Life insurance with no medical

If you’re concerned that taking out life insurance will mean you have to take a medical, then you might find it comforting to know that not all policies require you to have one. Here’s why.

Can I get life insurance with no medical?

Yes, you can get life insurance with no medical, but it depends on your individual circumstances. When you apply for life insurance you’ll be asked questions that relate to your health, such as your age, your weight, whether you smoke and how much you drink.

If your answers suggest that you’re relatively young and healthy – for example, you’re a non-smoker and occasional drinker with a perfect height-to-weight ratio – then the chances are you probably won’t need a medical or doctor’s report. If, however, you’re getting on in years and have smoked for most of your life, then you probably will need to take a medical.

Always bear in mind that it’s important to answer any questions as honestly as you can. 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 heavily for years, then you could invalidate your entire policy.

health

What’s the point of a medical?

Your life insurance premium is dependent on multiple factors, such as your overall health and whether you or your family have any history of medical conditions (past or present).

Having a medical or getting hold of a doctor’s report means that your insurance provider can assess your application in more detail, and give you an accurate premium based on your individual circumstances and lifestyle. The insurance provider will cover the cost of a medical and it will take place somewhere convenient to 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 could include further tests.

Why do I need life insurance?

Life insurance is designed to pay out a lump sum in the event of your death. While that doesn’t make for cheerful reading, it’s important to think about the financial welfare of your loved ones should the worst happen.

There are two main types of life insurance. Term life insurance, which includes both level and decreasing term policies, is often taken out to cover the costs of any outstanding mortgage should you die. Whole of life policies (also known as life assurance) pay out a tax-free lump sum to your loved ones when you pass away. Which you choose will depend on what your family will potentially need the money for. Take a look at our guide to the different types of life insurance for more information.

If you do decide to take out life insurance, it’s probably worth getting the policy put ‘in trust’. This will separate your life insurance from your assets, so that the money from your policy isn’t taxed (unlike your assets, which are subject to inheritance tax).

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How can I save money on my life insurance?

If you want the best prices for life insurance, you need to show that you take care of yourself. While there are areas that you have no control over, such as your family’s health history or if you have an existing condition, there are plenty of other factors that you can control, such as keeping your weight under control and not smoking.

How do I find a life insurance policy to suit me?

Life insurance doesn’t have to be expensive. We found that half our customers could get cover for as little as £5 a month**. So why not see what’s available. Use our life insurance comparison service to help you find the right cover for you at a price you can afford. And if you’re worried that you’re too old to get a policy, read our guide to over 60s life insurance or compare cover with our over 50s life insurance

**50% of customers could achieve a premium of up to £5.00 a month based on comparethemarket.com data from May 2016 to Apr 2017. Based on a £100,000 decreasing term policy over 10 years with guaranteed premiums for a 30 year old non-smoker.

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