Life insurance - no medical
I applied for life insurance and no medical was required?
This is correct in certain circumstances and is explained in more detail below.
Do you always ask for a medical examination for life insurance?
The fact is that sometimes, no medical is required when applying for Legal & General life insurance. Applying for life insurance involves answering questions about your circumstances so you can get a more accurate quote.
The premium you are quoted is affected by a number of factors. The main ones are your age, occupation, smoker status, health, the level of cover you need and type of contract that you choose. Normally, the older you are the higher the premium. Your individual height, weight, medical history and lifestyle are all assessed.
Based on this, Legal & General decide if a medical is required. In some cases no medical is required if you are in good health and accepted on standard life insurance terms. However, for example, if you're looking to take out a policy with a large sum assured then it's possible that a medical will be required. Sometimes, a medical examination will not increase your premiums, as a medical practitioner will verify some of your medical circumstances.
Is it important that I answer correctly?
If you apply for a policy there will be some medical questions that you will be required to answer, regarding your medical history. It's vitally important that you are as accurate as possible when applying. If you die because of a pre-existing medical condition that you didn’t tell Legal & General about when applying, then your insurance policy might be cancelled and the policy will not pay out.
