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.

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.