Answer:

Once your policy has gone through the underwriting process and you are happy with the terms offered your policy can start your cover on a day of your choosing. If your application is immediately underwritten you can get your Life Insurance started straight away, this can take as little as a half hour of your time. If you have a special risk such as a significant medical history, then you may find that the underwriting process takes a little longer. This could be anywhere from a few hours so that the insurers underwriters can review your case before they offer acceptance terms, through to a few weeks if it is necessary for the insurer to speak with your GP regarding your health.

No matter what, once you are provided with acceptance terms on your policy whether they are normal or special terms, the ball is in your court as to when you start your policy. If you choose to wait too long then insurance companies do hold the right to contact your GP again for updates on health (usually this does not happen unless you wait months).

If you have any more questions give us a call on 0800 567 7450 or if you would like more information on Life Insurance click here.

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