Life insurance - no medical

Customers are often unsure if a medical examination is required when applying for life insurance, and why it could be important. We hope the information below will make it clearer.

Is a medical examination required when applying for life insurance?

It depends on the individual, their circumstances, and the amount of cover applied for but in our experience, a medical examination is not always required.

When you apply for cover we ask you questions about your health and lifestyle, and based on this and the amount of cover requested we can decide if a medical is required or not. For the majority of cases no medical is required if you are in good health and you'll be offered cover on our standard life insurance terms.

However sometimes a medical examination is required to help us assess your application and to provide you with an accurate quote.

If we do ask you to attend a medical examination, this may be with a doctor or insurance trained nurse, we will pay the costs of any examination we request.

What factors can affect the premium?

The premium we quote you is affected by a number of factors. These include the amount and type of cover requested, as well as other factors such as your age, occupation, smoker status and your health. Your height and weight, alcohol consumption and hobbies are also taken into account.

The older you are the higher the basic premium tends to be, so it can make sense to take out life insurance at a young age.

Is it important to answer the questions correctly?

It's vitally important that you answer all the questions as accurately as possible when applying. If you die because of a medical condition that you didn’t tell us about when applying, then your insurance policy could be cancelled and not paid out in the event of a claim.

Whilst applying you'll need to provide certain information so it's a good idea to have the following to hand:

  • details of your medical history including dates and the names/dosage of any medication
  • up to date height and weight measurements
  • your dress/trouser size
  • details of your immediate family's medical history

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