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Can I get life insurance without a medical?

Until recently, applying for life insurance usually meant undergoing an intrusive medical exam, with embarrassing questions to answer and intrusive forms to fill out. Even then, you could be left waiting for days before finding out whether you had been accepted — or rejected.

It’s not surprising that many people tend to put off getting life insurance, leaving their families without valuable financial protection if the worst was to happen. In fact, research shows that 95% of Australian families with dependent children still don't have enough insurance.*

The good news is that getting life insurance no longer has to be hard. By choosing the right insurer, most people can get the cover they need over the phone, without going through a lengthy doctor’s examination and uncomfortable blood tests.

What your insurer needs to know
Of course, your insurer still needs to know about your health and medical history before they can give you cover. But a short and confidential phone conversation with an expert consultant can be enough to give them the information they need.

The details they might ask you about include:

  • Your age, weight and height.
  • Whether you smoke.
  • How much alcohol you drink, and how often.
  • Whether you have suffered a serious illness in the past, like cancer or heart diseases.
  • Whether you have a history of illness in your family.

By being prepared when you call, you can make the process fast, pleasant and hassle-free.

Find out more
To find out more about your life insurance options, request an information pack.

* Understanding the social and economic cost of underinsurance, National Centre for Social and Economic Modelling, 2010

Real Insurance is an award-winning provider of life insurance.

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