Can I apply for Life Insurance without a medical?

Request a Callback

By clicking on submit I / We give consent for you to call me / us on the number provided to discuss my / our financial requirements.

Caring - Understanding - Reliable - Advice

Home » Frequently Asked Questions » Can I apply for Life Insurance without a medical?

Answer:

There are two main ways to apply for Life Insurance: medically underwritten or non-medically underwritten.

If you choose a medically underwritten policy, premiums will likely be lower but you will be asked about your medical background. You are unlikely to need an actual medical unless you apply for a high level of cover or have a certain health risk.

Non-medically underwritten Life Insurance is generally more expensive but is guaranteed acceptance that almost anyone can obtain without health questions or a medical.

If you have any more questions give us a call on 0800 567 7450 or if you would like more information on Life Insurance click here.

Client Reviews

Can I apply for Life Insurance without a medical?

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."