Life insurance without a medical is available for most people. This means that you'll be able to take out a policy without needing to complete a medical exam/report or health checks, though you will be asked medical questions related to your health which you must answer fully and truthfully. Whether or not you're eligible will depend on circumstances relating to your health, lifestyle and your family's medical history. The exception to this is specific Over 50s Life Insurance products which do not require any detailed medical information.