No Medical Life Assurance – How To Avoid A Medical

An apple a day keeps the doctor away
(as does choosing the right life insurance company)

This tip will save you time when buying life insurance

To apply for life insurance, the first thing you must do is fill in the application or proposal form.

You answer some health questions.

The life insurance company will accept, postpone or decline you based on the answers you give.

The good news is that 80% of people are accepted immediately on the basis of the application form alone.

This is known as no medical life assurance.

Unfortunately for the other 20%, there is still a bit of work to do.

Depending on your age, health and the amount of life insurance you are applying for, one or more of the following may be requested by the life insurer.

• a medical report from your GP
• blood tests
• medical exam with your GP
• independent medical exam

How Do I Get A No Medical Life Assurance Policy?

You have to choose your life insurance company wisely.

New Ireland may approve a €500,000 no medical life assurance policy based on an application form alone.

But Irish Life may insist on a medical exam to approve the same level of cover.

All other things being equal, we would recommend you apply to New Ireland in this case because New Ireland has a higher non medical limit.

You will get a faster decision by applying to the insurer with the highest “non medical limit”

The life insurance companies change their non medical limits regularly. This means today New Ireland might be best but tomorrow it could be Irish Life.

If you would like to know which insurer is best at the moment for no medical life assurance, please complete the short form below or call me directly on 05793 20836.

Further reading | How to pass a life insurance medical exam

Nick McGowan
lion.ie | Specialist Life Insurance Advisors