Option to buy now
If you are young and healthy with no conditions you may be offered the option to ‘buy now’ that wouldn’t require a follow up medical
Get life insurance without needing a medical
We’re dedicated to helping you get the right policy, to give you and your family the peace of mind you deserve. That’s why we work with 14 leading life insurance providers, including:
You may be surprised to hear that a medical is not always needed when taking out a life insurance policy.
While most people who apply for cover won't need a medical, everyone's applications are looked at individually, and if you are asked for a medical, this just means your insurer would like to learn more about your health risks and history while assessing your application.
Insurers ask for a medical so they can get more information about any current or previous treatments you've had and any medical conditions in your family. If you are asked for a medical, this des not mean your application won't be accepted.
Yes, it is possible to get life insurance without a medical but it depends on the individual, their medical past and any hereditary conditions that run in your family.
If you are young and healthy with no conditions you may be offered the option to ‘buy now’ that wouldn’t require a follow up medical
Depending on your age, you can consider a guaranteed or over 50s policy which will offer cover without a medical
There are various types of life insurance cover you can get depending on your needs including:
A policy designed to run for a specific amount of time
A policy that decreases its pay-out as you pay off your debts
Guaranteed life insurance policy for those aged over 50
You will be asked a range of medical questions to do with you and your lifestyle including:
You will be asked how often you smoke and includes whether you have smoked e-cigarettes, vapes or regular cigarettes.
You will be asked to provide you height and weight details as your BMI can indicate many different things about your overall heath to an insurance provider.
There are many serious illnesses including cancer that can be hereditary. You will be asked if any of your family members have suffered from a range of hereditary illnesses.
Similar to smoking, you will be asked whether you drink alcohol, how often you drink and what type of alcoholic drink is your preference.
Have you ever used any recreational drugs or had any medical professional advice or support you with drug, alcohol or narcotics use?
It is important to disclose is you have any pre-existing medical conditions to your insurance provider or a future claim may be denied.
"Applying for life insurance when you’re young and healthy can mean lower premiums for the entire duration of your policy. If you are a high risk to insure, with MoneySuperMarket there are still options for you to get a life insurance policy, although it’s important to be aware of the differences and check the level of cover you need.
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Life insurance is priced differently for everyone based on your personal details and the options you choose for your policy. Factors that affect the price of your premium include:
The older you are, the more expensive life insurance tends to be. To insurers, the older you get, the greater chance of developing health problems
If you drink often and you smoke cigarettes or vapes, it will affect your premiums
Health and lifestyle affect your lifespan, so they also affect your life insurance. Having a healthy lifestyle can reduce the cost of your policy
A high-risk occupation or hobby can pose great risk to your life therefore increasing your premiums
Our mission is to help you super save, making it easy to find great life insurance deals all in one place.
80% of our customers have the option to ‘buy now’, without medical exams or additional documentation, for the price quoted
We ask all the right questions to match policies to your exact needs, and our large provider panel to choose from means you have a great chance of finding cover that’s right for you
Over the last 3 years, MoneySuperMarket have helped over 125,000 customers find great deals3 on their life insurance. Why not get quotes from us and see how much you could save?
If there are some inconsistencies in your policy, it may lead to your policy being invalidated.
It's important to ensure your cover type and level of cover meets your needs.
Be sure to use our price comparison tool to ensure you are getting our most competitive prices.
Whether you aim to pay your premiums annually or monthly, it is important to choose a cover that you are able to keep up payments to.
If you have any outstanding debts or a mortgage that will be passed to a loved one, you may want your life insurance pay-out to cover that.
Putting your policy in trust can ensure that any pay-outs made on your life insurance policy will not be subject to inheritance tax.
Answer some questions for us about you, your medical history, and the level of protection you want which we can match to policies.
We have some of the top UK providers on our panel for you to choose from. Browse deals ordered by lowest premium.
Once you’ve found the policy that’s right for you, all it takes is a click for you to buy your policy today for the price you see.
We’ve partnered with LifeSearch to give people even more guidance when buying life insurance. If you’d like some help deciding what kind of cover you need, talk to LifeSearch free of charge. Give them a call on 0800 197 3178.
Opening hours are:
Monday to Friday 8am to 8pm
Saturday 9am to 2pm
Sunday 10am to 3:30pm
If you are deemed as a lot risk and taking out life insurance, it is unlikely that you will need a medical regardless of how much cover you take out.
The main reasons you will not be asked for a medical is because you have taken out guaranteed insurance or you are considered a low risk to your insurance provider. If you are over 50, it's likely that there will be a limit however, if you are a low risk to your insurer, it's unlikely that you will have a cover limit.
A medical exam usually involves detailed questions about your health and lifestyle by your doctor and will include full body examination including your heart, blood pressure and a urine test. It's likely that it will be similar to an examination you've had in the past, generally it's not something to worry about.
Your life insurance provider can only access your medical records with your permission. If you have not given them authorisation to look at your personal records, they cannot. However, if you don't give your chosen insurer permission when they ask for any medical records for your policy, your policy application may be declined.
It is also important to disclose any important information regarding your health to your insurer as failing to disclose information honesty may result in your policy getting rejected or invalidated.
Over 50s plans are great option for some. If you are aged between 50 and 85, these policies may work for you as they do not require a medical and they have a guaranteed pay-out.
It is important to understand exactly what your policy offers, your pay-out amount and under what conditions your pay-out will be given to decide whether and over 50s life insurance policy is right for you.
Medical underwriting refers to the use of your medical information in order to evaluate your life insurance application. This decides whether your insurer will accept it and, if so, at what premium rate.
You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.
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So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.
You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.
