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Covid vaccine and Life Insurance

One of the main reasons people hold life insurance is to provide peace of mind for themselves and their families. Unfortunately, there has been scaremongering on social media incorrectly stating the Coronavirus vaccine is an experimental medical treatment and therefore having the vaccine is a self inflicted injury which could void a life insurance policy.

The Financial Services Council (FSC) represents the majority of life insurance companies and has come out and said this is incorrect. We have also had questions from several new clients recently who are worried that if they take the vaccine and something happens that they’re life insurance policy won’t cover them. This is not true.

An underwriter may apply an exclusion to a policy at the application stage but this is normally due to pre-existing medical issues and is always communicated to the client before the policy starts as well as having to be signed off by the client.

Hopefully this article clears up any misconceptions about the vaccine rollout and how life insurers view it.

If you currently have a policy in place that you would like reviewed or you are new to insurance and would like to speak to someone about taking out cover please don’t hesitate to contact us.


The information provided here is general only and does not consider your personal objectives, financial situation or needs. Before you decide to purchase a product, it is important to read the relevant PDS.

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