It is possible to obtain life insurance without having to attend GP / nurse medical screenings. In fact, over a 6 month period, only 1.25%* of our customers were asked to attend a medical screening as part of their life insurance application.
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Life insurance applications that do not require medical screening for the provider are often referred to as ‘non-medical life insurance’ or ‘non-medical term life insurance’.
When applying for life insurance, you will be asked a number of simple questions about your health and lifestyle. These questions will include whether you or your immediate family have suffered from any medical conditions. This is to help the insurance provider gain a better picture of your health, which can help to determine how much of a risk you might pose.
Depending on your current health condition(s), the insurance provider may ask you further questions, require a report from your GP, ask you to undertake a medical examination or you may be offered cover straight away. If the provider is happy to accept your application following your initial medical questionnaire, this is often referred to as non-medical term life insurance.
When answering medical questions during the application process, it is important to be honest. This is because insurance providers need to build an accurate picture of your health and the risk you present to them. This helps the provider to understand how much to charge you for your insurance policy. If the information provided is not accurate, it could lead to a claim being rejected or not paid in full. We always recommend speaking to an advisor when completing your medical questionnaire. A specialist advisor can guide you through the wording to ensure that you understand what the provider is asking. This helps you to ensure complete accuracy.
It’s important to know that even if you have or have had previous medical conditions, it does not necessarily mean you will be refused cover. Some providers also specialise in covering certain illnesses’, an advisor can let you know where you are best applying.
There may be some instances where the insurer requires additional information before being able to offer cover. This might include a physical medical examination or obtaining a report from your GP. The insurer will use this information to help them determine your risk and how much to charge you. However, if you are in good health, it is unlikely that you will be asked to undergo further medical questions or be required to undergo a physical examination. The insurance provider will likely offer the terms of cover straight away, and they will not ask you to undergo any further examinations or checks following the initial health and lifestyle application. This may be referred to as non-medical life insurance.
It is possible to obtain financial protection without answering any medical questions. This is known as a non-medically underwritten policy. This type of policy differs from non-medical term life insurance and provides a different type of financial protection than life insurance. You might opt for a non-medically underwritten policy if you would not otherwise qualify for a medically underwritten life insurance policy, due to previous health issues. You can read more about non-medically underwritten policies here.
Your health and lifestyle factors have a big impact on your life insurance policy. If an insurer considers you to be at low risk of developing any or further health problems, they are usually happy to provide cover, without needing any more details other than the initial questions you answered during the application process. It is therefore important that you provide as much relevant information as possible concerning your physical & mental health and your lifestyle. With life insurance, honesty is always the best policy.
If you have or have had previous health problems, it does not mean you will be refused life insurance. It simply means the insurer might require more information to further understand your current health and to make sure that they offer you the right cover.
At Caspian Insurance, we can work with you to understand your needs and help you through the application process, no matter what your health background consists of. We are here to make sure you get suitable cover for the right price, giving you peace of mind that you and your family are protected.
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** Premiums and payout based on a healthy non-smoker who is an office worker and doesn't have a hazardous lifestyle up to the age of 65. The premium shown is based on Aviva's Income Protection + Plan and is subject to a full underwriting process. Prices are correct as of January 2022.
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This calculator is for informative purposes only and is not to be taken as financial advice, for accurate financial advice please consult with an advisor from Caspian Insurance.