No Medical Life Insurance | Life Insurance Without The Medical
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At Discount Life Cover, we have a range of excellent 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 no medical life insurance, which could be perfect for you. It differs from traditional life insurance policies, and we can help you compare the best options to 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, no medical life insurance is an alternative option that means you don’t have to undergo any exams to assess your health. This means the whole application process runs a lot smoother, and there are fewer things for you to worry about.
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
What are the benefits of no medical life insurance?
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.
Plus, medical assessments often lead to much higher premiums as insurance providers pick up on any trivial thing and deem it a risk. Without a medical, you could end up with a much more affordable policy.
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.