Life Insurance with no medical: What You Need To Know

Life Insurance with no medical: What You Need To Know

Are you considering getting life insurance but hesitant to go through medical exams? You're not alone. Many people avoid getting life insurance becaus

The path to a healthier financial life
How can you fight the effects of stress on your relationship?
Money and Mental Health – What’s the Link?

Are you considering getting life insurance but hesitant to go through medical exams? You’re not alone. Many people avoid getting life insurance because of the tedious and invasive medical exams required. But did you know that there are options for life insurance with no medical exams?

Life insurance is an important investment that provides financial security for your loved ones in the event of your unexpected death. However, the traditional process of getting a life insurance policy can be a deterrent for many people. The good news is that there are options for getting no medical life insurance.

How does life insurance work?

Life insurance works by providing financial protection to your family in the event of your death. When you purchase a life insurance policy, you are purchasing a contract between you and the insurance company that outlines the specific details of your coverage.

Essentially, the policy will provide a lump sum when you die. This can help your family cover any costs related to your death, such as funeral costs and any outstanding debts.

When you apply for cover your insurer will usually ask some medical questions. They may also need to review your family’s medical history, or complete a medical exam. This is to ensure that you are at an acceptable risk.

Can I get life insurance cover without a medical?

If you have health problems or are not in good health, it can be difficult to get life insurance cover. However, there is an option that allows you to get life insurance without having to undergo a medical examination.

This type of policy is known as ‘no medical’ or ‘guaranteed acceptance’ life insurance. As a result, it usually has higher premiums than a regular life insurance policy. However, it can be useful for those who may have been declined for standard life insurance due to their health status or age.

Main types of life insurance, such as term and whole life insurance, typically require some medical information during the application process. This is to assess the risk that you pose to the insurer, and ensure that they can offer an appropriate level of cover. Should you be denied cover, guaranteed life insurance would be your next stop.

What if I have a pre-existing condition?

If you have a pre-existing medical condition, it may still be possible to get life insurance cover with no medical. However, this will depend on the nature of your condition and the level of risk involved.

Your insurer may assess factors such as how well controlled your condition is, the progression of symptoms, and any treatments or medications you are taking. They will also look at your age and lifestyle to determine the level of risk associated with providing you with cover.

Conditions may include:

  • Heart attacks
  • Heart disease
  • Strokes
  • Cancer
  • High blood pressure
  • Obesity
  • Asthma and other breathing issues

Even if you are accepted for life insurance with a pre-existing condition, your premiums will likely be higher than someone who is deemed healthy. This may depend on the severity of your condition and the time of diagnosis.

Be honest with your medical history

It’s essential that you are honest and provide full disclosure of any medical conditions or treatments you have had when applying for life insurance. This includes any pre-existing conditions, medications or treatments you have received.

Failure to disclose information could deny your family of a claim, so it is important to be as open and honest as possible. Your insurer may also ask for proof of your medical history or to undergo a medical exam to assess your risk.

What other factors could affect my premiums?

Along with your health, life insurance premiums may also be affected by factors such as:

  • The type of policy you choose – such as term or whole life insurance
  • The amount of cover you require
  • Your age – younger people tend to pay lower premiums than those over the age of 50
  • Your occupation – If you have a high risk occupation, you may have to pay high premiums
  • Your lifestyle – activities such as dangerous sports or alcohol consumption can affect premiums

How much cover do I need?

The amount of coverage you need will depend on your personal financial situation and the needs of your family. A good rule of thumb is to have enough coverage to replace your income for a certain number of years.

Also consider your current financial situation, such as any debts or investments that may need to be paid off in the event of your death. You may also want to take into account death related expenses, such as funeral costs.


No medical life insurance can be a great option if you have health issues or other factors that mean you may not be accepted for traditional life insurance cover. However, the premiums may be higher than regular life insurance policies. Make sure to shop around for the best deals.