In most cases when you buy life insurance you won't have to have a medical. Instead of sending you for a medical, life insurance companies will normally ask your GP for details of your medical history.

How insurers decide how much you will pay for Life Insurance

How much you pay for life insurance will depend on risk factors, like, your age, your health, your occupation and your hobbies.

• Your job - What you do for a living has a big impact on how much you will pay for life insurance. The riskier your job the more you pay. For example, if you work at height, are a fisherman, work in the oil industry or the armed forces you will pay more to get life insurance, as there is a greater risk that you will die in employment.
• Your health and lifestyle - How healthy you are and your lifestyle choices will affect how much you pay for your life insurance. Insurers look at your family health history, your weight and height and if you smoke and how much alcohol you drink to work out how much to charge you for life insurance. If your family has a history of serious illnesses, if you smoke and are overweight you are at greater risk of dying so you will be charged more for life insurance.
• Your age and your sex - How old you are and your sex also has a large impact on your life insurance premiums.
• Hobbies and leisure activities - If you take part in risky hobbies or activities you will be charged more for life insurance. Hobbies such as climbing, diving, parachuting and hang-gliding could all mean that you could pay more for life insurance.

How to Find the right Life Insurance Policy

Life insurance is complicated and it's essential that you choose the right policy. We specialise in life insurance and will search the market and help you find the right cover at the best price available. Quotes for life insurance are free and you are under no obligation.