Thank you for visiting Life Insurance Questions.com, a guide to the insurance questions that you are likely to be faced with when making a life insurance application for a product such as a Life Term Insurance Policy.
Unfortunately we cannot guarantee that the questions that we use on this site will be the exact questions that you will face when you make a life insurance application as these differ from country to country and insurer to insurer, however it is highly unlikely that what you find will be incredibly different. Insurance medical questions will likely be very similar because medical conditions are of course universal.
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.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:
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!