Free cover is still available on all our plans and could apply if a plan has not started with Underwrite Later. However, Free Cover comes with some standard exclusions, including any pre-existing conditions your client may have. Underwrite Later has no standard exclusions, so the cover is comprehensive. Free Cover also has some further restrictions. The cover is limited to an amount of £1m and can only last for a maximum of 90 days. There is also a maximum age of 60. Underwrite Later has a maximum cover amount of £3.5 million, can stay on risk for up to six months whilst we underwrite and has no age restrictions.