Is Legal & General Life Insurance No Exam?
Legal & General offers both traditional life insurance policies that require a medical exam and simplified or guaranteed-issue options that do not. Whether you qualify for a no-exam plan depends on the specific product, your age, and the coverage amount you want. The insurer evaluates each application individually, so the best path for you will hinge on your health, budget, and how quickly you need coverage.
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How Legal & General's No-Exam Options Work
No-exam life insurance from Legal & General typically falls into two categories: simplified issue and guaranteed issue. Simplified issue skips the medical exam but asks health questions on the application. Guaranteed issue skips both the exam and the health questions, though it often comes with a waiting period before the full death benefit pays out. Both options usually have lower coverage limits and higher premiums compared with fully underwritten policies.
When a Medical Exam Might Be Required
For larger coverage amounts or standard whole-of-life and term policies, Legal & General will generally require a medical exam and lab work. The exam helps the insurer set your premium based on your health profile. If you are comfortable with the process and want lower rates or higher coverage, a medically underwritten policy is often the better value.
Comparing Exam vs. No-Exam Plans
| Feature | Medically Underwritten | No-Exam (Simplified or Guaranteed) |
|---|---|---|
| Medical exam required | Yes | No |
| Health questions | Yes | Simplified or none |
| Typical coverage limit | Higher limits available | Lower limits |
| Premium cost | Generally lower | Generally higher |
| Waiting period | Usually none | Common in guaranteed issue |
Who Should Consider a No-Exam Policy
A no-exam plan from Legal & General may suit people who want coverage quickly, those with health conditions that make passing a medical exam difficult, or anyone seeking a smaller death benefit to cover final expenses. If your health is strong and you want maximum coverage for the lowest premium, a medically underwritten policy is usually the stronger choice.
How to Apply
You can start an application through Legal & General's website or with an adviser. The process will ask you to choose between an exam and no-exam path based on the product you are considering. Be prepared to share basic personal and health information so the insurer can present accurate options.