Medical Circumstances and Underwriting Process
An applicant’s medical history will be considered when a Life Office is underwriting a new policy. If an applicant has a poor medical history with numerous ailments their policy will include ‘premium loading’.
Premium Loading is whereby the policyholder will be charged an additional premium because there is a higher probability of a claim.
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A&J Wealth Management Ltd
© 2023 A&J WEALTH MANAGEMENT LTD A&J Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority. Financial Services Register, no 428590, at www.fca.org.uk/register Registered in England, Company no: 5105933. Registered Head Office: Sawfords, Bigfrith Lane, Cookham Dean, Maidenhead, Berkshire SL6 9PH