Life Insurance & COVID: What’s the Same? What’s Different?

The Covid-19 pandemic effects every aspect of our lives.

Life insurance, critical illness and disability insurance are no exception.

What’s new?


Electronic applications, signatures, and policy delivery were being used before Covid-19.

Now they have become standard.

The response is positive from both agents and clients alike. Zoom and screen sharing  are more convenient than meeting at a coffee shop, office or at client’s home.  


Before Covid-19 medicals were ordered based on “age and amount” basis. (Automatic requirements based on your age and how much coverage you want. These charts have been rewritten because of Covid-19).

Example:  Aged 50 or under? You can now choose from many companies offering up to $1,000,000 of life insurance with no medical. If you are over 50 – the requirements have all been reduced as well.

Companies have allowed alternatives to the nurses medical. They are trying to reduce the risk of spreading Covid-19. 

Companies are relying on the health questions on the application (and in some cases requesting doctors’ reports).

(A medical may still be required but only on a case-by case basis)

What’s the Same?

Pricing: There has not been a rush to increase pricing based on Covid -19. Before issuing the policy there is an extra questionnaire to confirm the client is not at risk.

Availability:  There are no exclusions being built in to plans to exclude Covid-19 as a cause of death. Front-line workers are able to be covered provided they complete a questionnaire.


Less intrusive medical requirements + Stable pricing = there has never been a better time to consider buying/updating life insurance.

Cluett Insurance is an independent broker.

We work with several companies and chose the best solution for you.

Contact me today to find out more details if you are looking for life insurance.

Colin Touchie



covid life insurance