See if you can get life insurance without a medical check

Not all life insurance providers require a medical check in all cases

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Many people assume that when you attempt to take out a life insurance policy you will automatically be required to undergo a medical. However this is not always the case, it depends upon your own personal situation and upon your insurer. There are varying circumstances under which you may well be subject to a medical examination before you take out a life insurance policy.

In This Guide:

Does life insurance require a medical check?

Applying for life insurance is a process that will require quite a lot of information. Your insurer will want to know about your lifestyle and your general health before they agree to insure you and before they give you a comprehensive life insurance quote. That being said, not all insurers will ask everyone to undergo a full medical before they agree to cover them. There are a few questions that every insurer will ask you such as whether you are a smoker or how much alcohol you drink. Only some people will be required to go for a full medical examination when applying for life insurance.

Most insurers will ask you for permission to speak with your doctor so that they can get a broad overview of your medical history. This is normally the most information that your insurance company will require from you but if you have a more complicated medical background, then you may be required to undergo a more detailed medical examination. This medical examination will be carried out by a qualified doctor and insurance companies will normally try and arrange it at a location near to you.

Who needs a medical check to get life insurance?

There are a few reasons why a prospective insurer might require a medical check before offering you a policy:

  • If you've had a policy refused in the past, your new insurer will probably request a medical check just to make sure they understand why
  • If you've disclosed any pre-existing medical conditions, or any hereditary conditions in your family, a medical check will be required
  • If you've lived abroad for a long period, there's a chance your insurer will request a check, depending on the country in question

Related guides

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Last reviewed: 1 October 2021

Next review: 1 November 2021