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Methodology - Life Insurance Product Feature

Updated: 06 Mar 2024

What is this document?

This is a breakdown of how we answered the question set and arrived at the product we chose to showcase on the Life Insurance landing page.

The methodology

Question

Answer

What's your title?

Mr

What's your first name?

*

What's your last name?

*

Are you:

male

What's your marital status?

Married

What's your date of birth?

01/01/1991

What's your postcode?

CR5***

Are you a smoker?

No

Second applicant

No

How much cover do you need?

£350,000

How long do you need your policy to last?

20

What type of cover do you need?

Decreasing term

How tall are you?

5ft10

How much do you weigh?

71kg

What is your job?

Marketing manager

Which of the following describe you?

I've never smoked

Have your birth parents, brothers, or sisters had any of these before they were 65?

No

How many pints of beer, lager or cider do you drink per week?

2

How many glasses of wine do you drink per week?

0

How many measures of spirits do you drink per week?

0

How many other alcoholic drinks do you drink per week?

0

Have any of these applied to you? I've been advised by a medical professional to cut down or stop drinking, attended or been referred for alcohol or drug specialists, I've used recreational drugs in the last 10 years

No

Are you involved in any of these? Armed forces, martial arts, motor car sport, mountaineering, private flying, sailing, scuba diving

No

Have any of these applied to you? I've been banned from driving or convicted of dangerous or carless driving in the past 5 years, I ride a motorbike, scooter or moped in the road,

No

Have you lived or worked outside of the UK or European Union in the last 2 years, or do you have any plans to do so in the next year?

No

Do you have existing Life insurance or are you applying for any other Life insurance?

No

Do you have existing Critical Illness insurance or are you applying for any other Critical Illness insurance?

No

In the last 5 years have you had any of these? Depression, anxiety, stress, any other mental issues

None of these

Have you ever had any of these? Eating disorder, bipolar disorder or manic depression, schizophrenia, psychosis, personality disorder

None of these

Have you ever: Tried to take your own life, had thoughts about taking your own life.

None of these

Have you ever: intentionally harmed yourself, had thoughts about harming yourself

Neither of these

Have you ever had any of these? Multiple sclerosis, epilepsy, Parkinson's or any other disorder of the brain or nervous system, A positive test for HIV, Hepatitis B or C, A test for HIV or hepatitis B or C that I’m currently waiting for the results of

No

In the last 5 years have you had any of these? Raised blood pressure, cholesterol or chest pain, Diabetes, borderline diabetes, pre-diabetes, raised blood sugar or sugar in the urine, Anaemia, blood clot or anything else affecting your blood, A growth, lump or cyst

No

In the last 5 years have you had any of these? Asthma, sleep apnoea or anything else affecting your lungs or breathing, Crohn's, colitis, IBS, or anything else affecting your stomach, bowel or digestive system, Kidney stones, urinary infection or anything else affecting your kidneys, prostate, bladder or urine, Anything affecting your liver or pancreas

No

In the last 5 years have you had any of these? Back pain, sciatica, whiplash or anything else affecting your back or neck, Arthritis, gout or anything else affecting your bones, joints, ligaments, tendons or muscles, Numbness, pins and needles, muscle weakness, tremor or difficulty with co-ordination

No

In the last 5 years have you had any of these? Tinnitus, labyrinthitis, or anything else affecting your ears, hearing or balance, Impaired, blurred or double vision, optic neuritis or anything else affecting your eyes, Chronic fatigue syndrome, ME, fibromyalgia or persistent tiredness.

No

Have any of these applied to you in the last 3 years? You don't need to include things you've already told us about: I've taken or been prescribed treatment for 4 weeks or more, I've been asked to attend a follow-up or regular reviews with a GP, hospital or clinic, I've been advised to see a specialist or to have any tests, scans, investigations or counselling

No

Have you had any of these in the last 3 months, even if you haven't seen a doctor? Any lump, growth or hardening affecting either testicle, Bleeding from the bowel or a change in bowel habit, A cough lasting more than 3 weeks, A fit or seizure, A mole or skin blemish which has changed in appearance

No

Does your job involve any of the following duties or working environments?

None of these