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No Medical Life Insurance, Guaranteed Acceptance
Been declined for life insurance? Have health conditions that make applying difficult? No medical life insurance guarantees acceptance with zero health questions, so your family is protected no matter what.
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What Is No Medical Life Insurance?
No medical life insurance, also called guaranteed acceptance life insurance, is a type of whole of life cover that requires absolutely no health questions, no medical examinations, and no access to your GP records. If you are within the accepted age range (typically 50 to 85), you are guaranteed to be accepted regardless of your health history.
This type of cover is specifically designed for people who may struggle to get standard life insurance, including those who:
- Have been declined by other insurers due to serious health conditions
- Have multiple pre-existing conditions that make underwriting difficult or expensive
- Want to avoid the stress of answering detailed health questionnaires
- Need guaranteed cover for funeral costs or to leave a small inheritance
Because the insurer accepts everyone without assessing individual risk, no medical policies come with certain trade-offs. Cover amounts are typically limited to between £1,000 and £25,000, premiums are higher than standard policies, and there is usually a moratorium period of 12 to 24 months during which only accidental death is covered.
If you are in reasonable health and able to answer health questions, a standard underwritten policy or simplified underwriting policy will almost always offer better value. No medical cover is the option of last resort, but for those who need it, it provides irreplaceable peace of mind.
No Medical vs Simplified vs Fully Underwritten
Understanding the different levels of health assessment helps you choose the right type of life insurance for your situation.
| Feature | No Medical | Simplified | Full Medical |
|---|---|---|---|
| Health questions | None at all | 5–10 basic questions | Full medical questionnaire |
| Medical exam | None | None | May be required |
| GP report | None | None | Usually required |
| Acceptance | Guaranteed for all | Most applicants accepted | Depends on health |
| Maximum cover | £1,000–£25,000 | Up to £150,000 | Unlimited |
| Moratorium period | Yes, 12–24 months | No | No |
| Policy type | Whole of life only | Term or whole of life | Term or whole of life |
| Premium cost | Highest | Moderate | Lowest (if healthy) |
| Best for | Declined elsewhere or | Minor conditions or quick | Healthy applicants wanting |
Always try simplified or fully underwritten cover first, you may be surprised at what is available even with health conditions.
Who Benefits from No Medical Life Insurance?
Guaranteed acceptance cover is designed for people who face barriers to getting standard life insurance.
Declined Due to Health Conditions
If you have been turned down by standard life insurers because of conditions like cancer, heart disease, or diabetes, no medical cover guarantees you will be accepted, no questions asked.
Over 50s Wanting Quick Cover
If you are over 50 and want life insurance set up quickly without the hassle of medical assessments, GP reports, or lengthy application forms, no medical cover can be arranged in minutes.
People with Multiple Conditions
Having several health conditions simultaneously can make standard underwriting very difficult. With no medical cover, the number or severity of your conditions is completely irrelevant to your application.
Those Who Dislike Medical Questions
Some people find detailed health questionnaires stressful or intrusive. No medical life insurance removes this barrier entirely, you simply provide your name, age, and the cover amount you want.
Covering Funeral Costs
With the average UK funeral costing around £4,295, no medical life insurance is a popular way to ensure your family is not left with this financial burden. A policy of £5,000–£10,000 provides meaningful cover.
Those with a Terminal Illness
If you have been diagnosed with a terminal illness and cannot obtain cover through any other route, no medical life insurance is typically the only option available. The moratorium period still applies, so acting sooner is important.
Not sure if you need no medical cover? Get expert advice first.
An FCA-regulated adviser can check whether you qualify for standard cover before recommending guaranteed acceptance, potentially saving you hundreds of pounds a year.
Get a Free Quote →How Much Does No Medical Life Insurance Cost?
Premiums are higher than standard life insurance because the insurer accepts everyone without assessing risk. Here are typical monthly costs for no medical whole of life cover.
The older you are when you apply, the higher your premiums will be. Premiums are fixed at the point of application and never increase, so applying sooner rather than later locks in a lower rate for life.
How It Works
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What Our Customers Say
I have COPD and type 2 diabetes, so two insurers turned me down. Through Lifecoverfor.com I was matched with a guaranteed acceptance policy for £10,000. It took about 10 minutes to set up. Such a relief for my family.
At 72 I didn't want to go through lengthy medical assessments. The adviser explained the moratorium period clearly and helped me choose a £7,500 policy to cover my funeral and leave a little for the grandchildren.
I assumed I'd need no medical cover because of my blood pressure medication. The adviser checked and actually got me a standard policy at half the price. Honest service, they didn't just push the most expensive option.
At 68, I have had two heart attacks and knew standard insurance was off the table. The adviser set me up with £8,000 of guaranteed acceptance cover for £22/month. No health questions at all. My wife can now stop worrying about funeral costs.
I was confused about the waiting period on no medical policies. My adviser explained that after 24 months, I'm fully covered for any cause of death. Before that, accidental death is still covered and premiums are refunded if the worst happens. Really clear and honest advice.
Prostate cancer, diabetes, and a stent, I'd been declined three times by different insurers. The guaranteed acceptance policy doesn't ask a single health question. Got £15,000 of cover and it's written in trust for my daughter. Finally have peace of mind at 74.
Related Guides
Explore these guides to understand your options and make an informed decision.
No Medical Life Insurance: Frequently Asked Questions
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