided a large frequently asked questions page in relation to making a life insurance application.Type of Life Insurance Questions
What questions will I be asked when I complete my Life Insurance Application?
The life insurance questions that you are likely to be asked have been broken down into the following sections with a dedicated sub page for each:
- Life Insurance Personal Details - Policy Holder's Personal Details and Life Assureds Personal Details
- Life Insurance Cover Details - Details on the amount of cover you are applying for
- Life Insurance Lifestyle Questions - Details on any other life insurance you already have in place, occupation details and activities that you partake in. Height and weight details along with tobacco and alcohol consumption volumes.
- Life Insurance Medical Questions - Insurance medical questions and health questions including details about your GP
Please also see our frequently asked life insurance medical questions page which is devoted to the kind of questions that you the consumer ask before making a life insurance application.
When completing an application form it is very important to read the form thoroughly and ensure that each and every question applicable to you is completed. If you are completing a life insurance application online then any information that is required will be flagged and the process will not complete until you have entered all that they are looking for.
However when you are completing a proposal form, even with a financial adviser or broker it can be easy to miss things out. This will only prolong the application process as the insurer will need the relevant questions completed and signed for by you the applicant so they will send sections of the forms back to you. Get it right first time and you are making the process much easier for yourself!
Next Page - Life Insurance Personal Details
