Life insurance with no medical

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Frequently asked questions

  • What factors could mean I need to take a medical?
  • What’s the point of a medical?
  • How can I reduce the cost of a policy?
  • What else should I think about?
  • Where can I compare quotes on life insurance?

What factors could mean I need to take a medical?

You could be asked to take a medical if one, or more, of the following applies to you:

  • You’ve disclosed a pre-existing medical condition on an application  
  • There are hereditary illnesses in your family
  • You’ve lived overseas for extended periods of time
  • You’ve been turned down for life insurance in the past

What’s the point of a medical?

Having a medical or getting a doctor’s report (after an insurance provider asks for your consent), means that a provider will be able to assess your application in more detail; and give you the most accurate premium to pay based on your individual health and lifestyle.  

The insurance provider tends to cover the cost of a medical and it’ll take place somewhere convenient to you. If you do need a medical, it’s not something to be worried about. A medical professional will check your weight, height, calculate your BMI and take your blood pressure. 

How can I reduce the cost of a policy?

There are factors which you have no control over, such as your family’s health history or if you have a pre-existing medical condition. However, there are plenty of other things you can control, such as eating well and not smoking. Generally speaking, the healthier you are the better when it comes to life insurance. Find out why it’s a common misconception that you can’t get life or health insurance cover with a pre-existing medical condition.

What else should I think about?

Always bear in mind that it’s important to answer any questions truthfully. While it may be tempting to say that you don’t smoke, if it comes to light at a later date that you’ve been smoking for years then you could invalidate your entire policy. Few things in life are guaranteed, so it’s really important to think about the financial welfare of your loved ones should the worst happen to you – and the implications of not being honest at the time when you take out a policy. 

Where can I compare quotes on life insurance?

It’s really easy with us – and it could take just three minutes to get a quote. Life insurance doesn’t have to be expensive either. We found that half our customers could get cover for as little as £6.10 a month. That’s based on data from November 2018, which found that 50% of customers could achieve a premium of up to £6.10 a month. (Based on a £100,000 decreasing term policy over 10 years with guaranteed premiums for a 30 year-old non-smoker.)