Can you get life insurance with no medical?

Yes, you can get life insurance with no medical. In most cases, a medical exam isn’t required when you apply for life insurance.

Whether you’ll need to undergo a physical exam will depend on your personal circumstances and how much cover you want to take out.

It also depends on the type of policy. At Reassured, we can help you find suitable cover from a range of policies, including:

Family Protection 50

Life insurance

Standard life insurance, such as term life insurance, is often available with no medical exam, but you’ll still need to answer questions about your health and lifestyle before you can secure cover.

Retirement Savings 50

Over 50 life insurance

Over 50 life insurance, or over 50s plan, is the only type of policy that’s designed to offer coverage without needing any medical information during the application process. Acceptance is guaranteed if you’re aged 50 - 85.

Having life insurance in place is essential if you have family who rely on you financially, so it’s important to secure the right policy to meet your needs.

If you’re worried about applying for life insurance due to your medical history or lifestyle, then why not speak to an expert at Reassured?

We can help put your mind at ease by explaining your available options and identifying the insurers from our panel who can offer you the best deal.

Life insurance [no medical] calculator

Use our simple calculator to work out how much life insurance you may need based on which costs you would like it to cover.

If you have death in service benefit or any savings, then this may lower the level of cover you require.

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£137,934 is the estimated mortgage debt per household in the UK.

The purchase of a home is likely to be the largest financial commitment any of us will make in our lifetime. Your life insurance should cover your remaining mortgage balance to allow your loved ones to stay in the family home should anything happen to you.

Source: Moneynerd.co.uk

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The average monthly household budget in the UK is £2,548 (that’s £30,576 per year), which is spent on transport, food & drink, utilities (gas, electricity, water etc), clothing, council tax and leisure activities.

With energy prices hitting a record high and the cost of living rising sharply in the UK, you may wish to factor in utility bills and family living expenses into your cover.

Source: Nimblefins.co.uk

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The average personal debt of UK adults has risen to £34,566 (not including mortgage debt), with credit cards, personal loans and overdrafts being the most common forms of debt.

Factoring in any debts into your life insurance cover means that, if they need to be paid back from your estate after your passing, your loved ones won’t miss out financially.

Source: Money.co.uk

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According to SunLife, the average cost of a funeral in the UK is £3,953 (with the overall cost of dying at £9,200).

Funeral costs have increased by 116% since 2004 and are a significant cost which should be factored into the amount of life insurance you secure.

Source: SunLife.co.uk

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When factoring in cover for your children, you may wish to calculate the amount based on how long it is until they reach financial independence.

This could include childcare (£7,000 per year for part-time care), school expenses (£1,519 per school year for uniforms, lunches, stationary etc), as well as an additional sum for further education (this could be a contribution of up to £5,000 per year).

Sources: Daynurseries.co.uk, Primarytimes.co.uk & Savethestudent.org

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2 in 5 adults say they are relying on an inheritance to fund their retirement.

Factoring in an inheritance to your sum assured could allow loved ones to live a more financially comfortable life. Alternatively, you could leave a cash gift to a charity of your choosing.

Source: Moneyage.co.uk

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If you’re lucky enough to have your own savings or are part of the 30% of UK residents who already have a life insurance policy in place, this can provide financial protection for loved ones.

By entering your current cover, savings or death in service amount you can reduce the sum assured you require.

Source: Scottishbusinessnews.net

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What is no medical life insurance?

No medical life insurance usually refers to a policy that you can take out without providing any medication information (also known as over 50 life insurance).

You may consider over 50s life insurance if you’re aged 50 - 85 and have a pre-existing medical condition or lifestyle factor that could make you high-risk to insure.

No medical life insurance may also refer to a standard life insurance policy that you’re able to take out without having to undergo a medical exam.

Most people can obtain standard life insurance with no medical - particularly those who lead a healthy lifestyle and have no medical problems.

At Reassured, we can help you compare quotes for different types of policies, allowing you to find the most suitable option from our panel of leading insurers.

What medical questions are typically asked?

When applying for standard life insurance, the application will include various medical questions that will need to be answered with complete honesty.

