Life insurance no medical

Yes, it’s possible to obtain life insurance with no medical.

You can secure an affordable policy without having to undergo a physical health check.

It’s also possible to arrange life insurance with no medical questions.

This is a type of policy which guarantees acceptance to people aged 50 - 85, known as a 'guaranteed over 50 plan' or 'over 50 life insurance'.

Why not take advantage of our award-winning broker service to discover your options?

No medical life insurance is simply a standard life insurance policy that you’re able to secure without having to undergo a medical exam.

Most people can obtain standard life insurance with no medical - particularly those who live a healthy lifestyle, don’t smoke and have no medical problems.

No medical life insurance may also refer to a policy that you’re able to secure without providing any medical information whatsoever.

These types of policies can be suitable for those who are deemed a high risk (are older/have a medical condition) and struggle to obtain standard life insurance.

See over 50 life insurance no medical below for more information.

You may be asked to undergo a medical exam if an insurer identifies any high-risk factors during the initial medical questionnaire.

Sometimes a full medical exam isn’t required in these instances and insurers may request to see your medical records as an alternative.

If you pose a low risk, for example you’re a young adult in good health, then your application should be approved without needing further investigation.

As mentioned, most standard life insurance policies require your medical information via a questionnaire before you can be accepted for cover.

However, there are some types of life insurance available which are designed to provide you with cover without needing any medical information from you at all.

These policies are known as ‘guaranteed acceptance’ life insurance or ‘guaranteed over 50 plans’.

The application process is usually quick and simple, as you don’t need to answer any health questions, and you’re guaranteed to be accepted.

Nonetheless, the cost of premiums tends to be higher than of other policies (relative to the sum assured), because insurers compensate for the unknown risk.

Sometimes, depending on your circumstances and the level of cover you need, it can be beneficial to apply for a policy which requires your medical information, as your premiums could work out less expensive.

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

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 standard whole of life insurance policy 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.

We're unable to provide whole of life insurance that does not require medical information. However, if interested in arranging whole of life insurance cover that requires medical information, contact our team for your free quotes.

A medical exam for term life insurance won’t be required if you pose a low risk to the insurer.

Even if you’re health is less than ideal, 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.

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.

If an insurer requires access to you 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 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.

Whether no medical life insurance is right for you, or available to you, will depend on your individual circumstances.

Most people don’t need to worry about undergoing a medical exam to secure the life insurance they need.

If you’re relatively young and in good health, it may be in your best interest to provide medical information when applying for cover.

This is because the level of risk you pose to the insurer is likely to be low, and your premiums will be priced based on this low risk.

When no medical information is disclosed, the risk to the insurer is unknown and they compensate for this by inflating the cost of your premiums.

If you’re older, suffer from a pre-existing medical condition and aged between 50 - 85 then life insurance with no medical questions could be the right option for you.

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.