How do life insurance quotes work? I was given a basic quote and there were a couple of health questions I said I needed to ask my GP about as I wasn’t sure if they fell within the 2 year perion. He set the policy up anyway and took my bank details. Since then, I’ve remembered something else that I need to ask my GP. Shouldn’t the policy only be set up once I’ve given all health history and if I’m happy with the new quote (I think the extra health info will affect the premium).?