Published by Joe Davine on
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How to get life insurance with no medical checkup

Many over 50s life insurance plans do not require any sort of medical examination. However, even with a ‘no medical’ policy, due to the nature of life insurance, you will need to supply both medical and lifestyle information in order to receive an accurate quote and a subsequent policy. We'll explain how getting a quote and applying works, step by step, and how you can find a plan that fits your lifestyle, rather than the other way around.

What is no medical life insurance?

No medical life insurance is a type of life insurance policy designed for people who are over 50, that doesn’t require you to undergo a medical assessment. When you apply, the insurer will ask you a range of questions to determine your health, medical history, and lifestyle. These questions can include:

  • Do you smoke?
  • How much do you weigh?
  • How old are you?
  • How much do you drink?

These questions may feel invasive, but they’re important when getting a personalised quote for you, as life insurance operates entirely on a case by case basis.

However, not everyone is eligible for no medical life insurance. You may be required to have a medical assessment if any of the following applies to you:

  • You’ve told them about a pre-existing or hereditary condition you have.
  • You’ve been refused cover before.
  • You’ve lived abroad recently, or for a long time in the past.
  • You’re looking to be insured for a large sum of money.

This can be frustrating but remember that different insurers will put different levels of importance on certain criteria. For instance, if you’ve lived abroad for an extended period of time in the past, but you have a fantastic bill of health and a low-risk lifestyle in other areas, you could well be accepted by some providers, so it’s definitely worth shopping around.

Who is this sort of policy for?

When it comes to life insurance, no medical type can be seen as a great opportunity for those who are unable to obtain any medical checks or records.

There are many different people who have unique situations that could benefit from a no medical life insurance policy, however, we've put together two of the most frequent examples:

1) People with Aichmophobia

In laymen's terms, this is the name for the extreme fear of sharp objects. This fear also includes medical equipment such as needles and scalpels to name a few. Affecting around 3.5% of the world's population, this phobia could put specific people off of ever getting a life insurance, no medical or any other policies.

However, a no medical life insurance policy could enable you to still get coverage, but not have to go through the medical examination process - we call that the best of both worlds.

2) People with inflexible work schedules

Some people just don't have the luxury of spare time. Extremely heavy workload? Single parent juggling work and the kids? Taking time out of your heavily busy schedule could be impossible - leaving you without time for a medical examination. No time to get life insurance? No medical is the answer!

If this sounds like you, then don't fret, a no medical life insurance policy could be exactly the thing you're looking for in order to get coverage - especially if you have multiple dependents.

Is no medical life insurance only for the people mentioned above?

No. Actually, some plans are aimed at all audiences and don’t consider the applicant’s health, but they tend to have a smaller coverage. There are others that consider a brief part of the applicant’s health records, but the prices are higher. It is something that varies widely. General life insurance, no medical, military or any other type will always have its pros and cons, therefore it is best to discuss with your policy advisor.

How much does no medical life insurance cover?

It can go from £5,000 to £500,000. It will vary depending on the company, the client’s record, current lifestyle and more.

Should I apply for no medical life insurance if I’m healthy?

You could, but it isn’t recommendable. If you have the possibility to go for a medical check-up, this would make you suitable to purchase a different life insurance. No medical will result in less coverage and smaller payout. Consequently, this would help you obtain a better price or coverage without necessarily having to purchase a premium cover.

What will I need to be accepted for no medical life insurance?

Most of the policy providers consider the following documents as mandatory in order to apply for this type of insurance:
  • Motor vehicle records (car or motorbike)
  • Prescription history
  • Medical information/history
  • Questionaire/preliminary phone call

How can I get life insurance, no medical cover right now?

This one's easy! Click here to get yourself a free no medical life insurance quote.

This review has outlined the benefits of no medical life insurance. If you believe it might suit you or someone you know, click the link below to get your free quote now.