Can you get life insurance with no medical?

Yes, you can get life insurance with no medical. In most cases, a medical exam isn’t required when you apply for life insurance.

However, whether you qualify for life insurance without a medical will depend on your personal circumstances, how much cover you want to take out and the policy type.

In this guide, we explain how it’s possible to get life insurance without a medical and answer your key questions.

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What is no medical life insurance?

No medical or no medical exam life insurance refers to any type of life insurance that doesn’t require you to undergo a medical exam as part of the application process.

For example, it could refer to a standard life insurance policy (such as term life insurance) which is often available with no medical exam - particularly if you’re in good health, don’t smoke and have a healthy BMI.

Or no medical life insurance could also refer to a policy that offers cover without any medical questions or exam, better known as an over 50s plan or guaranteed life insurance.

You may consider an over 50s plan if you’re a UK resident aged 50 - 85 and have found standard life insurance too expensive or difficult to obtain due to your medical history.

We outline the different types of no medical life insurance in more detail below.

Types of no medical life insurance

Term life insurance [no medical exam]

Term-based policies could be available with no medical if you’re considered low risk by insurers.

Policy key features:

  • Level or decreasing sum assured (cover amount)
  • Provides cover for a set term (typically 2 - 40 years)
  • Can help to cover unpaid debts (such as a mortgage), living costs and/or funeral costs
  • Application includes medical questions
  • Fixed monthly premiums from 20p-a-day †

If you’re in good health, you could get immediate term life insurance quotes online through Reassured and be accepted within minutes.

Click through to our form to compare your free quotes.

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Over 50 life insurance [no medical questions or exam]

A guaranteed over 50s policy can offer cover without any medical questions or exam if you’re a UK resident aged 50 - 85.

Policy key features:

  • Guarantees acceptance to UK residents aged 50 - 85
  • Guaranteed pay out up to £20,000* (fully payable after a 12 or 24 month waiting period, depending on the insurer)
  • Can be used to help towards funeral costs or as a small inheritance
  • Fixed premiums that could start from just 20p-a-day +

If you’re in good health and looking for life-long cover, then it could be worth checking out whole of life insurance as an alternative to an over 50s plan. Applications for whole of life cover include medical questions but it could offer you a higher level of cover.

At Reassured, we can provide you with our best over 50 life insurance no medical quotes from a panel of top UK insurers.

Contact our friendly team for your free, personalised quotes.

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When is a medical needed for life insurance?

As mentioned, when applying for standard life insurance, a medical isn’t always needed.

However, every application is assessed on a case-by-case basis and you may be asked for a medical if one of the following risk factors applies to you:

An insurer may request your permission to access to your medical records or that you attend an exam if they require more information about your health.

Please note, if you’re asked for a medical and you’re unable to give consent or attend an exam, then your application may be declined.

What medical questions are typically asked?

If you apply for standard life insurance, then you’ll need to answer a range of medical and lifestyle questions. This is part of the normal application process and doesn’t mean that you’ll need to undergo an exam too.

Insurers ask questions that relate to your:

  • Health & wellbeing (including any pre-existing medical conditions)
  • Medical history (including prescribed medication, treatment or surgeries you’ve had in the past)
  • Family medical history (to see if there’s any risk of hereditary diseases)
  • Height & weight (to calculate your Body Mass Index)
  • Smoking habits in the past 12 months (such as which types of nicotine products you use and how often you smoke)
  • Alcohol consumption and drug use (for example, whether you’ve had problems with alcohol or drugs which has led to medical help)
  • Occupation & hobbies (certain high-risk job roles and hobbies could affect premiums)

These factors are considered when assessing your application to determine the potential risk you pose, your eligibility and the cost of your premiums.

When applying for over 50s life insurance, you’ll only be asked for your age and smoking status during the application process.

How much is life insurance with no medical?

Life insurance with no medical starts from just 20p-a-day through Reassured.

However, the exact price you pay will depend on your personal circumstances and the policy you choose.

Term life insurance cost

For standard life insurance policies, the cost of your monthly premium is determined by a range of factors, including:

  • Your age
  • Health & lifestyle
  • BMI
  • Smoking status
  • Policy term length
  • Cover amount (sum assured)

In the table below you’ll find example premium prices for level and decreasing term life insurance policies. Quotes are based on a non-smoker in good health.

