Aegon UK removes most Covid-19 restrictions for life and critical illness protection


Aegon UK has removed most of its underwriting restrictions for life and critical illness protection introduced last year due to the Covid-19 pandemic – helping to protect more people financially.

The protection provider has now returned to its pre-pandemic maximum ratings for life cover taken out to age 65, and has increased the maximum ratings it will offer for life cover taken out to age 79.

Given the success of the UK Covid vaccination programme, Aegon also confirms that it will now consider more applications from higher risk customers, such as those with diabetes, higher BMI and respiratory conditions.

For a small number of clinically vulnerable customers, for example people who are on immunosuppressants or high-dose corticosteroids, Aegon is still taking a cautious approach, but can now consider them.

Aegon has also returned to its pre-pandemic underwriting levels for critical illness (CI) applications, removing all temporary coronavirus-related medical rating restrictions.

This easing came into effect on 24 June 2021 and applies to all new applications, any on-going applications, and any applications where terms have expired or that require a further underwriting assessment.

Aegon is making these changes with the confidence that they’ll be permanent.

For advisers who would like any help and support during the application process, Aegon’s pre-submission underwriting helpline lets them speak directly to its expert team of underwriters.

Helen Morris, Head of Underwriting & Claims Protection at Aegon comments:

“We’ve been actively monitoring and reviewing the impact of the pandemic as we’ve been keen to make sure that any changes returning us to our pre-pandemic underwriting approach would be permanent. The easing of lockdown restrictions, the acceleration in the UK vaccination programme and the fall in Covid-related mortality rates have been encouraging and given us confidence to remove the majority of our underwriting restrictions for life and critical illness cover.

“These changes will help more people get the financial protection they need, including those higher-risk individuals who might have been restricted in the last year.

“We’re continuing to closely monitor the situation, as we’re committed to returning to our full pre-pandemic underwriting approach as soon as possible.”


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:
  • Aegon’s roots go back more than 175 years – to the first half of the nineteenth century. Since then, Aegon has grown into an international company, with businesses in the Americas, Europe and Asia. Today, Aegon is one of the world’s leading financial services organisations, providing life insurance, pensions and asset management. Aegon’s purpose is to help people achieve a lifetime of financial security. More information on
  • Figures correct as of January 2021.