A simples guide

Do I need a medical exam before taking out life insurance?

The thought of having to take a medical might fill you with dread. But it doesn’t have to be like that; you might find it comforting to know that life insurance policies don’t always require you to have one, here’s what you need to know.

What is life insurance and do I need it?

Life insurance isn’t something you always want to think about but it’s a type of insurance that can really look after your loved ones were the worst to happen. If you were to pass away, life insurance pays out a lump sum to make sure your loved ones don’t have to worry financially. It gives that little bit of reassurance that the people you care about could be looked after financially if you are no longer around. For more information about life insurance policy types use our handy guide.

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Will I need to have a life insurance medical?

It depends on your medical history, your general state of health and the terms and conditions of the insurance provider. When an insurance provider works out your premium, they’ll ask you questions about your general health and also consider your family’s medical history. They’ll also take into account your age, height, weight and lifestyle such as whether you smoke.

If you’re young and relatively fit, don’t smoke and your family’s health history is clean then chances are you probably won’t need to have a medical before life insurance can be taken out. It’s important to answer the questions as honestly as you can though – it may be tempting to knock a few pounds off what the scales say you weigh or ‘forget’ about the midweek alcohol and social smokes but even a little white lie could invalidate your policy.

In some cases, an insurance provider may ask you to take a medical, mainly so that they can assess your application in more detail and make sure that you’re given accurate premium. Typically you won’t have to fork out for the examination, your insurance provider will pay for you to be assessed, at a place and time that is convenient for you.

If you do need a medical, don’t worry about it. A doctor or nurse will check your weight, height, calculate your BMI and take your blood pressure. Depending on the insurance provider, you might be asked for a more accurate assessment of your health which might include further tests.

So how do I choose life insurance?

At comparethemarket.com, we make comparing easy – it’s just what we do. Use our life insurance comparison service to help you find the right cover at the right price for you.

If you have any questions, call our family insurance service for assistance. Just call 0800 072 1147 (Mon-Thurs 8am - 8pm, Fri 8am – 7pm, Sat 9am - 2.30pm and Sun: 10 am - 3.30pm)

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