Policy term: 20 years

Sum assured: £100,000

AgeLevel term life insuranceDecreasing term life insurance
20£3.53£3.50
25£4.27£3.91
30£5.30£4.54
35£7.61£5.34
40£10.54£6.74
45£15.74£10.03
50£24.84£15.26
55£27.85£18.37
60£51.06£30.88

Over 50 life insurance cost

For over 50s life insurance, the cost of your monthly premium is determined by the following factors:

  • Your age
  • Smoking status
  • Cover amount (sum assured)

Below you’ll find example premium prices for a non-smoker taking out £5,000 of over 50s life insurance:

AgeMonthly premium
50£15.00
55£18.00
60£20.00
65£25.00
70£35.00
75£51.00
80£75.00

The cost of no medical life insurance varies between insurers, which is why it’s important to compare multiple quotes.

Get your free, personalised quotes through Reassured to see if we can help you save money.

How much life insurance can I get without a medical exam?

This will depend on your personal circumstances, the type of life insurance you apply for and the individual insurer.

If you need to take out a large amount of cover, then some insurers may insist you undergo a medical exam before accepting your application.

For example, with Legal & General, if you apply for more than £500,000 and you’re over 40, then you may be asked to attend a medical check.

A large pay out significantly increases the risk to the insurer, therefore, measures are taken to mitigate this risk.

If you’re already considered high-risk then you may be asked to undergo a medical exam, regardless of how much life insurance you want to take out.

Life insurance that guarantees acceptance, such as an over 50s policy, tends to have a much lower cover amount compared to other policies.

Life insurance [no medical] calculator

Use our simple calculator to work out how much life insurance you may need based on which costs you would like it to cover. If you have death in service benefit or any savings, then this may lower the level of cover.

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£137,934 is the estimated mortgage debt per household in the UK.

The purchase of a home is likely to be the largest financial commitment any of us will make in our lifetime. Your life insurance should cover your remaining mortgage balance to allow your loved ones to stay in the family home should anything happen to you.

Source: Moneynerd.co.uk
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The average monthly household budget in the UK is £2,548 (that’s £30,576 per year), which is spent on transport, food & drink, utilities (gas, electricity, water etc), clothing, council tax and leisure activities.

With energy prices hitting a record high and the cost of living rising sharply in the UK, you may wish to factor in utility bills and family living expenses into your cover.

Source: Nimblefins.co.uk
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The average personal debt of UK adults has risen to £34,566 (not including mortgage debt), with credit cards, personal loans and overdrafts being the most common forms of debt.

Factoring in any debts into your life insurance cover means that, if they need to be paid back from your estate after your passing, your loved ones won’t miss out financially.

Source: Money.co.uk
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According to SunLife, the average cost of a funeral in the UK is £3,953 (with the overall cost of dying at £9,200).

Funeral costs have increased by 116% since 2004 and are a significant cost which should be factored into the amount of life insurance you secure.

Source: SunLife.co.uk
£
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When factoring in cover for your children, you may wish to calculate the amount based on how long it is until they reach financial independence.

This could include childcare (£7,000 per year for part-time care), school expenses (£1,519 per school year for uniforms, lunches, stationary etc), as well as an additional sum for further education (this could be a contribution of up to £5,000 per year).

Sources: Daynurseries.co.uk, Primarytimes.co.uk & Savethestudent.org
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2 in 5 adults say they are relying on an inheritance to fund their retirement.

Factoring in an inheritance to your sum assured could allow loved ones to live a more financially comfortable life. Alternatively, you could leave a cash gift to a charity of your choosing.

Source: Moneyage.co.uk
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If you’re lucky enough to have your own savings or are part of the 30% of UK residents who already have a life insurance policy in place, this can provide financial protection for loved ones.

By entering your current cover, savings or death in service amount you can reduce the sum assured you require.

