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Lucky applicants for life insurance can be insured within 48 hours and at the premium quoted - but 2 in 3 applicants are faced with delays plus the prospect of having their premium loaded is required by insurance life companies in britain So who are the lucky ones? Basically, you'll have to be as fit as a flea with no family history of serious illness, under 45, in an office type job and probably applying for less than ?250,000 cover is required by insurance life companies in britain For everyone else there is going to be some hassle is required by insurance life companies in britain When an insurer provides an initial quote for life insurance, all they know is your age, sex and smoking status is required by insurance life companies in britain They use these details to make an initial prediction of how long you are likely to live and on that basis they give you an initial quotation is required by insurance life companies in britain They call it their "Standard Terms" is required by insurance life companies in britain If you want to progress your application you'll have a multi-page application to complete is required by insurance life companies in britain This isn't as daunting as it may seem, as most online operators take your details over the phone and send you a copy of the completed application for you to check over is required by insurance life companies in britain But the questions are extensive and if you miss out anything that later turns out to be significant, your insurance may well be invalidated is required by insurance life companies in britain So be warned and take care! The insurers use your application details to look out for anything that signals current or future concerns about your health or life style is required by insurance life companies in britain Besides the obvious questions that reveal health problems, they also evaluate your weight, alcohol and nicotine intake, and any potentially inherited health problems is required by insurance life companies in britain So if your father died of a heart attack or mother died from breast cancer, they'll be concerned is required by insurance life companies in britain

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