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Will I need a medical examination?

A simple medical examination may be a necessary procedure when signing up for certain insurance schemes. Depending on the level of insurance planned on purchase, as well as the type of insurance company, the kinds of medical examinations may vary. Some may ask only for blood pressure, height, weight and other basic details from a General Practitioner. Some may need more details and would require a urine test, blood test etc. Certain policies may need you to go through an EKG and a stress test for a more complete medical picture.

When the premiums are reviewable, these insurance agencies usually calculate your premium amounts based on your life expectancy. For those people who they expect to live a long life due to good health and living habits, premiums are offered at a lower rate since it is expected that they will be paying out their premiums for a longer period of time. However, for those who prove to be suffering from ill health or have bad lifestyles and living habits, they will usually pay higher premiums. This is where the medical examination comes in.

For those who are looking at taking out higher insurance policies, they may not need to worry about going through a medical examination. Most of the expensive policies which usually have a cover of over £500,000 may allow you to automatically sign up and may not make it compulsory for the person to undergo a medical test.

Insurance schemes can be guaranteed or reviewable. If you have a guaranteed premium, the insurance agencies do not ask any questions about your health and no tests are required. You are simply supposed to pay a fixed amount of insurance premium.

Remember our trained independent advisers are there to help you with your decisions. If you complete our online quick and easy form an adviser will be able to answer all your questions.

How to choose

You can select the length of your ideal life insurance quote and also the maximum value of the policy. Use the sliders and then continue to get a free quote.

Length of life insurance

For how many years do you think your family will need to rely on you financially and in how many years will they be able to be financially independent? Some people like to choose a policy that takes them to when the children turn 21, for example.




You have selected 20 year


Maximum value of life insurance

There really isn't a definitive answer for this question but try to factor in the value of your mortgage that needs paying off, a few years of your salary and the values of any debts that will need paying.


MIN £5000

MAX £500,000

You have selected ?10000


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