The form will ask a range of Yes/No questions about your health. If you answer "Yes" to a question, then there will usually be short follow up questions asking for more information.
To complete your application quickly and accurately, it can help to have the following information handy:
If you are unable to complete any part of the application don't worry - you can save it and return later. Or you can submit your application with a question unanswered - LifeDirect will contact you to discuss the question and help you answer it.
Most people take 10-20 minutes (a joint application can take longer). Mostly it depends on your health - if you've experienced certain health issues you'll have additional questions to complete.
Once you've submitted your application we will keep you fully up-to-date on its progress. You'll receive email updates every step of the way - from the time we receive your signed documents to when your application has been accepted. And if your insurer requests further information we'll let you know immediately as well.
Usually your insurer won't require medical or blood tests. However these can be needed in two situations. First, if you have experienced certain health issues, or have a height/weight ratio outside of the insurers "usual" guidelines, they might ask that you take a blood test or have a quick medical check. This is totally free to you. Note that if you already have outstanding tests, recommended by a doctor, the insurer won't pay for these.
Second, for life insurance, if the amount of cover that you have applied for is higher than the limits outlined below, your insurer might require a blood test or medical check. Again, the insurer will pay for any test.
|16-35||$2 Mil||$2 Mil||$1 Mil||$2 Mil||$2 Mil||$2.75 Mil||$2 Mil|
|36-40||$2 Mil||$2 Mil||$1 Mil||$2 Mil||$2 Mil||$2.75 Mil||$2 Mil|
|41-45||$2 Mil||$2 Mil||$1 Mil||$2 Mil||$2 Mil||$2.75 Mil||$2 Mil|
|46-50||$1 Mil||$1 Mil||$750k||$1 Mil||$1 Mil||$1.5 Mil||$750k|
All of your personal details are confidential and are only shared with the insurer that you have chosen. Our online application is secured by 256 bit TLS encryption to ensure the safety of your personal information, and payment details are encrypted. For more please visit the privacy & security page.
When you start a policy through LifeDirect, we receive a payment from the insurer you choose. That's why we can offer LifeDirect as a free service to you. The payment we receive does not affect the cost of your insurance - the policies we offer are the insurers standard, minimum pricing. Click to view LifeDirect's commission rates.