Why has my application been postponed?
Underwriting
The short answer
An insurer may postpone an application if you are waiting for test results, undergoing treatment or have recently had a health event, so it can assess the outcome before offering terms. It is not a refusal. The insurer should tell you when you can reapply and what information they will need.
Keep existing cover
Do not cancel any current policy while a new application is postponed.
Other insurers
Another insurer may be able to offer terms sooner.
Reapplying
Have up-to-date details of your treatment and results ready.
Sources
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026