Life insurance with no medical

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Can I get life insurance without a medical?

Life insurance without a medical is available – and means that you'll be able to take out a policy without needing to complete health checks. Whether or not you're eligible will depend on circumstances relating to your health, lifestyle and your family's medical history. 
If you're relatively young and in good health, then you probably won't need a medical report for life insurance. But if you're older and, say, have smoked for most of your life, then you'll probably be asked by an insurance provider to visit your doctor. 
Some life insurance providers offer a cover called guaranteed acceptance, where you can be certain you’ll be offered a policy. This type of no-medical policy builds a cash value over time and lasts as long as you continue to pay your premium. 

Why would I need to take a medical for life insurance?

You could be asked to take a medical for life insurance 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 (inherited genetically) in your family 
  • you’ve lived overseas for extended periods of time 
  • you’ve been turned down for life insurance in the past. 

How are life insurance costs calculated?

When calculating life insurance premiums, insurance providers look at:

  • Basic details. Information including your age, weight, height and gender
  • Your lifestyle. Whether you smoke, and how many units of alcohol you drink a week 
  • Your job 
  • Your health history and if you have any existing or chronic health conditions
  • If there are any known hereditary health conditions in your family.

Frequently asked questions

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 life insurance provider will be able to assess your application in more detail. This will help them to 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 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, including eating well and not smoking. Typically, the healthier you are, the better it is for you when it comes to life insurance.  
Find out why it’s a common misunderstanding that you can’t get life or health insurance cover with a pre-existing medical condition.

Should I tell my life insurance provider that I smoke?

It’s important to answer any questions truthfully. It may seem tempting to say you don’t smoke in the hope of reducing your premiums. But if it comes to light later that you’ve been smoking for years, you could invalidate your entire policy.  
Few things in life are guaranteed. That’s why it’s very important to think about the financial welfare of your loved ones should the worst happen to you – and the consequences of not being honest when you take out a policy.  
If your insurance provider finds out you lied about your lifestyle, or left out details of any existing conditions, they can refuse to pay out on your claim. Then your family and loved ones would be left without the support you had planned for them.   
Find out more about how smoking and vaping affect your life insurance.

What about over 50s life insurance?

Over 50s life insurance normally pays out a lump sum when you pass away. This can be given to a loved one as a gift. Or it could be used to help with financial commitments such as funeral costs or outstanding bills. 
One of the main benefits of over 50s life insurance is that you’re guaranteed to be accepted, regardless of your lifestyle or medical history. But you’ll have to pay into the policy for a minimum amount of time, for it to pay out. 

What else do I need to know about my life insurance policy?

Any pay-out from your life insurance claim counts as being part of your legal estate. It’s worth seeing if it would push you above the inheritance tax threshold. 
To avoid paying inheritance tax on any pay-out from your life insurance, you might consider writing the policy in trust. This is where you establish a trust allowing you to set your life insurance policy aside as an asset. Doing so means it can be paid directly to a named beneficiary, or to beneficiaries, instead of it being counted as part of your legal estate.  
A further benefit of writing your policy in trust is that you shouldn’t need to go through probate (administering the deceased’s estate). As a result, the process of claiming should be much quicker.  
Many insurance providers can write your policy in trust at no additional cost and you may be able to amend an existing policy. But it’s worth seeking independent legal advice, to make sure it’s the right choice for you.

How much does life insurance cost?

The cost of life insurance depends on several factors including your age, lifestyle and your current health.  
Compare with us and you can look at different life insurance quotes to find the right policy for you, at a price that works with your budget.

What do I need to get a quote?

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Kamran Altaf

From the Life team 

What our expert says…

“We all want to make sure our family are taken care of, no matter what. Going for a medical before taking out a life insurance policy may seem intimidating, but it’s important to make sure you get the right cover for you.”