An insurer will ask about your:

  • Health and wellbeing (whether you’re living with any pre-existing medical conditions)
  • Medical history (including prescribed medication, treatment or surgeries you’ve had in the past)
  • Family medical history (to see if there’s any risk of hereditary diseases)
  • Height and weight (to calculate your Body Mass Index)
  • Smoking habits in the past 12 months (such as which types of nicotine products you use and how often you smoke)
  • Alcohol consumption and drug use (for example, whether you’ve had problems with alcohol or drugs which has led to medical help)

This information is often collected based on the past 5 or 10 years. It will be used by insurers to determine if they’re able to offer you a life insurance policy and on what terms.

Other factors that can affect your life insurance application and the cost of your premiums include your age and whether you partake in any dangerous activities at work or for leisure.

When applying for over 50s life insurance, you’ll only be asked about your age and smoking status during the application process.

Why is a medical needed for life insurance?

As mentioned, when applying for standard life insurance, a medical isn’t always needed. However, it does depend on your personal circumstances.

If an insurer requests that you attend a medical check, it’s because they need to learn more about your overall health before they can properly assess your application.

Some reasons why you may be asked to undergo a medical include:

In some instances, an insurer may request to see your medical records as an alternative. These can only be obtained from your GP with your permission.

Once the insurer has a more detailed picture of your health and has identified any potential risk factors, they can provide you with the right cover at the right price.

If you’re thinking about over 50 life insurance, then you don’t need to worry about providing a medical report or undergoing a medical exam when you apply.

Continue reading to learn more about this type of cover…

Over 50 life insurance [no medical questions or exam]

No medical life insurance over 50s plan

Policy key features

  • No medical questions or exam
  • Guaranteed acceptance to UK residents aged 50 - 85
  • Guaranteed pay out up to £20,000*
  • Lifetime cover & fixed premiums
  • Can be used to help towards funeral costs or as a small inheritance
  • Short & simple application process
  • Premiums from just 20p-a-day +

If you’re looking for life insurance with no medical questions or exam, and you’re aged 50 - 85, then you could take out over 50 life insurance.

This type of policy is designed for people in this age group who may find it difficult or too expensive to secure standard life insurance due to their health or lifestyle.

You pay a fixed monthly premium (which is calculated based on your age, smoking status and cover amount) and a pay out is guaranteed when you pass away.

Over 50s life insurance guarantees acceptance, and there’s no chance of a medical exam, but this means insurers charge a higher-than-average premium.

If you’re in good health then it may be in your best interest to apply for standard cover that requires your medical information, as this could result in lower premiums.

At Reassured, we can provide you with our best over 50 life insurance no medical policies from our panel of top UK insurers.

Contact our friendly team for your free, personalised quotes.

Buy life insurance online [no medical exam]

Some types of life insurance are available to buy online with no medical exam if you’re in relatively good health and considered low risk by insurers.

At Reassured, you can choose between the following policies when using our online service:

No medical life insurance tem cover
  • Medical questions will be asked during the application process
  • Provides cover for a set term (2 - 40 years)
  • Fixed pay out up to £1,000,000
  • Can help to cover unpaid debts (such as a mortgage), living costs or funeral costs
  • Fixed monthly premiums from 20p-a-day
No medical life insurance decreasing term
  • Medical questions will be asked during the application process
  • Provides cover for a set term (2 - 40 years)
  • Pay out up to £1,000,000 that reduces over time
  • Can help to cover a repayment mortgage
  • Fixed monthly premiums from 20p-a-day

Term-based life insurance is ideal for families who want to help protect their mortgage and family living costs should the worst happen.

Comparing term life insurance quotes online is a quick and simple process, allowing you to buy a policy to safeguard your loved ones within minutes.

While many people qualify for this option, there’s no guarantee that you’ll be accepted for cover straight away as many factors can affect your application.

We have a dedicated buy life insurance online page if you’d like to find out more, or contact Reassured for personal support and free quotes.

Can you get whole of life insurance with no medical exam?

No medical life insurance whole of life
  • Medical questions will be asked during the application process
  • Guaranteed pay out up to £1,000,000
  • Can help to cover a mortgage, family living costs or to leave as an inheritance
  • Lifetime cover & fixed premiums
  • Fixed monthly premiums from 27p-a-day ±

Applying for whole of life insurance will involve health and lifestyle questions, but a medical exam isn’t always required.

