Compare guaranteed-acceptance life insurance with no medical examination, including the cover, exclusions, qualifying periods and premiums.
Guide to guaranteed-acceptance life insurance. Some products do not require a medical examination or health questionnaire, but acceptance remains subject to the provider's stated age, residency and other eligibility criteria. Check cover limits, qualifying periods, exclusions, premiums and policy terms.
By: LifePro Protection Team · Updated: 5th January 2026
Run a Free Quote Comparison »Guaranteed-acceptance life insurance is generally designed for older applicants, subject to each provider's current age, residency and other eligibility criteria.
You pay a premium for cover intended to remain in force for life, provided premiums are maintained and the policy terms are met.
Some products do not ask medical questions, but check the current application and eligibility requirements before applying.
Acceptance remains subject to the product's stated eligibility rules. Qualifying periods, exclusions and limits may apply before the full benefit is payable.
Find the right policy to suit your needs and budget by comparing over 50s life insurance with no medical through LifePro.
complete the costs you would like your policy to cover and calculate how much guaranteed over 50 life insurance you may need.
The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.
Consider the following when calculating your life insurance needs:
For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).
Use our comparison service to compare available policies, premiums and cover from a wide range of UK insurers.
Run a Free Quote Comparison »Premiums and cover amounts depend on the provider and the applicant's circumstances.
The exact cost will depend on the insurer and your personal circumstances.
Your monthly life insurance premiums will be determined by:
Guaranteed-acceptance life insurance is generally offered to older applicants without medical underwriting, subject to the provider's current eligibility rules. Cover remains subject to qualifying periods, exclusions, premium payments and other policy terms.
Age, residency and other eligibility criteria vary by provider and product. Check the current application requirements, cover limits, qualifying period and exclusions before applying.
Premiums depend on age, chosen cover and the provider's current pricing. Request a personalised quote and compare the total potential premiums, cover, qualifying period and policy terms.
A qualifying period may apply before full cover begins. Check its length, how natural and accidental death are treated during that period, and what amount would be payable under the current policy terms.
Suitability depends on your circumstances and the options available. Compare guaranteed-acceptance and medically underwritten policies, including eligibility, cover, qualifying periods, exclusions, total potential premiums and policy terms.
Acceptance is subject to the product's current age, residency and other eligibility criteria. Check the application requirements and policy terms directly with the provider.
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Compare guaranteed-acceptance products from UK insurers, including eligibility, cover limits, qualifying periods, exclusions, personalised premiums and policy terms.
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