Some insurers may have made adaptations to their underwriting process during this time.
You may now be asked if you are suffering from any Coronavirus symptoms (persistent cough, high temperature and shortness of breath) or if you have tested positive for Coronavirus.
You may also be asked if you’ve been advised to isolate, are currently isolating or have had recent contact with anyone who has tested positive for/has a suspected case of Coronavirus.
If you’ve recently travelled this could also have an impact.
If you’ve recently returned from any high-risk countries (such as China or Italian towns), your policy may be postponed until further notice.
Please note: each insurer is different and while this may be the case with some insurers it may not be true of all insurers.
It may seem appealing to not disclose any symptoms you are experiencing or any travel you have recently undergone in order to obtain life insurance.
However, if you were to pass away and it was found that you hadn’t been truthful about your health and well-being at the time of application, it can lead to your claim becoming void and no pay out being made to your loved ones.