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Do you Need Life Insurance to Start Today?
Have you have been putting off taking out your life insurance or just need it immediately? Waiting for a medical is a delay you may not want when trying to arrange urgent cover.
Many insurance companies have underwriting limits. This means even if you are healthy when you apply for a certain level of cover a medical will be required.
These are Free but they will delay the cover starting by several weeks.
So How can you Obtain Instant Life Cover?
One option is to limit the amount of cover you apply for to the maximum the insurance company will allow without a medical.
Below is a table that gives you an indication of the level of life insurance you could have instantly today if you are accepted on standard rates by a life insurance company.
| Sum Assured | 17-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-75 |
|---|---|---|---|---|---|---|---|---|---|---|
| to £50000 |  |
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| £50000 to £100,000 | |
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| £100,001 to £150,000 | |
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| £150,001 to £200,000 | |
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| £200,001 to £300,000 | |
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| £300,001 to £400,000 | |
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| £400,001 to £500,000 | |
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| £500,001 to £550,000 | |
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| £550,001 to £750,000 | |
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| £750,001 to £825,000 | |
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| £825,001 to 1,000,000 | |
Correct as of the 01/06/2024 This is an example of AIG Life's Underwriting limits for life cover only.
Other providers will have different limits. If when you do your life insurance quotes with us AIG are not the best price please speak to us. One of our advisors will help you with information on a different insurance companies underwriting limits for instant cover.
Do You Want to Know what can affect your Life Insurance Rates?
We have a detailed guide to life insurance rates where you can read about the factors that could affect the price you pay. There also guides to how much life cover your need and if indexation is option you might consider.
What is an Instant Life Insurance Plan?
Are you in A1 health ?
AIG Life also have a unique plan that aims to have you Instantly covered for life insurance today. This plan has a simplified set of health questions and offers different levels of instant cover. Below is a table of the maximum cover available for this plan without a medical.
| Your Age | Maximum Cover Amount |
|---|---|
| 17-40 | £750,000 |
| 41-45 | £600,000 |
| 46-55 | £350,000 |
| 56-59 | £200,000 |
Correct as of the 01/06/2024
Do you want Life Insurance Advice With Online Discounted Rates?
With Go Direct our advisors will help to try and find you the cover that is right for you. If the amount of life cover you need meets the limits for one specific insurance company they will be able to advise you.
All of this service is available with our discounted Online Life Insurance rates. We sacrifice up to 50% of the initial set up commission back into your policy. No gimmicks, cash backs in a year, no gift cards just great low rates from the start of your plan. will be on our cheap life insurance rates from the instant your start your policy.
Do you want your Life Insurance Placed in Trust for Free?
But what is a trust and what are its benefits? A trust can put the right money in the right hands at the right time. It is where the policy can be set up for the benefit of a named individual, for example, another family member.
When a Go Direct advisor arranges a policy for you they will help you place the policy in trust. Putting your policy in trust can be done for no extra cost.