We will advise you of any medical requirements when we receive your application; normally, if you’re in good health, under age 50, and applying for life cover of less than US$750,000, we won’t require you to undertake a medical examination.
If you are aged 18-54 with no claims, you may qualify for lower rates and for under 40s, rate reductions of up to 30% are available compared to 2018 rates.