Updated: October 15, 2019

Whole of Life Insurance With no Medical Exam or Health Questions

Do you need a medical for a Whole of Life insurance policy? Read on to find out more.

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Pete Mugleston

Author: Pete Mugleston - Mortgage Expert

Updated: October 15, 2019

When we apply for life insurance it’s usually accepted that we may have to divulge personal information about our general health, lifestyle and medical history in order for a provider to assess any risks involved. But, does this always have to be the case?

In this article we look at the circumstances where whole of life insurance policies can be put in place with no need for either a medical exam or completion of any health questions.

If you’re explicitly seeking whole of life insurance cover, ideally, with no requirement for medical exams or to submit any health questions, give us a call on 0808 189 0463 or make an enquiry so we can arrange for an expert to get in touch.

They’re fully qualified to help identify policies and providers that cater for such needs and speaking to them won’t cost you a penny.

Can I take out whole of life insurance without a medical exam?

Yes, this is certainly possible. There are a number of factors which will determine whether an insurer will ask you to attend a medical examination and in many cases it isn’t required.

In order to assess the potential risk they are taking for a standard whole of life policy, insurance providers at the very least need to review the following:

  • Your general health (weight, exercise activity, alcohol intake, smoker/non-smoker etc)
  • Your age and sex
  • Your medical history (including your family)
  • Your occupation

The criteria as to whether a medical examination is necessary will vary depending upon each insurer but in general, if you’re application indicates you:

  • Are in good health and regularly exercise
  • Are a non-smoker who drinks alcohol in moderation
  • Have no adverse medical history
  • Work in a job categorised as a low risk occupation

There’s a strong chance no physical or medical exam will be required for a whole of life insurance plan to be approved.

You’re more likely to be asked by a whole of life insurance provider to attend a medical exam if:

  • The amount of cover you’ve requested is considered high value by your insurer
  • You have disclosed details of a medical condition (either historical, hereditary or current) on your application
  • You have been refused cover previously
  • Your provider has concerns regarding the general health information you’ve submitted
  • You have lived overseas for a number of years

Is it possible to receive whole life insurance premium quotes with no medical exam requirements?

If you’re simply looking for standard whole life insurance quotes from a variety of providers at this stage, it’s most likely no request for a medical exam will be forthcoming.

However, if you decide to proceed with any cover, the answers you provide on the subsequent health questionnaire may prompt the necessity for a medical examination, in line with the insurer’s internal criteria.

If you have genuine concerns regarding a medical exam which is preventing you from applying for life insurance, the best thing to do is to speak with an expert and outline your reasons so they can identify a solution for you.

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Can I take out whole of life insurance without answering any health questions?

Most providers do require, as a bare minimum, certain health questions are submitted as part of the application process. But, what if you’re already receiving treatment for an existing condition or would simply prefer not to disclose your medical information?

The good news is there are a select few insurers willing to offer guaranteed acceptance for whole life insurance with no obligation to provide any health questions or medical exam.

Any whole of life policy that provides such guarantees is likely to be more expensive than standard cover and is typically available within a specific age range (usually up to a maximum of 70 years old).

By completing a health questionnaire, the range of life cover options available to you will be far wider allowing you to find a policy which may be much cheaper and more suitable for your needs.

This is where we can help. If you get in touch we can arrange for an advisor we work with to help you compare standard policies with those that guarantee life cover without providing your medical information.

You can then make an informed choice that best suits your own personal requirements.

Speak to a whole of life insurance expert

The experts we work with have an in-depth understanding of all the different types of life insurance available in the market and can help you identify solutions that suit your needs, as well as save you time and money.

All advice is free and you’re under no obligation to make a purchase. Give us a call on 0808 189 0463 or make an enquiry to get started.

Ask a quick question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in whole of life insurance. Ask us a question and we'll get the best expert to help.

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Pete Mugleston

Pete Mugleston

Mortgage Expert

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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