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Does the COVID-19 Vaccine Invalidate Life Insurance?

Over the last 18 months, we have been inundated with data, statistics and news reports regarding the Covid-19 pandemic. Alongside this, there has also been an abundance of incorrect claims, rumours and scaremongering, especially across social media.

Most recently in the life insurance market, a false rumour has been circulating stating that the Covid-19 vaccine will invalidate your life insurance policy. This began after a forged document was produced and posted across the internet.

The bogus document appears to be an official piece of information from insurance company Allianz and states that the Covid-19 vaccine is invalidating life insurance policies. It is presented as a disclosure statement and policy document for life insurance.

The ABI (Association of British Insurers) and a host of insurance companies have of course dismissed these claims as conspiracy theories.

At The Insurance Surgery, we want to reassure our customers that the vaccine has no impact on your insurance policy. If there are any exemptions in an insurance policy, we will always highlight this to you. We will always ensure that you know exactly what you are paying for.

The forged document appears to have first circulated in Australia. Since then, it has spread to the UK and has been sent to policyholders via email and across social platforms.

Upon seeing this, rumours have been going around regarding what happens with your policy. Some people are under the impression that policyholders will not be able to claim on their life insurance if they die within a year of receiving the vaccine.

If you have been sent anything that looks suspicious, it is highly likely that it has come from a scammer. However if you do have any concerns, it is always worth checking with us or your insurance company directly.

The document has also been shared across social media by vaccine sceptics.

Within the document, it lists scenarios under which claims would be rejected. It reads “We will not pay critical illness or permanently unable to work benefit where the condition is intentionally self-inflicted.”

“If you consent to taking a Covid-19 vaccine your consent is ‘self-inflicted’. It was your choice to have the experimental medical procedure and therefore insurance will not cover any damage or death.

“All injuries for insurance must not be accidental and a treatment by consent is not an accident.”

Allianz has dismissed the bogus document. Their statement reads:

“Allianz is aware of incorrect information being distributed in relation to Covid-19 vaccinations and life insurance.”

Their FAQ page states: “Your Allianz life insurance policy does not contain a specific policy exclusion for COVID-19 or for taking the COVID-19 vaccine.”

What the ABI have said

The ABI have spoken out about how the Covid-19 vaccine will not affect any life insurance cover.

Their statement reads: “There are some claims being made that having the Covid-19 vaccine will impact your life insurance cover. This is false. Receiving a vaccination against Covid-19 will not impact your insurance cover, be it life insurance, private medical insurance or other forms of insurance.”

Individual insurance companies have also debunked any claims that the jab would invalidate any policies or claims.

These include Zurich, who have put a statement on their FAQ page:

“We have seen suggestions being made that having the Covid-19 vaccine will impact your ability to claim on your life insurance cover. This is definitely not the case. Our policies continue to offer the same ongoing support and peace of mind, and all claims will be assessed in the usual way.”

Your Life Insurance Policy after the Vaccine

To clarify, life insurers do not need to ask new or existing customers whether they have received the Covid-19 vaccination.

Having the Covid-19 vaccine will not affect your application or premiums for a new insurance policy. It will also not affect any payouts from any existing policy you hold.

It is also worth noting that having the Covid-19 virus will not invalidate your life insurance. You will also never be rejected for life insurance cover purely because you have had Covid-19.

Some insurers have delayed life insurance applications for those who are currently testing positive for the virus. They will ask you to submit medical evidence to support this. It is typical that the delay is around 30 days and largely applies to those with underlying medical conditions.

Those applicants are assessed again under normal procedures when they’ve recovered and tested negative.

Finally, life insurance policies do not include exclusions for deaths caused by pandemics or viruses. Any claim on a life insurance policy as a result of Covid-19 will be handled in the same way as any other life insurance claim. It will be paid out subject to the usual policy terms and conditions.

The trade body says UK insurers paid out £202 million to the families of those who died of coronavirus last year.

Getting Life Insurance After the Pandemic

If you have concerns about coronavirus and your life insurance policy, our team of expert agents are here to help. You can call us anytime on 0800 083 2829.

We are experts in finding life insurance for people who may be rejected elsewhere. 70% of customers who have been declined elsewhere do get accepted through us. We know the best insurance companies to approach if you have a pre-existing medical condition.

Everyone has their own personal circumstances. We understand this and will listen to all your needs. We will always ensure that you have a policy that will give you peace of mind for you and your family. You can fill out a quote on our website today to start your application.