Get life insurance with no medical exam required [2026]
Yes, you can get life insurance with no medical. In most cases, a medical exam isn't required when you apply for life insurance.
However, whether you qualify for life insurance without a medical will depend on your personal circumstances, how much cover you want to purchase and the policy type.
In this guide, we explain how it's possible to get life insurance without a medical and answer your key questions.
What is no medical life insurance?
No medical or no medical examlife insurance refers to any type of life insurance that doesn't require you to undergo a medical exam as part of the application process.
For example, it could refer to a standard life insurance policy (such as term life insurance) which is often available with no medical exam - particularly if you're in good health, don't smoke and have a healthy BMI.
Or no medical life insurance could also refer to a policy that offers cover without any medical questions or exam, better known as an over 50s plan or guaranteed life insurance.
You may consider an over 50s plan if you're a UK resident aged 50 - 85 and have found standard life insurance too expensive or difficult to obtain due to your medical history.
We outline the different types of no medical life insurance in more detail below.
How much is life insurance with no medical?
Life insurance with no medical starts from just 20p-a-day through LifePro.
However, the exact price you pay will depend on your personal circumstances and the policy you choose.
Term life insurance cost
For standard life insurance policies, the cost of your monthly premium is determined by a range of factors, including:
Life insurance [no medical] calculator
Use our simple calculator to calculate how much life insurance you may need based on which costs you would like it to cover. If you have death in service benefit or any savings, then this may lower the level of cover.
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:
- Outstanding mortgage balance
- Other debts and loans
- Income replacement for your family (typically 5-10 years of salary)
- Children's education costs
- Funeral expenses (typically £4,000-£10,000)
- Any specific financial goals for your dependents
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 free comparison tool to get personalised quotes from 50+ UK insurers, including Life Insurance No Medical, and find the right level of cover for your needs at the best available price.
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Buy life insurance online [no medical exam] from 20p-a-day
Using the services of afee-free life insurance broker, such as LifePro, can assist you to find the right life insurance to suit your circumstances and budget.
Most people can get immediate quotes online by clicking through to our buy online service, but if you have any questions, we also offer telephone support.
Other reasons to use us:
