Yes - everyone gets asked that same question now anyway.
If you are applying for a particularly large level of insurance cover, eg: $1,000,000 or more, all applicants (regardless of medical status) will usually be required to undergo a blood test for HIV and cholesterol as standard practice.
As part of the typical underwriting process, a life insurance company will usually request a medical history report from a person's nominated GP or Medical Specialist when they are completing an application for insurance.
If you would like an editable PDF version of such a form you can ask us for one and take that direct to your GP or clinic too.
No. The privacy laws are very strict and you don't have to answer questons in front of your partner. In fact, you have to give your consent before being asked any sensitive medicqal questions too. You get to control where an application takes place and who you permit to be there.
No not at all. Our senior adviser Drew Browne is a front-line underwriter and he's particularly comfortable and skilled at talking about what matters most with people, in a down to earth and respectful way. A little preparation beforehand and the process is straightforward and usually completed in about 30-40 minutes.
Here's one of our fun explainer videos that talks directly about this question.
Before you enter into any insurance contract, you have a legal Duty of Disclosure under the Insurance Contacts Act 1984 to:
This same legal duty continues to exist only until the insurance contract is formally issued (and the policy is in force).
The importance of the Duty of Disclosure is written on every application questionnaire and you should take the time to read it.
No. We’re here to help. We can do it all for you or you can be involved too. After a quick conversation we try and complete forms online or over the phone, whatever is best for you.
A typical application is made up of two sections.
Today where possible we use online and over the phone options to complete Life insurance applications so the whole process becomes easier and more private.
About 20 – 30 minutes depending upon the level of detail needed. But you can help and collect the results of your blood work ahead of time, that will speed up the process. And by authorising us to use that information in a formal application, the application process becomes super fast.