When you decide on critical illness assurance and have made your decision on the amount of cover to fit your needs and the term you wish to take the cover over you will have to go through an application process. The application process for your critical assurance is reasonably straightforward. It can be done online in a lot of circumstances and this will guide you through the questions step by step. You must ensure that when you are asked the questions for the critical illness assurance policy that you do so to the best of your ability and make sure they are correct to the best of your knowledge and belief.

If you do not answer them fully and if there are discrepancies this could affect a claim on the policy if you were to make one on it. The questions that you will find being asked on the critical assurance application will mainly focus on your medical history. If your have suffered from medical conditions then you will have to give some details regarding this. The application for the critical illness assurance policy will also ask about your family history. If members of your immediate family i.e. brothers or sisters, mum or dad have suffered from hereditary conditions prior to them being 60 then this could affect the final premium you will pay for your critical illness assurance. Other factors that could affect what you end up paying for the insurance is your smoking status, if you have smoked in the last 12 months prior to taking out the plan then you will pay smokers rates.

These will be substantially higher than those who do not smoke. You will also find your premiums increasing if you have a high BMI. Your BMI is assessed by the insurance company, and if they feel you are a higher risk to them as your score is higher than average then you may find your premium is increased.