Unfortunately, most life insurance policies require you to provide medical information when applying for cover.
This information is then used to determine the likelihood of a claim being made.
As this is a certainty if the policyholder is suffering a terminal condition, the application will be declined.
However, if aged between 50-85 there's still another option.
An over 50s plan provides guaranteed acceptance to all UK residents within this age range, without the need to provide any medical information.
The one caveat, however, is that over 50s plans include a waiting period (usually between 12-24 months) which the policyholder must survive before a payout will be made.
If the policyholder passes away before this period, the premiums made into the policy will be refunded but no lump sum payout will be issued.