Aegon resumes medical examinations for individual protection

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  • Returns to original routine medical underwriting limits.
  • Can consider more income protection applications.
  • Reinstates immediate cover facility (ICF) for Business Protection and Relevant Life

Aegon has announced that face-to-face medical examinations, nurse screenings and other routine medical tests have resumed.

As a result of access to more routine medical evidence, Aegon is now accepting more income protection applications.

In addition, Aegon has also reinstated its immediate cover facility (ICF) for Business Protection and Relevant Life and has returned to its original routine medical underwriting limits, offering higher levels of cover.

Simon Jacobs, head of underwriting and claims at Aegon UK said:

“We’re now able to offer greater levels of cover to more customers. As lockdown restrictions have eased, we’ve worked closely with our medical partners to allow us to request more routine medical evidence, including general practitioner reports (GPRs), medical examinations, nurse screenings, and saliva and blood tests.

Where it’s not possible to arrange nurse screenings or medical examinations, or where clients are uncomfortable attending face-to-face appointments, Aegon will look at alternative medical evidence such as a GPR.

Jacobs continues: “Due to us having more access to routine medical evidence, we can now also consider more income protection applications.”

Aegon recently improved its income protection offering, including adding 2-year benefit payment periods for personal and executive income protection.

“In addition to this, our immediate cover facility for Business Protection and Relevant Life is available again. This can help customers get full cover immediately in place for up to 60 days, while we request any routine medical evidence.”

Chris Turner, Managing Director/Adviser at Protection UK Ltd comments: “Protection products are a key area for everyone at the moment and it is great to see Aegon become one of the first providers to take such a positive step forward in reinstating face to face medicals, allowing our customers to get the cover they need.”

Ross Wyllie, Protection Adviser at Carmargue Chambers LLP comments: “Aegon’s improved medical limits are a very positive step in this difficult environment. Let’s hope things return to full normality as soon as possible but this is a great step forwards.”

Roy McLoughlin, Associate Director, Cavendish Ware comments: “The crisis has understandably led to major underwriting disruption. Paradoxically many advisers have seen an increased need for protection as customers come to terms with their own mortality and seek out advice. Thus, the news that Aegon are able to help us with this increased flexibility is extremely welcome. The average sum assured will have been driven down due to these restrictions so it is important that advisers can re-visit and cover accurate and more relevant sum assured’s whilst also having confidence in seeking out new opportunities.”


Further information

Stephanie Melrose

PR Manager

Aegon UK

Mob: 07740897621


Notes to Editors

  • In the UK, Aegon offers retirement, workplace savings and protection solutions to over three million customers. Aegon employs around 2000 people in the UK and together with a further 800 people employed by Atos, we serve the needs of our customers. More information:
  • As an international life insurance, pensions and asset management group based in The Hague, Aegon has businesses in over twenty markets in the Americas, Europe and Asia. Aegon companies employ approximately 26,000 people and have millions of customers across the globe. Further information:

Figures correct as of November 2019