No. We calculate your premiums before you answer our health and lifestyle questions, so they will not decrease after completing the Health and Lifestyle section.

However, those calculations are based on “standard lives”. If your health and lifestyle answers put you outside the standard lives category, we may apply exclusions or loadings to your premium, or we may decide that we are unable to offer you cover under the policy you applied for. Your premium is also based on age, gender and smoking status.