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No Medical Life Insurance

Get life insurance without needing a medical

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Compare life insurance quotes from 14 leading providers

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:

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Why do life insurance providers need a medical?

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.

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Can I get life insurance without a medical?

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.

  • 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 

  • Guaranteed over 50s policy

    Depending on your age, you can consider a guaranteed or over 50s policy which will offer cover without a medical

What type of cover can I get?

There are various types of life insurance cover you can get depending on your needs including:

  • Level term

    A policy designed to run for a specific amount of time

  • Over 50s

    Guaranteed life insurance policy for those aged over 50

What medical questions will I be asked?

You will be asked a range of medical questions to do with you and your lifestyle including:

  • Smoking or vaping habits

    You will be asked how often you smoke and includes whether you have smoked e-cigarettes, vapes or regular cigarettes.

  • Height and weight

    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.

  • Family medical history

    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.

  • Drinking habits

    Similar to smoking, you will be asked whether you drink alcohol, how often you drink and what type of alcoholic drink is your preference.

  • Medical help

    Have you ever used any recreational drugs or had any medical professional advice or support you with drug, alcohol or narcotics use?

  • Pre-existing conditions

    It is important to disclose is you have any pre-existing medical conditions to your insurance provider or a future claim may be denied.

Neal Cross

Our expert says


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.

- Neal Cross, Life Insurance Expert

What factors affect my premium

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:

  • Your age

    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

  • Health

    Health and lifestyle affect your lifespan, so they also affect your life insurance. Having a healthy lifestyle can reduce the cost of your policy

Why compare life insurance with MoneySuperMarket?

Our mission is to help you super save, making it easy to find great life insurance deals all in one place.

  • Get covered immediately

    80% of our customers have the option to ‘buy now’, without medical exams or additional documentation, for the price quoted

  • Deals tailored to you

    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

  • Super Save with us

    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?

We're 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.

of our customers would buy again
based on 356 reviews

Good Points: A seamless process and easy to understand. Improvement Points: N/A
Pros: Super easy, much much easier than I had anticipated and insuring for large amounts was a lot cheaper than I thought also. Cons: no
Pros: Just simple quick.. no contact trying to upswell the product like a lot of companies

What should I consider before buying?

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    Being honest on your application

    If there are some inconsistencies in your policy, it may lead to your policy being invalidated.

  • Tick

    Check your policy meets your needs

    It's important to ensure your cover type and level of cover meets your needs.

  • Tick

    Compare deals

    Be sure to use our price comparison tool to ensure you are getting our most competitive prices.

  • Tick

    Choose a cover you can afford

    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.

  • Tick

    Any debts or a mortgage

    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.

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    Putting your policy in trust

    Putting your policy in trust can ensure that any pay-outs made on your life insurance policy will not be subject to inheritance tax.

How to compare Life insurance with MoneySuperMarket

  • Tell us about yourself

    Answer some questions for us about you, your medical history, and the level of protection you want which we can match to policies.

  • We’ll fetch our best quotes

    We have some of the top UK providers on our panel for you to choose from. Browse deals ordered by lowest premium.

  • Choose the deal you want

    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.

Need to speak to someone about life insurance?

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

Lifesearch logo - phone on 0800 197 3178

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.