Mortgage protection insurance with no health questions is not how decreasing cover for a repayment mortgage is usually sold: the plans that skip health questions are guaranteed-acceptance over-50s plans, which pay a small fixed sum for life, while the decreasing term cover insurers such as Aviva offer for a mortgage asks about your health. A broker with FCA authorisation can weigh your balance, age and health history against what insurers would ask, and the free call-back is arranged by sending in the form on this page.
The gap between those two products is what this page is about, because the over-50s plans do not fit a mortgage as neatly as the name of the search suggests.
Is there mortgage protection with no health questions?
It depends what you mean by mortgage protection. "Mortgage protection" usually means decreasing term life insurance. Legal & General describes it this way: "Decreasing term life insurance, sometimes known as mortgage life insurance, means your cash sum decreases roughly in line with the way a repayment mortgage decreases, though the premiums stay the same unless changes are made to the policy." It is underwritten, so the insurer prices it from your health and lifestyle answers; Aviva's Life Insurance Plan, which can be set to go down in line with a repayment mortgage, asks those questions when you apply.
What does exist without health questions is a different product: a whole of life plan, sold to people in an age band, that accepts everyone who applies. The same insurer answers the question directly on its Over 50s Life Insurance page (read 27 October 2026): "No, we won’t ask you any health questions or ask you to have a medical examination." Those plans are covered in full on what guaranteed life insurance is; the sections below look only at how they sit against a mortgage.
Why standard decreasing cover asks health questions
An insurer that promises a large sum for a long term wants to know the risk first. Legal & General's guide to life insurance without a medical (28 May 2026) says: "When you apply for life insurance we ask questions about your health and lifestyle, and based on this – and the amount of cover requested – we will decide if a medical is required or not." It lists what can affect the terms it offers, among them age, smoker status, health, height and weight, and family medical history.
Skipping the medical examination is not the same as skipping the questions. The same page says that for standard term policies the need to attend a medical "would depend on your circumstances and the amount of cover you need", and that for most applicants none is needed. The questions themselves are set out on medical questions for life insurance, and life insurance without a medical covers the exam side.
Whether you need cover at all is a separate point, answered on do you need life insurance for a mortgage.
How guaranteed-acceptance plans compare with a mortgage
Here are the published limits of three insurers' guaranteed over-50s plans. All three are whole of life with a fixed sum, not a sum that falls with a repayment mortgage.
| Insurer | Entry ages | Limit as printed | Death in the first year | When you stop paying |
|---|---|---|---|---|
| Legal & General, Over 50s Fixed Life Insurance | 50 to 80 | Maximum cash sum of £10,000, across all its Over 50s policies | Premiums refunded, unless death is accidental | Age 90 |
| SunLife, Guaranteed Over 50 Plan | 49 to 85 | £18,000 or less in total across its guaranteed-acceptance policies | Premiums refunded, unless death is accidental | On the policy anniversary on or after your 95th birthday |
| Aviva, Over 50s Life Insurance | 50 to 80 | Monthly premium of £5 to £100 across all its Over 50s policies; you can choose either the premium or the level of cover | Premiums paid, unless death is accidental | After 30 years or at the policy anniversary after your 90th birthday, whichever comes first |
Legal & General's policy summary (QGI12836 11/2025) says it will "guarantee to accept you without any medical questions" if you are within the age range and a UK resident who has lived here for 183 days or more in the previous tax year, and adds that the cash sum "stays the same". SunLife's terms (S-G050T12.25.V3) say the plan is for people "aged 49-85" and set the £18,000 total. In each case the full sum is not paid for a death from illness in the first year, which would matter if the mortgage were the reason you bought it. When the last premium is paid, the cover runs on until death. SunLife and Aviva both warn that a long life could mean paying in more than the plan returns, and all three note that inflation erodes what a fixed sum is worth.
Compare your mortgage balance with those ceilings before treating one of these plans as a substitute. Each plan is one insurer's terms; another insurer may set other limits, and the quote shows what applies. Asking a broker what could be arranged for your balance and age costs nothing through the form on this page.
What non-disclosure means if you answer a question wrongly
Where health questions are asked, the answers carry legal weight. The Consumer Insurance (Disclosure and Representations) Act 2012 says in section 2: "It is the duty of the consumer to take reasonable care not to make a misrepresentation to the insurer."
What the insurer can do afterwards depends on how the mistake is classed. For a deliberate or reckless misrepresentation, the Act's schedule of remedies says the insurer "may avoid the contract and refuse all claims". For a careless one, the remedy rests on what the insurer would have done had you answered correctly: if it "would not have entered into the consumer insurance contract on any terms, the insurer may avoid the contract and refuse all claims, but must return the premiums paid". If it would have offered other terms, the contract can be treated as if on those terms, and where it would have charged a higher premium it "may reduce proportionately the amount to be paid on a claim".
On a mortgage policy, that means a claim could be reduced or refused. Leaving out a condition to dodge a question is the risky route. The Act is explained in full on life insurance disclosure requirements.
If you have been declined or are worried about a condition
A condition does not always rule out standard cover; how an insurer treats it varies. Life insurance with a medical condition sets out how that works. Which insurer might consider your health history for a repayment mortgage is a point the broker can explain, free, on the call-back, though cover is never promised.
Cover for illness has its own rules: critical illness cover without medical questions deals with that, and income protection without medical questions covers monthly income. Neither is a way round the questions on mortgage life cover.
Fill in the form and a broker can talk through decreasing cover for your mortgage and what you have been treated for, free on a call-back.
Frequently asked questions
Can I get mortgage life insurance with no medical exam?
Usually, yes. Legal & General says that in 2025 around 7.5% of people who applied for life insurance were asked to attend a medical. You would still answer health questions on an underwritten policy.
Will an over-50s plan pay off my mortgage?
It pays a fixed cash sum that does not follow your mortgage balance, and the limits above apply. Whether that sum would clear your balance depends on how much you still owe when you claim.