Unsure as whether you can get life insurance due to your health? Or are you looking for that extra bit of protection without the medical questionnaire? If you are looking to protect yourself and these reasons apply to you, you could set up a policy that does not require any medical underwriting.
A Non-Medically Underwritten Policy, also known as No Physical, No Health-Exam, and No Medical Policy, allows you to skip the process of being medically examined. When taking out regular life insurance, most providers require you to answer a series of questions about your health and family medical history; they can also ask you to take a medical exam if you have previous health conditions. This is known as a Fully Underwritten Life Insurance Policy. Providing this level of detail can pose a number of problems if you are not in great health as it can increase costs and lengthen the process. The provider will compare your results with their medical underwriting criteria to assess whether they can offer cover and the level of premiums you will pay. A Non-Medically Underwritten Life Policy can be approved on the very same day, so you will have peace of mind that you are protected straight away. With a Non-Medically Underwritten Policy, you can choose the amount of cover that you would like. This type of cover comes with fantastic benefits such as:
You can also add your children onto the policy. This can protect them for a multitude of things, including a Cancer benefit which pays out up to £25,000 should your child be diagnosed with a specific form of Cancer.
Please note that the descriptions above do not constitute as financial advice and may change dependent on individual circumstances and budgetary requirements. For quick and easy quotes, please get in touch on 0161 241 6146 and one of our friendly and knowledgeable advisors will be able to help.
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