What does it mean if your life insurance is referred Part 2

What does it mean if your life insurance is referred Part 2

Welcome back to Part 2 of: ‘What does it mean if your life insurance policy is referred’? In this part of the blog, the Cheapest Life Insurance will look at the potential requirements that your insurer may ask you if your life insurance policy has been referred.

Below are the different types of requirements that you may be required to have in order to get a decision for your policy:

  • General Practitioners Report/Subject Access Request 

Some insurers will require a doctor’s report from your surgery, before they will give you a decision for your life insurance. General Practitioners’ reports outline your general state of health along with any medication that you may be receiving, whereas a subject access request is where your insurer will ask for all of your medical notes that your surgery have for you.

As Subject Access Request (SAR) just requires your surgery to copy your notes and send them to your insurer, this process is normally quicker as General Practitioners Reports (GPR’s) can take some time depending on how long your surgery takes to complete the report and send this back.

Neither report can be completed by your surgery without firstly obtaining your permission, which is why your Insurer will ask you to complete a medical consent form. Medical consent forms normally are valid from six months to a year for your insurer to use, but your surgery may also require you to sign their own consent form before they will start the report.

As part of the medical consent form you will be asked whether or not you wish to view the report once it has been completed and once you have viewed this (unless you have not contacted your surgery within the time specified) they will send the report back. If you disagree anything within the report you are within your rights to ask your doctor for changes to be made or not. SAR’s do not state whether or not you can view the notes on them but you should still be able to. If you have any other questions regarding the report we would advise you to contact your doctor.

  • Tests with a medical service provider or your own GP

Another common requirement for is a medical examination or tests. This can be done at your home, work or even at your own GP practice. As part of a standard insurance medical, you can expect to have routine blood and urine tests done, a blood pressure reading, weight and height measurements as well as general questions about your medical history. Once the tests have been completed they will then be sent to the Insurer in order for a decision to be applied to your policy.

  • A Questionnaire (medical or financial)

If the insurer decides that they need more financial or medical information, they may request a questionnaire that needs to be filled out. If the questionnaire is financial, it will normally need to be filled out by yourself, but if you require a medical questionnaire this will normally go straight to your surgery, as they will have up to date medical records for you.

The insurer cannot go to your surgery for a questionnaire without your permission (same as with other medical reports). They will also require you to send them a signed and dated medical consent form before they will be able to request for the questionnaire to be done.

  • Further Information

If you are outstanding any medical tests or investigations, your Insurer will normally wait for these to be completed and then ask you to advise them with the outcome, before they will be able to provide you with a decision.

It is also common for Insurers to ask for more than one of these requirements throughout the referral process, especially if they have received extra information that was unknown to them before. Not to worry though, as the more information your insurers have for you, the more accurate your policy will become.


The turnaround time for how quick you can receive a decision for your life insurance policy will depend on how quickly you can get everything done, as the same with your surgery. Surgery’s turnaround times for medical reports can vary so if you need a decision for your life insurance sooner rather than later, it may be worth speaking to them and requesting this is done quicker.

So now that you know what aspects could be required when your life insurance policy has referred, make sure that you come back for the final part of this blog, where we will discuss what the different outcomes could be for your referred policy and what they mean.

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