Can you get life insurance with no medical?

Yes. It's possible to obtain affordable life insurance with no medical questions asked.

In many instances, arranging life insurance won't require you to undergo a physical exam.

But it's also possible to arrange cover without providing any medical information whatsoever.

By using an FCA regulated broker, such as Reassured, you can gather all of the required information to determine if no medical life insurance is the right option for you.

Get in touch to take advantage of our fee-free, award-winning broker service.

Read on to discover more about the available life insurance no medical options…

What is no medical life insurance?

When arranging life insurance, insurers usually require you to provide information regarding your medical wellbeing, either via a questionnaire or exam.

This helps determine the likelihood of a claim being made so that they can accurately price your monthly premiums.

However, for those suffering from a pre-existing medical condition or wanting to bypass supplying medical information, there's the option for obtaining life insurance with no medical.

This can be in the form of either no medical questions or no medical exam.

How much life insurance do you need?

Enter your financial commitments below to understand the level of no medical life insurance cover you require.


£121,687 is the estimated average outstanding mortgage per household in the UK.

Our property is generally the largest financial commitment any of us will make.

Your life insurance should cover this significant debt should you no longer be around.


According to Money Advice Service, full-time childcare in the UK now costs £242 a week.

The loss of a parent could result in the need for additional childcare whilst the surviving parent increases their hours to account for lost income.

Your life insurance cover should factor in this additional required outgoing.


The average level of debt (minus a mortgage) in the UK is £15,385.

Factoring in any outstanding debts in your name when arranging life insurance ensures this burden is not passed to loved ones.


You may wish to leave your loved ones an inheritance or lump sum gift upon your passing.

Factoring in the gift amount when arranging your cover will ensure the pay out amount will be sufficient to provide your loved ones with this selfless gesture.


According to SunLife, the average cost of a UK funeral is now £4,417, whilst the total cost of dying is £9,493.

This is a 130% increase over the past 16 years and shows no signs of slowing down.

A significant cost which should be factored into the amount of life insurance you secure.


If you are one of the 65% of the UK who are lucky enough to have savings, this could be used as protection if you were to pass away.

Any pay outs from existing life insurance policies and investments can also be used as financial protection for your loved ones if you were no longer around.

Factor this into your required cover amount.

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Your total cover estimate

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Best no medical life insurance

The best no medical life insurance will depend on your individual circumstances; if in fact no medical is the right decision at all.

Insurers calculate the cost of premiums based on the likelihood of a claim.

When no medical information is provided, the risk to the insurer is unknown and they mitigate this risk by inflating the cost of premiums.

Therefore, it may be in your best interests to provide medical information, particularly if in good health, as the level of risk you pose may be less than the inflated cost of unknown risk.

At Reassured, we can provide you with all of the information you need to make an informed decision.

Get in touch to determine if providing medical information could save you money.

Life insurance with no medical questions

It's possible to obtain life insurance with no medical questions.

Some forms of life assurance offer guaranteed acceptance, such as over 50 life insurance plans.

This means that they'll not take into account any information regarding your health to determine whether or not they'll provide cover.

As a result, you're not required to answer any medical questions, provide access to medical records or partake in a medical exam.

Life insurance with no medical exam

It’s very common for people to secure life insurance without the need to undergo a medical exam.

Whilst it's possible an insurer can request you have a medical exam if high-risk factors are identified, often the information gathered during the medical questionnaire will suffice.

In the instance of a high-risk factor being identified, an insurer may request access to your medical records to obtain further information.

If the information acquired from your records is sufficient, the need for a physical medical exam may also be mitigated.

In summary, if you're fit and healthy, with no history of medical problems, it's unlikely you'll require a medical exam.

Alternatively, you can be certain to bypass a medical with guaranteed life insurance.

No medical life insurance for over 50

Many applicants aged 50 - 85 years choose over 50 life insurance, (sometimes referred to as over 50 plans).

A major advantage of over 50 life insurance is that they don't require a medical exam or ask any health questions.

Therefore, if you're older and/or in poor health, a guaranteed over 50 plan can be a great option.

A key feature of over 50 life insurance worth highlighting is the waiting period.

This defines a period of time at the start of a policy, usually 2 years, in which a claim can't be made if you pass away of natural causes.

(Although beneficiaries can receive back the premiums which you have been paid during this period).

If you're in your senior years and in good health, whole of life insurance may be a better option, potentially allowing you to secure more cover for a similar premium. However, these policies usually require medical information to be provided.

Contact Reassured today to discuss the best life insurance to suit your unique needs.

You may be interested in reading our in-depth articles on over 60 life insurance and over 70 life insurance policy options »

Whole of life insurance with no medical exam

Although rare, some providers offer guaranteed acceptance on whole of life insurance without the need to provide any medical information[1].

These policies offer guaranteed acceptance for UK residents aged 18-70.

When arranging this type of cover, it's important to consider your likely life expectancy.

If you're younger and in good health, it's possible to pay more into the policy than the overall sum assured.

In this instance, you're more likely to benefit from providing some medical information to benefit from lower premiums.

Arranging a whole of life insurance policy as standard also doesn’t necessarily mean you'll be required to undergo a medical exam.

Most insurers require you to provide information regarding your wellbeing via a questionnaire, but won't necessarily require an exam unless any high-risk factors are identified.

If interested in arranging whole of life insurance that requires medical information, contact our team for your free quotes.

Is medical information required for term insurance?

Yes. It's not possible to obtain term-based cover (decreasing term or level term) without providing any information on your medical wellbeing.

This is because insurers use this information to determine the likelihood of a claim.

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

In most instances, providing information regarding your wellbeing via medical questions on application is sufficient for insurers to determine the level of risk.

