David Allan

Expertly compared by David Allan

Products Updated June 28, 2019

Get Life Insurance Cover With No Medical

If you want to take out a life insurance policy you have to be aware that at some point the insurer will want to know, in depth, about your current health before offering cover. This is not always the case, let our experts and providers find you a great deal.

FREE life insurance comparison. Our experts at ActiveQuote can help find you a great deal from across the marketplace:

Learn More
All credit types
Rated 4.8/ 5

ActiveQuote

Provider
ActiveQuote

Products
Life Insurance

Speciality
Compares The Market

Active Quote will compare the marketplace across 10 life insurance providers to find you the best deal that meets the needs of youself and your family. Finding the best deal from providers such as Zurich, VitalityLife and Royal London only takes a few minutes and policies can be purchased online.

Available via broker only
All credit types
Rated 4.6/ 5

Legal & General

Provider
Legal & General

Products
Life Insurance

Speciality
Life Insurance

Life cover or life assurance helps you to financially protect the future of your loved ones. Life Insurance from Legal and General offers reassurance that your loved ones or family will still be looked after financially should the worst happen.

Available via broker only
All credit types
Rated 4.2/ 5

Zurich

Provider
Zurich Life Insurance

Products
Life Insurance

Speciality
Life Insurance

Zurich Life Insurance will pay out a cash sum if you die during the term of the policy, or if you are diagnosed with a terminal illness and are expected to live for less than 12 months. Plans can be tailored with optional extras to suit your individual requirements and to provide added peace of mind.

Available via broker only
All credit types
Rated 4.7/ 5

Friends Life

Provider
Friends Life

Products
Life Insurance

Speciality
Life Insurance

Friends Life is now part of the Aviva Group. Get the cover you need to protect your family and loved ones when you're no longer around.

Available via broker only
All credit types
Rated 4.5/ 5

LV

Provider
Liverpool Victoria

Products
Life Insurance

Speciality
Life Insurance

Life insurance from Liverpool Victoria will pay a lump sum should the worst happen, so you will have peace of mind that your family and loved ones will be financially protected when you’re no longer here. Even superheroes need protection.

Available via broker only
All credit types
Rated 4.5/ 5

Royal London

Provider
Royal London

Products
Life Insurance

Speciality
Life Insurance

With a policy in place with Royal London , you can leave money to your loved ones when you pass away, to help protect your family financially. Get a free quote or apply online.

Available via broker only
All credit types
Rated 4.6/ 5

Ageon

Provider
Ageon Life Insurance

Products
Life Insurance

Speciality
Life Insurance

Ageon is here to help you reach your goals at every stage of your life. Part of that involves putting plans in place to adequately protect and insure you against the unexpected things in life.

Learn More Available via broker only
All credit types
Rated 4.6/ 5

Vitality

Provider
Vitality

Products
Life Insurance

Speciality

If the worst should happen, or you can’t work because of illness or injury, Vitality Life's 5-star Defaqto award-winning range of protection products will give you or your family payments to make things easier.

 

FAQ's

What is no medical life insurance?

If you want to take out a life insurance policy you have to be aware that at some point the insurer will want to know, in depth, about your current health before offering cover.

This is not always the case, and we can decide whether this is a necessity or not but it will depend on your circumstances and how much cover you require.

When you apply for life insurance cover you will be asked a number of questions regarding your health and lifestyle. Therefore, if you have never had any medical problems and are a non-smoker your will be considered low-risk because you are less likely to make a claim than someone who does smoke or has health complaints.

Also see: Guaranteed acceptance life insurance

It is understood that many people do not like a trip to the doctors, what type of people usually apply for a life insurance policy and do not want a medical examination?;

People that have a genuine fear of the doctors, better known as “white coat” syndrome and want to avoid the stress of an examination.

  • People that have a fear of needles.
  • People that feel they are simply too busy and do not have the time for an examination.
  • People that need the insurance policy to begin as soon as possible.
  • People that only require a small amount of coverage and do not see a medical

How does it work?

Upon applying for your policy most insurers will request permission to contact your doctor to examine your medical history, so if you are in reasonably good health this will save you the trip of a medical examination.

There are a number of key factors that the insurer will look into to determine what your monthly payments (premiums) will be set at.

The most likely questions/information you will asked are;

  • Age
  • Weight
  • Height
  • Sex
  • How much alcohol is consumed over a set period
  • Whether you are a smoker or not
  • Family medical history
  • Your occupation
  • Your medical history or any current medical issues

If you require life insurance and you are the type of person that really does not want to make the trip to the doctors for the medical examination, there are steps that can be taken to help avoid this and by doing the following it should help lower your monthly premiums.

If you are a smoker you should do your utmost to quit as soon as possible. Likewise, with your consumption of alcohol, if you drink over and above the recommended figure of units of alcohol per week, try and cut back. We are all aware that statistically, if you are not overweight you are most likely to live longer, so losing weight will also mean that there is a lower risk of a claim being made.

If a medical examination is not something you feel you want to go through then it is imperative that you are truthful when answering all questions. If you are not, in the event of a claim your policy could be redundant.

The four main features and benefits of having no medical examination

  • Quick and simple whilst ensuring you still have the relevant cover required.
  • Affordable, even without a medical examination there are great offers available.
  • Convenient, this means you can purchase the cover from the comfort of your own home.
  • Ensures your family are still protected, sooner rather than later.

We are independently reviewed by our verified customers and web users:
Rating: 4.6 / 5 with 28 votes

Lending Expert is a credit broker and comparison website, we're not a lender.

We bring together the very best financial providers and products from across the market place.

Warning: Late repayment can cause you serious money problems.
For help, go to moneyadviceservice.org.uk