Check with your insurer before you have the vaccine. It’s reported that some or all life insurance won’t pay out for COVID vaccine related deaths, as the ‘vaccine’ is experimental. If this is too big a risk for your insurers, should you be taking it? Even having had a COVID test could mean you are no longer eligible for insurance. You need to do some careful research, contact your insurers, before getting vaccinated or tested.
You could read between the lines of the following from ABI –
Can I still buy life insurance?
Many insurers are still accepting life insurance applications and some have now included a coronavirus related question (see below for expected questions). Some insurers are delaying applications if you are currently testing positive for coronavirus and need to provide medical evidence, but this does not mean you cannot apply again in the future.
https://www.bma.org.uk/advice-and-support/covid-19/your-health/covid-19-your-life-insurance