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

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.