It varies by provider and circumstances, but setting it up correctly (and using trusts where suitable) can help claims run smoothly.

Often yes — it may affect pricing or exclusions, but we’ll guide you through what’s realistic and help you find the best option.

Usually not. Most applications are done with health questions, and occasionally insurers may request more information from your GP.

It depends on age, smoking status, health, and the amount/term of cover. We’ll give you options at different price points.