Source: Scottishbusinessnews.net
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How to find the best no medical exam life insurance [Top tips]

  • Apply for the right cover. If you’re in good health, then you may find it more beneficial to apply for life insurance that requires your medical information, such as term-based life insurance, as this could mean lower monthly premiums compared to guaranteed acceptance policies. A medical exam isn’t usually required for term life insurance unless you present one of the risk factors described earlier in this article.
  • Compare quotes. No matter your circumstances, it’s important to get quotes for different policy options and from different insurers to help you find a suitable option. You can compare multiple deals through Reassured using our fee-free broker service
  • Disclose any pre-existing conditions. Always be 100% honest about your health and lifestyle choices during the application process to ensure that your policy is valid - any non-disclosure will prevent a pay out to your loved ones
  • Take out cover as early as possible. The younger you are, the cheaper your life insurance is likely to be. It could also help you avoid a medical if your health changes in the future

Buy life insurance online [no medical exam] from 20p-a-day

Using the services of a fee-free life insurance broker, such as Reassured, can help you to find the right life insurance to suit your circumstances and budget.

Most people can get immediate quotes online by clicking through to our buy online service, but if you have any questions, we also offer telephone support.

Other reasons to use us:

  • Free, no-obligation quotes from a panel of top UK life insurance providers offering affordable life insurance without a medical
  • Award-winning quote comparison service rated ‘Excellent’ on Trustpilot from 80,000+ reviews
  • Dedicated impaired risk team who have an excellent record of finding some form of cover for applicants with health conditions
  • Free trust-writing service with most of the policies we arrange (avoid or minimise inheritance tax)

Get in touch for your free, no-obligation life insurance with no medical quotes.

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Life insurance no medical exam [FAQs]

Is medical information required for term insurance?

Yes, you’ll need to provide medical information when applying for term-based cover (decreasing term or level term).

These types of policies are medically underwritten so that insurers can assess the likelihood of a claim and the level of risk involved with offering cover.

However, it's not always necessary to undergo a physical medical exam.

In most cases, providing information about your health via a medical questionnaire is sufficient for insurers to determine the level of risk.

Can you get no medical life insurance for seniors

Yes, you can get no medical life insurance for seniors. This could be an over 50s plan, or a whole of life insurance policy (if you’re eligible).

Over 50s life insurance is specifically designed for seniors who want to avoid medical questions or an exam when applying for cover. Acceptance is guaranteed if you’re a UK resident aged 50 - 85. However, the maximum cover amount is £20,000 depending on your age, smoking status and budget.

If you don’t mind answering a few medical questions and you’re a senior in good health, then whole of life insurance with no medical exam could be available.

A whole of life policy could provide a larger pay out than an over 50s plan but this is reflected in the premiums. Obtaining quotes for both can help you decide if either of these policies are suitable.

What is a life insurance medical?

A life insurance medical is type of health assessment that can help to check your overall health and identify your risk of getting certain medical conditions, such as:

  • Heart disease
  • Kidney disease
  • High blood pressure
  • Diabetes
  • High cholesterol

During the medical, you’ll be asked some questions about your lifestyle and family medical history, as well as undergo a number of simple tests and measurements, including:

  • Blood tests
  • Blood pressure test
  • Smoker test
  • Urine test
  • Height and weight measurements to calculate your Body Mass Index (BMI)
  • Waist measurement

If you’re requested to attend a medical then it’ll be arranged at a time and date to suit you, at your local GP surgery or pharmacy.

It’s typically carried out by an NHS nurse or healthcare professional and takes around 20 - 30 minutes.

How much is a life insurance medical exam?

If a life insurance provider requests that you to undergo a medical, they'll cover the cost of the exam.

What happens if I lie about my health to avoid a medical exam?

If you lie about your health to avoid a medical exam, this is known as non-disclosure and is a type of insurance fraud.

Not being fully truthful on your application from can cause your policy to be invalid, meaning any future claims will be declined.

Your insurer has the right to obtain your medical records after you pass away if there’s any suspicion of non-disclosure.

It's essential that you provide the correct information when applying for life insurance to ensure that your family are protected and your premiums don’t go to waste.

Can insurers access your medical records?

If an insurer requires access to your medical records whilst assessing your application, then they must obtain your permission first.

Medical records will include your medical history over the past five years, sometimes longer depending on your circumstances.

Typically, the information provided by your GP will be specific to your life insurance application.

Once your policy is in place, insurers can access your medical records upon your death if they suspect any non-disclosure.

The details will be outlined in the terms and conditions of your policy.

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