Why Has My Life Insurance Premium Increased After Medical Underwriting?

When you apply for life insurance, you will usually be given an estimated premium based on the information you provide. It isn’t always obvious that this is just an indication of what the cover may cost.
If the insurer asks medical questions about you or your family, your travel, work and hobbies, the final premium can sometimes be higher than the original quote. Most insurers will ask you about these things if you are applying for a typical life insurance policy in the UK.
This can sometimes make people feel worried, or potentially even angry at the insurers, particularly if you were expecting the cover to be available at the price you were originally shown.
Let’s go through why life insurance prices can change.