No medical exam term life insurance

No medical exam term life insurance is most likely to occur if during your medical questionnaire no high-risk factors are identified.

For example:

  • Have no family history of serious illness
  • Don't have a drug addiction
  • Have no pre-existing medical conditions

Even if you do fall under any of the above, you may still not be required to undergo an exam if the information you've provided is detailed enough for the insurer to assess your level of risk.

It may also be possible for the insurer to obtain any further information required by accessing your medical records (with your permission) to avoid you having to undergo an exam.

Mortgage life insurance no medical questions

Whilst it isn’t a legal requirement to have life insurance to secure a mortgage, it's likely to be in your best interest if you have a partner or dependants.

Without cover, your passing could mean the full mortgage debt falls to them.

The inability to meet mortgage payments could result in your loved ones having to move from their family home.

A life insurance pay out could be used to pay off the remaining mortgage, alleviating financial strain at a difficult time.

As with other cover, mortgage life insurance won't necessarily result in a medical exam, but will require you to provide medical information.

If this is likely to result in you being declined or experiencing inflated premiums, you may benefit from life insurance with no medical questions, such as an over 50s plan.

This won't require you to provide any medical information but does require you to meet an age criteria.

Contact our team today to discuss the best option to protect your mortgage.

Family life insurance no medical exam

One of the most common reasons for arranging life insurance is to protect your family against financial strain if you were no longer around.

As with most forms of life insurance, a medical exam will only be required if high-risk factors are identified during application.

If your health is particularly unfavourable and is likely to result in high premiums or possible refusal, then it's possible to arrange an over 50s plan if within the required age criteria.

This takes into account no medical information and therefore, guarantees acceptance to all UK residents aged 50-85.

To understand the options for protecting your family and to determine which one best meets your needs, contact our award-winning team.

Why do insurers request a medical?

Your premiums are calculated by the insurer after looking at many factors, including your current health, smoking status and medical history.

The purpose of a medical is for the insurer to acquire a more detailed picture of your health.

This enables them to more accurately determine what your monthly premium should be.

Alternatively, an insurer may ask for permission to contact your doctor to obtain medical records.

Often, this provides sufficient reassurance for the insurer to approve your policy.

When are medicals needed?

It's important to understand that each insurer has their own unique criteria to establish whether a medical is required.

This is why it's very important to compare quotes/policies from multiple insurers.

However, as a general rule, you may require a medical exam if:

  • You’ve disclosed pre-existing medical issues during your application
  • You’ve been refused life insurance in the past
  • You’re wanting to be covered for a large sum assured
  • Your family has a history of suffering serious hereditary diseases
  • You’ve lived abroad for an extended period of time

What is the medical exam for life insurance?

During a medical exam for life insurance, a number of elements will be assessed to determine your overall health.

Such as your:

  • Urine
  • Blood
  • Fitness (on occasions)

This will test for any abnormal/high-risk readings which would prevent an insurer from providing you with life cover or require them to inflate the cost of your premiums.

Do they check for STDs for life insurance?

Whilst the blood and urine tests used during a medical exam can detect STD’s, usually, these are not detrimental to your mortality.

As a result, their presence won't affect the likelihood of you obtaining cover or experiencing increased premiums.

The key exceptions to this are HIV and syphilis.

Whilst having either of these won't automatically mean you're declined cover, the stage they are at may result in either inflated premiums or make it more difficult to be accepted.

At Reassured, we have an impaired risk team who have helped find cover for 45% of customers declined elsewhere.

How much is a life insurance medical exam?

If your life insurance provider requires you to undergo a medical, they'll cover the cost of the examination.

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.

How long does a life insurance medical exam take?

A life insurance medical exam isn’t a long endeavour and usually lasts approximately 20 minutes.

It's carried out at a location convenient to you and is conducted by a GP or nurse accepted by the insurer.

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 still 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.

Can life insurers access your medical records?

Occasionally, following medical questions during the application, further information is required.

Instead of getting you to undergo a medical, insurers may request access to your medical records to obtain the required information.

In order to access your medical records, the insurer must obtain your permission.

Although, failure to grant this permission could result in your application being denied.

Following the start of your policy, insurers can access your medical records upon your passing 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 required, a claim is valid.

Level of cover protection

On occasions when a large sum assured is required, insurers will 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.

Therefore, depending on the cover amount, your likelihood of having to undergo a medical to obtain life cover may be increased.


When medical information is required it can be tempting to withhold or distort information regarding your health.

This is known in insurance as non-disclosure.

However, as mentioned, if an insurer believes the information you've disclosed is untrue or they query information upon your death, a claim can be declined.

This could be uncovered either via your autopsy or reviewing your medical records.

To prevent your loved ones being denied a claim and your investment being wasted, it's essential you disclose all information regarding your health.

Reassured's impaired risk team

If you have a complicated medical history and perhaps have suffered cancer, diabetes or a heart attack, you may experience problems securing adequate cover.

However, there are still options besides opting for a no medical alternative.

It may be possible that even in poor health, providing details of your condition could still be a more cost-effective solution than selecting an option where your risk is unknown to the insurer.

At Reassured our dedicated impaired life insurance team have helped secure cover for more than 45% of those who have been declined cover elsewhere.

They have the skills to put you in touch with the insurers most likely to accept sufferers of your condition, at the lowest cost.

We can help save you time and money on life insurance

Regardless of whether you opt for life insurance with or without disclosing medical information, the cost can vary significantly between insurers.

As a result, it's essential to compare multiple quotes to ensure you secure the best possible deal.

Our award-winning life insurance broker service can carry out all the hard on your behalf, comparing a wide range of insurers free of charge, saving you time and money.

We can also guide you through the application process, answer any questions and help write your life insurance in trust on the majority of the policies we sell.

And the best bit is our broker service is completely fee-free to use.



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