What's a declaration of health and why have I been asked to complete one?

For protection policies only

A declaration of health is a short form that you complete to make us aware of any changes in your circumstances since you sent us your application form.

When you apply for protection insurance with us, it’s important that you tell us of any changes to your health and/or circumstances that take place between the date you complete your application form and the date your policy starts. If you don’t, we may not pay a claim, and the whole policy may be cancelled, not just the benefit under which you’re claiming.

We might ask you to complete a declaration of health if it’s been a while since you sent us your application and your policy hasn’t started yet. For example, this could be because you’re waiting for your mortgage to complete or we haven’t received all the necessary medical information we need.