Life Insurance Without The Medical Exam
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At Discount Life Cover, we have a range of excellent no medical life insurance options for you to choose from and compare. We’ve collected policies from some of the biggest names in the life insurance business, ensuring that you find exactly what you need. This includes life insurance without the need for a medical exam. It differs from traditional life insurance policies, and we can help you compare the best options and find the best deal.
What is no medical life insurance?
Typically, when looking for a life insurance policy, you might have to undergo a medical examination. This will be carried out by a doctor, and you will show the results to the insurance providers you’re talking to. The aim is to assess your application in more detail. Individuals that are in worse health than others tend to be given the worst premium rates. The reason for this is that poor health is obviously seen as a risk for life insurance providers.
Therefore, life insurance without a medical exam is an option that many people prefer to take out. It means you don’t have to undergo any exams to assess your health. This means the whole application process runs a lot smoother and faster with fewer things for you to worry about.
Taking out life insurance does not always mean you need a medical. There are various companies who will allow cover without the need for a medical examination or nurse screening.
Who is eligible for no medical life insurance?
Not everyone is eligible for life insurance with no medical examination. More often than not, it depends on how you answer the various questions a provider will ask you. They will set a series of medical-related questions to gain an understanding of your health during the application. If they’re satisfied that you seem to be in relatively good health, then you most likely won’t need a medical. It’s even possible to find over 70 life insurance with no medical!
If any of the following applies to you, then you’ll probably need a medical and this type of life insurance isn’t for you:
- You suffer from pre-existing medical conditions
- Your family has a history of hereditary diseases
- You smoke regularly
- You’ve been refused life insurance cover in the past
How To Get Life Insurance Without The Medical Exam?
Getting an insurance policy with no medical assessment can be quite advantageous. A lot of people are denied life insurance after having a medical. So, by taking this out of the equation, there’s an increased chance that you can get the coverage you need.
Many UK providers actually offer life insurance without a medical. It will often depend on how old you are and how much cover you are looking to take out. Often a policy under £100,000 will not require a medical exam. So unless you have previous medical conditions a medical will not be needed anyway. For those looking to take out life insurance without a medical there are things you can do. For example take out a lower amount of cover. Maybe spread the cover over two providers. Why not speak to one of our advisors and ask how we can help with a life insurance policy without a medical.
Compare no medical life insurance today
If this sounds like something that interests you, then you can compare cheap no medical life insurance quotes with us. Most of the big providers offer this type of policy, and we can provide you with advice on which ones to choose. By putting your needs first, we will help you pick out the ideal life insurance policy with no medical assessments or examinations required.
Discount Life Insurance…Why Use Us
We are an online advice service and as such have little overheads which enables us to give away more commission enabling us to me extremely competitive on price.
Having said all this, life insurance is not always about price and there are differences in the types of cover offered by providers. So we also provide an “advised sale” which means that we take on responsibility to make sure the policy you take is the right one and the most suitable for your circumstances.