"You can skip the medical exam, but that doesn’t mean skipping the questions.
Insurers will still ask about your health and lifestyle, so being honest ensures your policy pays out when your loved ones need it most."
No medical life insurance can be split into two categories:
If you’re considered low-risk by insurers, you could get term life insurance without the need for a medical exam. Here's what's this type of policy includes:
You’ll need to answer medical questions during the application process
If you’re aged 50 – 85, you can buy an over 50s plan with guaranteed acceptance. You won’t need to give any medical information and you won’t need to take a medical exam. Here's some more useful information about this type of policy: