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Life Insurance Without a Medical Exam: A Practical Guide

By  AAMI 31 January 2025

Thinking of getting life insurance, but worried about needing a medical test? The good news is, it’s now possible to apply for life insurance without a medical exam. Here’s what you need to know. 

What is life insurance?

Life insurance provides financial protection for your family if you are no longer around to support them. It pays a lump sum in the event of your death, or if you are diagnosed with a terminal illness, which can be used to pay bills, settle debts and provide for their future.

While there are many types of life insurance – including life, total and permanent disability (TPD), trauma, funeral and income protection insurance - this article focuses on term life insurance, or death cover. It’s known as term cover because it provides cover for a set term or period. This means you can only receive a benefit if you die or develop a terminal illness during your policy term; once your term has elapsed, your cover ends.

Differences between traditional life insurance and no medical exam life insurance

When you apply for most types of life insurance, you will be asked a series of questions about your personal circumstances, such as your health, medical history (including any pre-existing conditions), occupation, income, lifestyle, and current and past insurance. This is known as the underwriting process.

Depending on the answers you give, some life insurers may then ask you to have a medical examination, such as a blood test, blood pressure test or urine test. You may be asked to do this if you:

  • Have an existing health condition
  • Have a family history of serious illness, or
  • Request a high level of financial coverage

At AAMI, we’ll ask you the same underwriting questions as other life insurers, but with our no medical exam life insurance, we won’t ask you to take a medical test before we’ll agree to cover you.

While some people might be worried about the underwriting process, it can actually have some surprising advantages. Once an insurer understands your health and medical history, they can offer you:

  • a range of cover options you can choose to suit your needs, and
  • premiums tailored to your health status.

Many insurers offer reduced premiums if you are in good health. Even if you have a pre-existing health condition, you may still be able to get cover, with exclusions or higher premiums to help manage the risk while obtaining the protection you want. 

It’s important to be completely honest about your health issues when you are talking to a potential insurer, even if you are concerned you might not qualify for cover. If you have a pre-existing condition that you are aware of or a reasonable person should be aware of and don’t disclose it, and later make a claim, you may find your claim payment is reduced, or your claim is even refused.

Benefits of No Exam Life Insurance

AAMI no medical exam life insurance is fast, easy and convenient, with no needles, tests, or waiting around for doctor’s appointments or results. 

You can: 

  • Apply online and get a quote in minutes with our quick, easy application process 
  • Complete your application online or over the phone 
  • Get approved fast, with no delays in getting cover (provided you qualify)

Relax and enjoy the comfort of knowing your family has protection as your cover lasts until your 99th birthday

Things to consider

Here are some important factors you might wish to consider when choosing between different no medical life insurance providers. 

Coverage amount

With AAMI no medical exam life insurance, you can choose a benefit amount of up to $1.5m. You should always check whether the level of cover on offer suits your needs. 

Premiums 

Premiums can vary between insurers and are influenced by a range of factors, including your age, occupation, pastimes, policy options and health status. To help keep premiums more affordable, AAMI offers a range of discounts to eligible customers. 

Policy options 

No medical exam life insurance doesn’t have to mean no frills. AAMI life insurance lets you adjust your cover to suit your life stage and has optional extras to give you additional cover if you want it.   

How to find life insurance with no medical exam

Many insurers offer no medical exam life insurance. Follow these steps to find cover that suits you: 

  1. Research insurance companies: search for no-medical life insurance.
  2. Compare policy options: every life insurance company is different. Comparing different policies can help you decide which options best suit your individual needs. You might want to consider coverage amounts, premium amounts, and policy terms. 
  3. Review policy details: understand what is and is not covered by the policies you are considering, and whether they meet your specific needs. 
  4. Get a quote: once you’ve chosen the policy features that are important to you, comparing quotes can help you make your choice.

Key points 

No medical life insurance offers you fast, easy cover without the stress or delays that come with medical tests. With AAMI, you can get up to $1.5M in life insurance cover without the need for a medical exam.

Wondering how much cover you need? Try our Life Insurance Calculator. 

Ready to get a quick quote for AAMI no medical life insurance?

Get a quote

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AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Suncorp Group. TAL Life uses the AAMI brand under licence from the Suncorp Group. Redundancy Benefit provided on or before 31st March 2020 was issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 are issued by TAL Life. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.

Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Products you must read the relevant Product Disclosure Statement. The Target Market Determination is also available.

TAL Life is proud to have adopted the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.