There are some conditions that we’ll apply a sum assured restriction to if your client has suffered from them.
- Invasive cancer
- Diabetes - All type 1 and some type 2 diabetes
- Chronic heart disease
- Chronic kidney disease
We’ve chosen these conditions due to their high decline rates. When these medical conditions are disclosed, our automated underwriting system will only continue with questioning where the sum assured for Life Cover or Critical Illness Cover is £250,000 or over.