Income Protection with No Medical
Income protection insurance can give the peace of mind that comes with knowing that you and your family will still be able to keep yourselves afloat if you suddenly lose your main source of income due to illness, injury or unemployment.
For short term income protection applying for cover without a medical is usually not a problem if you are in good health. If you have a pre-existing medical condition this will normally be excluded from cover. For long term cover depending on your medical history a medical examination may or may not be required and this will depend on the insurance company's underwriters. This is where using a broker can be very useful as they should be able to filter out companies who will require a medical.
Some company’s application processes are more complicated than others, with some willing to offer you income protection with no medical tests required. Others may want to know about any pre-existing conditions you have been treated for prior to purchasing the policy before they will be willing to offer you an income protection quote.
Short Term Income Protection
For quotes where income protection is paid out for 12 months only, use the tables below for an instant quote:
Most income protection policies are short term and will provide you with up to 12 months cover while you are unable to work. Most polices will pay you regular, tax free payments that make up a percentage of your usual earnings, although most companies will cap the amount at £15,000.
Long Term Income Protection
More long term income protection polices are available, although these are more expensive and are normally linked to health related issues rather than short term injuries or periods of unemployment. More information can be found here.
While some companies offering income protection while seek no medical tests, most will ask for a brief medical history. This is because many insurers will not cover you for previous accident or illnesses that occurred before the terms of your policy started.
See our partner long term income protection insurance service below:
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