Insurance with no diagnosed health conditions


To keep it short, I had some bizarre health conditions over the last year (not Covid) but involved Multiple MRI scans and many other tests, all that can back fine, bar urine infection but not heard back about that and it’s been a few months. I have been signed off from every doctor and no further investigations are required - I did turn down an operation 6 months ago as was feeling better and touch wood, there has not been a visit to the doctor since. 

Would I be able to get life insurance now aged 40, or would I need to be Health free for a year or something? Also, I know I’ll get asked questions about my health but there was so many investigations over the last few years that I’ve lost track and it would take my doctor a long time to locate everything? Does this have to be done?

I said short, sorry! 


  • brettctabrettcta Forumite
    4.7K Posts
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I’d suggest it’s too late for life assurance if you’re health-free for a year.

    you’re really better off posting on the actual insurance subforum (rather than the ‘reclaiming’ bit) or, ideally, speaking to an insurance broker.
    helpful tips
    it's spelt d-e-f-i-n-i-t-e-l-y
    there - 'in or at that place'
    their - 'owned by them'
    they're - 'they are'
    it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
  • dunstonhdunstonh Forumite
    112.5K Posts
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    This would have been better in the insurance section rather than the missale section.  Maybe a moderator could move it?

    Would I be able to get life insurance now aged 40, or would I need to be Health free for a year or something?

    If investigations have stopped and the diagnosis is known then you can apply.  If there are still unknowns then the insurers will not take you on until they are resolved.

    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
Sign In or Register to comment.
Latest MSE News and Guides

Martin and MSE campaign win

April's 20% energy price guarantee hike postponed

MSE News

Childcare budget boost

More support for children from nine months and those on Universal Credit

MSE News

Energy Price Guarantee calculator

How much you'll likely pay from April

MSE Tools