Hi there. I applied for income protection policy via my broker. AVIVA had the cheapest policy. I'm in my early 30s, no medical conditions, never been to a doctor, normal BMI, non-smoker. I got a text from AVIVIA saying a nurse would ring to arrange a health check. My fiancee applied also and with almost exactly the same questionnaire filled out except she is female. She has had her policy enacted without a health check. Does anyone know what this entails? I'm terrified of needles and to be honest if it involves bloods I wouldn't be too keen on going through with it. Bit annoyed as I can't even remember being sick as a child. We were both classed as 'Class 1' in terms of occupation if that helps.