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No Medical Life Insurance

Want life insurance without the hassle of a medical exam? No medical life insurance could be the answer. Keep in mind there are limitations for policies that aren't fully underwritten.

What you need to know

  • Many life insurance funds will ask you to take a medical examination.
  • People in good health can find policies that skip this step.
  • You will still need to fill out a declaration about your health - it is crucial not to lie!

Get a quote for no medical life insurance

Here are some Finder partners that offer life insurance cover without the need for a medical.

Name Product Maximum Cover Maximum Entry Age Medically Underwritten Claims Acceptance Rate Average Claim Time Sum Insured
TAL Accelerated Protection Life Insurance
No set limit
73
Data not available
1 months
$249,285 million
Our verdict: One of Australia's leading life insurers. Automatically includes child critical illness cover. Plus, it comes with a level premium option (e.g. costs remain similar as you get older).

⭐ Current offer: Get up to 15% off your TAL Life, Trauma or TPD insurance policy for life - if you have a Body Mass Index (BMI) between 19 and 28 at the time of your application. Offer T&Cs on insurer website apply.
Medibank Life Insurance
$2,500,000
70
Data not available
Data not available
Data not available
Our verdict: Medibank offers a higher payout limit ($2.5 million) than 15 other providers. Get a 10% discount if you're already a Medibank Health Insurance member.

⭐ Current offer: Save 10% on your first year of Medibank Life Insurance when you apply by 1 July 2024. T&Cs apply.
NobleOak Life Insurance
Finder AwardBonus
NobleOak Life Insurance
$25,000,000
74
96.90%
1.1 months
$24,483 million
Our verdict: Finder Life Insurance Award winner for the last 5 years in a row. Good value for money, simple application process and a high claims acceptance rate.

⭐ Current offer: Get two months free on all cover types apply by 14 June 2024. T&Cs apply.
RACWA Life Insurance
$25,000,000
74
96.90%
1.1 months
$24,483 million
Our verdict: RAC’s maximum death cover limit of $25 million is one of the highest limits you’ll find, including $5 million in TPD insurance. You can get an online quote, but you’ll need to call RAC to get trauma cover. Benefit from added peace of mind with fully underwritten insurance. RAC is also WA-based but services all of Australia.

⭐ Current offer: Get two months free when you apply for two or more RAC Life Insurance covers by 30 June 2024. T&Cs apply.
ahm Life Insurance
$1,500,000
55
Data not available
Data not available
Data not available
Our verdict: ahm offers a simple application process. You can be approved online or over the phone. There are no medical or blood tests needed.

⭐ Current offer: Get 10% off your first year of ahm Life Insurance when you apply by 1 July 2024. T&Cs apply.
AAMI Life Insurance
$1,500,000
65
Data not available
3.1 months
$37,768 million
Our verdict: There’s flexibility with AAMI as you can add another adult to your cover, with a competitive limit of $1.5 million. Easy application process with no medical exams.

⭐ Current offer: Take out a new AAMI Life Insurance policy and get $100 eGift card after your first 4 months of cover. T&Cs apply. Ends June 30, 2024.
Suncorp Life Insurance
$1,500,000
65
Data not available
3.1 months
$37,768 million
Our verdict: Competitive maximum cover limit of $1.5 million. Suncorp lets you change your cover amount by up to $100,000 after a big life event, such as having a baby.

⭐ Current offer: Take out a new Suncorp Life Insurance policy and get $100 eGift card after your first 4 months of cover. T&Cs apply. Ends June 30, 2024.
Real Family Life Cover
$1,000,000
64
88.90%
2.4 months
$53,238 million
Our verdict: The application is simple; it can be done with 1 phone call and there are no medical exams. But households with larger debts may need more than a $1 million payout.

⭐ Current offer: Get back 10% of the premiums you’ve paid after 1 year.
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Why compare life insurance with Finder?

  • You pay the same price as buying directly from the life insurer.

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  • We've done 100+ hours of policy research to help you understand what you're comparing.


Finder survey: Have Australians of different ages lied on their TPD insurance policy?

Response65-74 yrs55-64 yrs45-54 yrs35-44 yrs25-34 yrs18-24 yrs
I've never lied on an insurance policy2.29%7.56%10.88%15.74%7.34%3.09%
I lied on my current policy0.92%
I've lied on a past policy0.46%
Source: Finder survey by Pure Profile of 1110 Australians, December 2023

What is no medical life insurance?

