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Ray Said:

how do i choose life & critical illness insurance in UK?

We Answered:

I worked in the life insurance industry for a while and I can tell you that *most* policies will have some kind of clause. However, they have to list these clearly and as long as you tell the whole truth when you get asked the medical questionnaire you have nothing to worry about. The questions they ask cover just about everything including hazardous pursuits (such as sky diving) and if they are still not sure they will request your medical records.

As for Aids and terrorism, I believe that no policies will cover these. (Except if were to get aids and it was not your fault ie blood transfusions, rape) but again these exclusions will be listed in the terms and conditions.

If you're still not sure get help from a Independent Financial Advisor, most likely they will charge a fee but at least you will know what you're getting into