Apart from the obvious risks associated with warfare, military service is associated with a higher risk of disability and death due to numerous risk factors. An PDF file: Armed Forces Questionnaire (Q3686) PDF size: 64KB is required for all service personnel including Army, Royal Navy, and Royal Marines, Royal Air Force and Army Reserves (Formally Territorial Army). The FAQ is integrated into the Interactive Underwriting application and therefore an additional questionnaire is not required if the application is submitted via this route.
Life cover, in all its various forms, is available to the armed forces.
Certain occupations may attract premium loadings; eg those who work with bomb disposal, diving, aviation.
Policies do not usually exclude war risks.
Many insurers will not accept proposals from forces personnel at the time of being under orders to go to areas of high risk, although it depends on the precise circumstances.
We will consider mortgage cover for services personnel who are due to go or are on a tour of duty to an active theatre of operations within 6 months. An extra premium is charged for two years.
Critical illness cover (CIC)
We will offer Critical Illness to all personnel if they are not due to go (or are not) on a tour of duty to an active theatre of operations within 6 months with a tour of duty exclusion.
We will consider mortgage cover for services personnel who are due to go (or are) on a tour of duty to an active theatre of operations within 6 months with the application of a tour of duty exclusion.
Certain occupations may attract specific exclusions; eg those who work in diving and aviation.
Income protection benefit (IPB)
This policy is not available to Armed Forces personnel.
Ministry of Defence Schemes
The Ministry of Defence (MoD) has an armed forces and a war pensions scheme that pays out on death or disability. The amount varies depending on the length of service, rank, level of disability etc.
The MoD also has a scheme for refunding additional life insurance premiums charged because of the forces occupation. The details are not straightforward and have various exceptions, but in general terms the MoD will refund 90% of any additional premiums for sum assured up to £179,000.
For further details, please refer your customer to their HR department to see if they are eligible and to obtain the necessary form JPA F010.