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No Medical Life Insurance

no medical life insurance

Today, I took a call from a lady.

Nothing strange about that, ladies call me all the time.

She wanted life insurance.

But there was one condition.

It had to be no medical life insurance.

She made no bones about it.

She wanted life cover but wouldn’t do a medical exam.


Usually there are two reasons why people don’t want to do a medical:

  • They’re in good health but are afraid of what a medical report may show.
  • They’re in poor health but have not yet got an official diagnosis…and don’t want one, knowing it will increase their premium.

But this lady had a third reason…

She just didn’t like her GP!

So, why don’t you move to a new GP I asked her

Ah, I don’t want to let him down. He’s the family GP, has been for years…

Anyway, none of my business, I’m sure it’s a common story in a lot of close-knit towns in Ireland.

Fortunately for this lady, she didn’t need to do a medical exam and I’ll explain why….

No Medical Life Insurance

When it comes to getting life insurance without a medical, you have two choices:

1. Over 50s Life Insurance:

This is a special type of insurance for those who want cover without underwriting.

If you’re over 50 you simply complete an application form and you will be automatically accepted for life cover regardless of health.

If you’re terminally ill, you can get cover.

Irish Life used to offer this product though brokers but not anymore so I’m afraid your journey with me ends here.

An Post can help.

Remember the policy is only suitable if you have serious health issues (e.g having treatment for cancer) which means you can’t get normal life cover.

If you’re in poor health you can still get cover with us. Keep reading…

2. Term Life Insurance

Applying for a life insurance policy doesn’t automatically mean you have to go for a medical.

Applying for a life insurance policy doesn’t automatically mean you have to go for a medical!!

In fact if you’re in good health, you won’t have to do a medical exam.

90% of the time insurers are willing to offer cover based on a combination of:

  • Application form
  • Health questionnaires
  • Medical report from your GP

But there are a few occasions that you can’t swerve a medical exam:

  1. Serious health issues
  2. Non medical limits
  3. High BMI

1. Serious health issues

If you have had a serious health issue and your GP doesn’t have up to date information, you will need to do a medical exam.

2. What are non medical limits

Non medical limits is industry speak describing how much life insurance you can apply for without triggering a request from the insurer for further medical information.

You see the more insurance you buy, the more risk for the insurer if there is a claim.

Each insurer has varying non medical limits so be very careful when choosing which life insurance company to apply to.

Choose the correct one and they will accept you just by completing an application form.

Choose the wrong one and you could be put through the hoops with questionnaires, medical reports, nurse screenings and medical exams.

3. High BMI

As a rule of thumb, if your BMI is over 35, the insurer will request you attend for a nurse medical.

Here a nurse will visit you and take your height/weight and other readings.

How to know if you’re overweight for life insurance

Over to you

So you see, you probably won’t have to do a medical exam.

No need to worry about getting prodded and poked.

But make sure you apply to the insurer with the highest non-medical limits as mentioned above.

If you’d like me to make a recommendation on the types of cover you should consider based on where you are in life, please complete this questionnaire and I’ll be right back.

Chat you then!

Nick McGowan | making life insurance easier.

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