Life Insurance Quote

What you should know before you apply

Are you eligible?

To apply for M&S Life Insurance you have to be a UK resident aged between 17 and 69.

Policy document

Before you start your quote, you should read our policy document.

What you’ll be asked for

• Your doctor’s details, including their name and the name, address and phone number of their surgery
• Your previous doctor’s details, if you’ve been with your current doctor for less than six months
• How much you drink and/or smoke
• Your height and weight
• Details of any illnesses or injuries you have now, or have had in the past, including any treatment you’ve had for them
• Details of any family history of disease or ill health
• The address, sort code and account number of your bank

Your medical history

If you have an existing medical condition, your cover will be deferred until you get the results of any outstanding tests, investigations and scans, and a diagnosis has been made.

We’ll also defer (or decline) cover if you’ve had any of the following conditions:

• a stroke – until one year has passed
• a heart attack, bypass or angioplasty – until 6 months have passed
• breast cancer or colon cancer – until two years have passed since your last operation or treatment

Important

If you provide incorrect, incomplete or misleading information in your application, we may not be able to deal with any claim, and your policy could be cancelled or altered. This may also affect the amount we pay if you have to make a claim.

• Your policy is underwritten, which means your premium may be increased and your cover could be deferred or declined at any time
• Suicide within the first 24 months of a policy is not covered
• Terminal illness within the last 18 months of a policy is not covered
• You must pay your monthly premiums on time to maintain your cover
• Your policy has no cash-in value at any time
• The tax benefits of your policy may change at any time

Important Information

Before you start your quote, read our important information about Life Insurance.

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