Can I Get Life Insurance Without a Medical Exam? Spirit Says Yes

Dreading medicals? You’re not alone - 35% of UK adults skip life insurance over health worries Forbes Advisor UK, 2024. Spirit Cover’s got no-exam plans, especially for 50-80-year-olds. No needles, just questions - coverage starts day one, with trusts and benefits like GP 24/7. Here’s how.

No-Medical 101

“Guaranteed acceptance” means no health checks. In 2023, 1.5 million over-50s policies sold ABI, 2023. Payouts (£5,000-£20,000) suit funerals (£4,267 average Finder UK, 2020) or gifts.

Spirit’s Boost

Others wait 12-24 months - Spirit pays from day one. Plus:

  • Trusts: Free, tax-free - 40% over £325,000 saved HMRC, 2023.
  • Perks: Fracture Cover, Mental Health Support - more than cash.

£25/month for £10,000 elsewhere? Same with Spirit, but better.

Trade-Offs

Premiums are higher - £20-£30 vs. £10-£15 for £10,000 - and payouts smaller. Worth it for ease.

Hassle-Free Cover

No exams, no stress. Tell us a bit, and your Spirit advisor will set it up - trust-secured, benefit-rich. It’s instant peace.

Start Now