Whole of life insurance is a type of policy that lasts for the rest of your life and guarantees a cash pay out when you pass away.

It’s best suited to applicants who are in good health, as premiums start at a higher price point than other policies.

If you have a pre-existing medical condition or you’re applying for a large amount of cover, you may be asked to provide further medical information.

This could mean answering additional questions, providing a medical report from your GP or attending a physical exam. However, it depends on your personal circumstances and how much cover you’re applying for.

At Reassured, we can’t guarantee that you won’t be asked to undergo a medical when applying for whole of life insurance, particularly if you have a medical condition.

However, we can compare quotes for whole of life insurance and other types of policies to see if we can help you find a suitable policy at the right price.

What are the pros and cons of no medical life insurance?

No medical life insurance won’t be suitable (or available) to everyone, but it can be a great option for many people.

Weighing up the pros and cons can help you determine if it’s the right option for you.

Below we have looked at the pros and cons of taking out an over 50s life insurance policy with no medical questions or exam:

PROsCONs
Acceptance is guaranteed if you’re aged 50 - 85, regardless of your healthOnly available to applicants aged 50 - 85
Quick and easy application process as there are no medical questionsIn some cases, premiums may be higher than what you can secure with a standard policy based on your circumstances
Avoid the hassle of attending a medical exam and undergoing testsMaximum cover limit is usually between £10,000 and £20,000 (depending on the insurer) which is much lower than standard policies
Provides immediate accidental death coverIncludes a 12 or 24 month waiting period from the start of the policy, during which you are not covered for natural causes of death
Affordable premiums that remain fixedYou need to pay premiums for the rest of your life, or until you reach a certain age (such as 90) depending on the insurer
Pay out is guaranteed when you pass away (after the initial waiting period)Depending on how long you live, you could pay more into the policy than what is paid out eventually
Fast claims process and a pay out is usually issued within a couple of days


If you’re not yet eligible for over 50s life insurance or the cover limit isn’t sufficient, then you may opt for standard life insurance.

It’s still possible to secure standard life insurance with no medical exam even if you have a pre-existing condition or lifestyle factor that increases your risk.

In some instances it may be cheaper for you to secure term or whole of life insurance compared to over 50s life insurance with a higher cover limit.

If you need help choosing the right policy and comparing quotes to find an affordable price, then contact Reassured. We’ll provide all the information you need to make a fully informed decision.

How much is life insurance with no medical?

Life insurance with no medical starts from just 20p-a-day through Reassured.

However, the exact price you pay will depend on your personal circumstances and the policy you choose.

Over 50 life insurance no medical

For over 50s life insurance, the cost of your monthly premium is determined by the following factors:

  • Your age
  • Smoking status
  • Cover amount (sum assured)

Below you’ll find example premium prices for a non-smoker taking out over 50s life insurance, along with the amount of cover you may be able to secure based on your age:

AgeMonthly premiumSum assured
55£66.05£18,000
60£70£17,898
65£75£15,733
70£75£11,229
75£75£7,669
80£75£4,634

Term and whole of life insurance

For standard life insurance policies, the cost of your monthly premium is determined by the following factors:

  • Your age
  • Health
  • Lifestyle
  • Medical history
  • BMI
  • Smoking status
  • Occupation
  • Policy term length
  • Cover amount (sum assured)

In the table below you’ll find example premium prices for level and decreasing term life insurance policies. Quotes are based on a non-smoker in good health.

Policy term: 20 years

Sum assured: £100,000

AgeLevel term life insuranceDecreasing term life insurance
20£3.53£3.50
25£4.27£3.91
30£5.30£4.54
35£7.61£5.34
40£10.54£6.74
45£15.74£10.03
50£24.84£15.26
55£27.85£18.37
60£51.06£30.88


The cost of no medical life insurance varies between insurers, which is why it’s important to compare multiple quotes.

Get your free, personalised quotes through Reassured to see if we can help you save money.

How much life insurance can I get without a medical exam?

How much life insurance you can get without attending a medical exam will depend on the type of cover you apply for and the individual insurer.