Depending on the type of policy you buy, life insurance will provide a financial payment to you or your family if you die, fall critically ill or suffer a serious injury.

It's designed to help replace lost wages while you're unable to work, pay for any medical expenses that might pop up or even make sure your family can maintain their lifestyle without your income.

No medical life insurance is the same. The only difference is that you don't need to visit a doctor before you get a policy. It's less hassle than standard life insurance and can be approved much quicker, but it's not tailored to your specific circumstances so it's better suited to people who lead a healthy lifestyle and have no pre-existing health conditions.

How does no medical life insurance work?

Before you're approved for no medical life insurance, you'll have to fill in a questionnaire about yourself and your overall health. This means you have to disclose some details such as your BMI, whether you smoke and how much alcohol you drink. The insurer will also ask if you have any pre-existing medical conditions and may ask about your family's medical history.

Make sure you're honest in your disclosure. If you give misleading information, the insurance company can't determine the right coverage for you and may even be able to deny a claim further down the line.

If there are any signs that you need a more comprehensive check-up, the insurer might decline coverage or suggest you look at a life insurance policy that requires a medical.

Pros and cons of no medical life insurance

Pros:

  • No need to visit a doctor or have an exam
  • Easy application process
  • Very quick approval process

    Cons:

    • Maximum coverage amount may be lower
    • A claim may be denied if you don't give accurate information
    • Not suitable for smokers or heavy drinkers
    • Not suitable for people with pre-existing medical conditions

    Who should apply for no medical life insurance?

    We can't tell you whether you should apply for no medical life insurance, but we can say that no medical life insurance is better suited to the following people:

    • Healthy people. No medical life insurance isn't the best option if you have pre-existing medical conditions, smoke or drink heavily. If this is the case, you may want to consider standard life insurance instead.
    • Busy people. No medical life insurance has an easy application process, with no need to arrange a medical exam. It's great for people who have little time to spare.
    • If you're in a rush. Fully underwritten life insurance can take weeks to be approved, but no medical life insurance can be done in just a matter of days.
    • Just because you can opt for an insurance policy without a medical exam, it doesn't mean you should. An insurer needs to understand your risk level so they can then offer you a policy that, ultimately, you could successfully claim against in the future. In general, this is more likely if you've provided them with more information during the application process. Read more about how a life insurance medical exam typically works.

    Can seniors get no medical life insurance?

    Yes, it is possible for seniors to take out life insurance without having to go through medical underwriting. There are a couple of things to be aware of though.

    If you're over 65, you're probably going to pay a lot more in premiums due to your age. So if you don't have debts or a lot of financial commitments as you approach your retirement, have a think if life insurance is really worth the ongoing cost of the premiums you'll pay.

    The other big consideration is that no medical life insurance can often have a lot more conditions making it harder to make a successful claim. If you're a senior and looking for a more comprehensive form of cover for your life insurance, it could be worth going through medical underwriting just to make sure there aren't any unforeseen issues when it comes time to make a claim.

    Can I get no medical life insurance if I have a pre-existing medical condition?

    In some cases, you may be able to get no medical life insurance even if you have a pre-existing condition. However, it's likely that this condition will be excluded from the policy. That means if you die as a result of that condition, your family won't receive a benefit.

    If you have a pre-existing medical condition, always declare it to the insurer. It's the only way to make sure you have a policy you can trust.

    Do I have to declare existing medical conditions for no medical life insurance?

    Yes. It's important to be honest and upfront about any medical conditions you may have as well as your lifestyle habits such as smoking and alcohol consumption.

    If you're not accurate in your declaration, your insurer may deny a claim when you or your family really need it. It's better to pay a bit more for a policy and be secure in the knowledge it will pay out when it comes to claim time.

    What's involved in a life insurance medical exam?

    Some people opt for no medical exam life insurance due to fear of doctors or discomfort with medical exams. However, it's important to understand what the process entails before making a decision. No medical exam policies can be a hassle-free way to get coverage quickly, but they may come with higher premiums and limited coverage. It's worth considering the pros and cons of no medical exam life insurance before making a decision.

    Typically, you can expect a medical exam to look at the following:

    • Blood
    • Urine
    • Blood pressure
    • Cognitive tests
    • Height
    • Weight
    • Cholesterol
    • Treadmill test

    Why you can trust Finder's life insurance experts

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