Life Insurance & Medicals query

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gallygirl
gallygirl Posts: 17,228 Forumite
Name Dropper First Anniversary First Post Mortgage-free Glee!
in Insurance & life assurance
Does anyone know what the limit for life insurance is without having to have a medical?

We're 46 & 48, tried to get 200k policy but they want a medical. We both work long hours, away from home often overnight & subject to change at last minute so trying to arrange this is a nightmare (& no leave left till Aug!!!!) TBH would prefer to take out say 2 100k policies even if a little dearer to save teh hassle of trying to arrange/cancel appts.

Thanks folks. x
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"Do what others won't early in life so you can do what others can't later in life"

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  • dunstonh
    dunstonh Posts: 116,387 Forumite
    Name Dropper First Anniversary First Post Combo Breaker
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    Does anyone know what the limit for life insurance is without having to have a medical?

    It varies with different insurers and how you answer the questions.
    TBH would prefer to take out say 2 100k policies

    Most insurers have a question that covers multiple applications being made and the sum assureds.
    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.
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