No medical exam
Life insurance without the medical
Skip the appointments. Many UK insurers now offer cover based on a short set of health questions — with no medical exam or blood test.
How it works
You answer a short health declaration when applying. The insurer reviews your answers and either offers cover, asks a few follow-up questions, or refers you for a GP report.
Who is it best for?
- Anyone in generally good health who wants cover in place quickly.
- People with busy schedules who don't want to book a nurse visit.
- Those looking for smaller amounts of cover.
Be honest on your declaration
Skipping the medical doesn't mean skipping the questions. Answer them accurately — insurers can decline a claim if a policy was taken out based on incorrect information.
Ready to protect what matters most?
Compare life cover from leading UK insurers. Takes about two minutes — no obligation.