Do I have to have a medical to get life insurance?
Underwriting
The short answer
Usually not. Most people are assessed using their application answers alone. Insurers may ask for a GP report or a nurse screening if you apply for a large amount of cover, are older, or have certain health conditions. Any medical is usually arranged at the insurer's cost and at a time that suits you.
What a screening involves
Typically height, weight, blood pressure and sometimes a blood or urine sample.
GP reports
You can usually ask to see a GP report before it is sent.
Delays
Waiting for medical evidence can slow an application. Respond to requests promptly.
Sources
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026