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Life insurance - do you have to have a medical

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180

Posts

EW NEWBIE

Latest post on 29 March 2011 - 10:09

Just agreeing with the others, it really depends on your medical history and your life cover - the higher value it is the more likely they are to ask. It is pretty easy though, so nothing to worry about. Just make sure you do go ahead with it, it is worth it.

33

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EW NEWBIE

Latest post on 28 March 2011 - 20:30

If you are taking a relatively low cover, some insurers do not require a medical. In saying this, these insurers generally do not give the best quotes for life cover. If you would like any more info without posting all of your requirements on here let me know, as I am a broker.

gleekfamily24043

481

Posts

EW EXPLORER

Latest post on 28 March 2011 - 17:40

Thank you, gleekfamily - I know it makes sense for the insurance co, but I was hoping to avoid! My husband's medical was accepted by the life. ins. co., but it was I think less than 3 months old. Hope that helps.

5

Posts

EW NEWBIE

Latest post on 28 March 2011 - 17:37

Thank you, gleekfamily - I know it makes sense for the insurance co, but I was hoping to avoid!

gleekfamily24043

481

Posts

EW EXPLORER

Latest post on 28 March 2011 - 17:29

Unless you have done one in a certain time frame before the policy issue then yes you will have to take one. It will depend on the life ins. co. issuing the policy.

5

Posts

EW NEWBIE

Latest post on 28 March 2011 - 17:26

Does anyone know if it's possible to get simple, term life insurance for someone in their 40s without having a medical? Nothing to hide at all, just loathe medicals! Thanks. PS: Sorry, no idea how to edit the title to put in the question mark... <em>edited by mosquito on 28/03/2011</em>

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