Answer:

There are two main ways to apply for Life Insurance: medically underwritten or non-medically underwritten.

If you choose a medically underwritten policy, premiums will likely be lower but you will be asked about your medical background. You are unlikely to need an actual medical unless you apply for a high level of cover or have a certain health risk.

Non-medically underwritten Life Insurance is generally more expensive but is guaranteed acceptance that almost anyone can obtain without health questions or a medical.

If you have any more questions give us a call on 0800 567 7450 or if you would like more information on Life Insurance click here.

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