Complete Financial Questionnaire

No Medical Life Assurance – How To Avoid A Medical

no medical life assurance

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.

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 | Specialist Life Insurance Advisors

Free 5 Email Crash Course

Who wants a simple guide to life insurance?
  • This field is for validation purposes and should be left unchanged.


Get in touch

057 93 20836

Ask a question


Don’t know where to start?

Have a nose through our free life insurance guides

View our guides

Life Insurance Quotes - Free and Easy!

As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

Watch our video