Over 50 Life Insurance help - Do I need to take a medical examination during my application process?

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    ”Will I have to take a medical?”


    Will I have to take a medical examination before I am accepted for an Over 50 Life Insurance policy?
    With most UK Insurance providers, your application will be passed on to what is called a medical underwriter who will use complicated calculations and experience to determine how much of a risk each application is.
    The insurance company will then use his recommendation to either accept your application immediately or to request a medical report from your GP.
    The insurance company will cover the cost of this and request to view the report before it is sent off.
    Please be careful of sites promising a guaranteed acceptance for over 50 life insurance without the need of a medical as you will often find that the level of your cover is extremely compromised and you may not be covered for as many situations as you would normally expect to be.
     

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