Does Non-Medical Life Insurance Exist?

Applying for life insurance can make a huge difference to your family in the long run, but choosing the right policy may sound confusing at first. Many people looking for life insurance are also under the impression that they may need to answer excessive amounts of questions about their medical history in order to obtain the right cover.

When you apply for life insurance, providers need to determine how much to charge you for your monthly premiums. They usually do this by assessing how much of a risk you are, which can relate to your age, health and other lifestyle factors. If you are deemed to be high risk and have a bigger chance of becoming ill or passing away, you will likely be charged higher premiums.

Some insurance providers will ask you to undergo a medical, in order to gain a better understanding of your overall health. This can sound a little daunting, which is why many people try to find non-medical life insurance.

Can I get non-medical life insurance?

During the application process for life insurance, you will likely be asked a number of simple questions about your lifestyle. This can include your gender, age, height and weight. In some cases it will also include your family medical history, occupation and whether you smoke.

The answers you give will help the provider to gain a picture of your risk level. If you have had previous illnesses or you smoke, you may be asked to undergo a medical before you can get insurance cover. It is important that you are honest in giving your answers.

If is there is no history of illness and you are generally in good health, you will likely be given life insurance without a medical. This means you will not be asked to undergo further medical checks; this is what people tend to understand as non-medical life insurance.

You still need to answer medical questions no matter what, but you will not need to visit your doctor for further tests to demonstrate your health.

What does it mean if I need a medical?

If you are asked to undergo a medical before being granted cover, it does not mean you will be rejected for life insurance. Having a medical can mean the provider is able to assess your application in more detail. It can also help them to provide the most accurate monthly premium based on your individual needs.

Needing a medical is usually decided on a case-by-case basis, and only some people will be asked; often if you have a more complicated health background.