Some affordable life insurance policies do not require a medical examination, but you will usually need to answer health and lifestyle questions. An insurer may request medical records or an examination if your answers, age, occupation or the amount of cover raise further questions. Policies with no exam may offer less cover, include exclusions or cost more than fully underwritten alternatives, so the cheapest option is not always the best value. Answer all questions honestly and compare quotes from FCA-authorised providers, checking the policy terms before applying.