If you need to take out a large amount of cover, then some insurers may insist you undergo a medical exam before accepting your application.

A large pay out significantly increases their risk, therefore, measures are taken to mitigate this risk by charging an appropriate premium.

If you’re already considered high-risk then you may be asked to undergo a medical exam, regardless of how much life insurance you want to take out.

Life insurance that guarantees acceptance, such as over 50s policies, tends to have a much lower cover amount compared to other policies.

No medical life insurance FREE quotes

Using the services of a fee-free life insurance broker, such as Reassured, can help you to find the right life insurance to suit your circumstances and budget.

We can compare quotes for life insurance that may or may not require a medical exam, helping you to secure an affordable deal.

Our dedicated team can also guide you through the application process and answer any questions you may have along the way.

Even if you have suffered a medical issue in the past and you’re not yet eligible for over 50s life insurance, our service could still help.

We have a dedicated impaired risk team that has an excellent record of finding affordable cover for high-risk applicants.

Get in touch for your free, no-obligation life insurance with no medical quotes.

Life insurance medical exam [FAQs]

Is medical information required for term insurance?

Yes, you’ll need to provide medical information when applying for term-based cover (decreasing term or level term).

These types of policies are medically underwritten so that insurers can assess the likelihood of a claim and the level of risk involved with offering cover.

However, it's not always necessary to undergo a physical medical exam.

In most cases, providing information about your health via a medical questionnaire is sufficient for insurers to determine the level of risk.

What is a life insurance medical?

A life insurance medical is type of health assessment that can help to check your overall health and identify your risk of getting certain medical conditions, such as:

You’ll be asked some questions about your lifestyle and family medical history, and undergo a number of simple tests and measurements, including:

  • Blood tests
  • Blood pressure test
  • Smoker test
  • Urine test
  • Height and weight measurements to calculate your Body Mass Index (BMI)
  • Waist measurement

If you’re requested to attend a medical then it’ll be arranged at a time and date to suit you, at your local GP surgery or pharmacy.

It’s typically carried out by an NHS nurse or healthcare professional and takes around 20 - 30 minutes.

How much is a life insurance medical exam?

If a life insurance provider requests that you to undergo a medical, they'll cover the cost of the exam.

Between the application and medical exam results, most insurers will provide you with accidental life cover.

This means that if you were to pass away during this period as a result of an accident, your loved ones will receive a pay out.

What happens if I lie about my health to avoid a medical exam?

If you lie about your health to avoid a medical exam, this is known as non-disclosure and is a type of insurance fraud.

Not being fully truthful on your application from can cause your policy to be invalid, meaning any future claims will be declined.

Your insurer has the right to obtain your medical records after you pass away if there’s any suspicion of non-disclosure.

It's essential that you provide the correct information when applying for life insurance to ensure that your family are protected and your premiums don’t go to waste.

Can insurers access your medical records?

If an insurer requires access to your medical records whilst assessing your application, then they must obtain your permission first.

You’ll be given the option to see the records yourself via your GP before these are sent to the insurer.

Medical records will include your medical history over the past five years, sometimes longer depending on your circumstances.

Typically, the information provided by your GP is specific to your life insurance application.

Once your policy is in place, insurers can access your medical records upon your death or under suspicion of fraud.

This is as a result of the terms and conditions you'll have signed with your policy.

This will allow them to ensure all aspects of your application were truthful and if applicable, a claim is valid.

How do you pass a life insurance medical exam?

It's often believed there are a number of steps you can take to ensure you pass a medical exam.

However, in reality, the aspects measured are unlikely to be altered in the short period of time between the exam request and appointment.

Before attending your medical exam, you'll be advised on any action you should take prior, such as not eating for a defined period.

Can you retake a life insurance exam?

Yes, it's possible to retake a life insurance medical exam, however, usually a 6 month waiting period is enforced.

During this period your application may be deferred, or you may be required to make a new application once the time has passed.

If your original medical exam allowed you to be accepted for life cover, but at inflated premiums, you may be able to retake it in an attempt to reduce the cost.

This must be approved by the underwriters and agreed that they're willing to review your premiums when a period of time has elapsed.

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