Life insurance no medical exam

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.

Yes, you can get no medical life insurance for seniors. This could be an over 50s plan, or a whole of life insurance policy (if you’re eligible).

Over 50s life insurance is specifically designed for seniors who want to avoid medical questions or an exam when applying for cover. Acceptance is guaranteed if you’re a UK resident aged 50 - 85. However, the maximum cover amount is £20,000 depending on your age, smoking status and budget.

If you don’t mind answering a few medical questions and you’re a senior in good health, then whole of life insurance with no medical exam could be available.

A whole of life policy could provide a larger pay out than an over 50s plan but this is reflected in the premiums. Obtaining quotes for both can help you decide if either of these policies are suitable.

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:

• Heart disease
• Kidney disease
• High blood pressure
• Diabetes
• High cholesterol

During the medical, you’ll be asked some questions about your lifestyle and family medical history, as well as 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.

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

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

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 will be specific to your life insurance application.

Once your policy is in place, insurers can access your medical records upon your death if they suspect any non-disclosure.

The details will be outlined in the terms and conditions of your policy.