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.