According to internal data from Reassured, the average cost…
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:
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.
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.
In this guide, we cover:
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).
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.
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:
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.
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…
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.
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:
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.
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.
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:
|Acceptance is guaranteed if you’re aged 50 - 85, regardless of your health||Only available to applicants aged 50 - 85|
|Quick and easy application process as there are no medical questions||In 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 tests||Maximum 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 cover||Includes 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 fixed||You 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.
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:
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:
|Age||Monthly premium||Sum assured|
Term and whole of life insurance
For standard life insurance policies, the cost of your monthly premium is determined by the following factors:
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
|Age||Level term life insurance||Decreasing term life insurance|
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 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.
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.
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:
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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