If you participate in a dangerous sport or pastime, ensure you inform you life insurance provider. As you may not be covered should an accident occur. If you already have insurance, check the small print to see what you are covered for and what you are not, especially for one time trips, say on holiday. Your Holiday insurance may cover you to be flown home, but the cause of death may prevent any cliam being paid out.
If you are overweight it may affect how much you pay for your life insurance. Some insurers take obesity into account when assessing their applications.
Taking out a joint policy with your spouse or partner will be cheaper than having two separate policies. But remember it only pays out on the death of the first policyholder.
You may need to undergo a medical depending on your medical history or the type of policy you are wanting to take out. This will help determine your status and get you a better policy deal. trying to hide medical conditions, is likely to void your policy at a time you may need it.
