Non-Medically Underwritten Cover

There are options for financial protection cover that does not require any medical questions.

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Non-Medically Underwritten Policies


These policy types differ from life insurance and life insurance without a medical. Non-medically underwritten applications do not base their offer on your health disclosures, and most do not ask any medical related questions. Cover can be an Over 50’s policy, a Multi-protect policy or a life insurance policy that will simply exclude cover for an illness you may have or have had - for example cancer. These are great options for those who may not be eligible for Life Insurance. A multi-protect policy is also very popular for active families or families with young children to run alongside their medically-underwritten life insurance policy.

Over 50’s Policies

An Over 50’s policy is a great option for those who are age 50 or over, are looking to leave a lump sum behind for family or to contribute towards their funeral costs and are not eligible for Life Insurance as a result of their health and/or lifestyle.

As you get older, it can be more difficult to secure financial protection in the form of standard life insurance, this can be as a result of your health. Over 50’s is a really great option in this case.

However, if you are age 50 or over, you may still be eligible for standard life insurance. One of our protection advisors will be able to discuss your options with you. You can also read about the difference between Over 50’s and Standard Life Insurance here.

Multi-Protect Policies

A Multi-protect policy is a fantastic alternative to standard life insurance. This option is great not only for those who may not be accepted for underwritten or standard life insurance and are looking for an alternative to life insurance without medicals, but it is also a great policy for active lifestyles and those who have young children. Customers often look to set up a Multi-Protect policy to run alongside their standard life insurance.

Multi-Protect policies cover a plethora of areas such as; Broken bones, hospitalisation, funeral contributions, accidental death and total permanent disability. You also have options to add childrens cover, active lifestyle cover and healthcare cover to your policy.

As this type of policy does not take into account your health, prices are already set, you can simply choose a monthly premium that is affordable to you and your level of cover will match.

Other Non-medically Underwritten Policy Options

Here at Caspian we have access to another form of non-medically underwritten life insurance. A simple, guaranteed acceptance policy that does not require medical questionnaires or screenings with your GP/nurse.

This type of cover will simply exclude or will not cover you for any current or recent illness. For example you have recently overcome cancer, this would be a great policy option for you, helping you to still provide some financial protection for your loved ones should you pass away during your policy term from something other than cancer.

Cover is open for customers ages 18-55 and covers you up to a maximum age of 72*

Our advisors are on hand to explain these policies to you, in simple, jargon-free language; ensuring that you understand your options clearly.

How to get Non-medically Underwritten Cover

The application process for non-medically underwritten policies are quick and stress-free. As the providers do not need to know your medical history, it is simply a case of choosing which cover amount and premium is best suited to you, and filling in some basic information.

It’s important to speak to a specialist before applying, to ensure that this type of policy is the best suited to your family and your needs. Often customers with existing medical conditions are still eligible for standard life insurance which may be better suited to them.

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. Our aim is to make the process easy to understand and as stress-free as possible.

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.