Life insurance with no medical or health questions

Written by Henry Smith · Reviewed by Smiths Insurance & KiwiSaver, licensed Financial Advice Provider (FSP712931) · Updated 2026-10-20 · Reviewed quarterly, when the underlying data is restated.

Financial advice is provided by Craig Smith Business Services Limited, trading as Smiths Insurance & KiwiSaver, a licensed Financial Advice Provider (FSP712931). QuoteHub is a trading name.

Life insurance with no medical questions accepts you without asking about your medical records, doctor history or family health. With Momentum Life's Quick Life you give your age, gender, smoking status and residency, and choose $50,000 to $300,000. Deaths from pre-existing conditions, and suicide, are excluded for the first two years.

Get a quote and apply online today

See your price in about a minute, then apply online with Momentum Life. Guaranteed acceptance, no health questions, no medical exams.

Life cover See your price Ages 18–65 · $50k–$300k Funeral cover See your price Ages 40–75 · $3k–$30k

Want more than $300k or have questions? Talk to an adviser

Life cover: Conditions you already have aren't covered for the first 2 years (premiums refunded instead). Suicide isn't covered for the first 2 years, and a few conditions can be excluded permanently.

Funeral cover: Only accidental death is covered for the first 2 years. Total premiums can add up to more than the cover, and it may not meet the whole cost of a funeral.

Insurer: Momentum Life Limited. Financial strength rating B (Fair) from AM Best, affirmed 11 February 2026; B ratings sit in AM Best's 'vulnerable' range. The rating scale is available for inspection at every Momentum Life office in New Zealand. What this means

Already have cover? Keep it. New cover won't pay for a condition you already have in its first 2 years.

Opens Momentum Life's online application; its guidance only covers eligibility. QuoteHub is a Momentum Life partner. Smiths Insurance & KiwiSaver may receive a commission if you buy. General information, not advice.

Quick Life is Momentum Life's guaranteed acceptance life cover for people aged 18 to 65, with "no health questions or medical exams" (Momentum Life: Quick Life policy wording, November 2025). "No health questions" is narrower than it sounds. The insurer still collects the details that set the price, and it still tests some things at claim time. This page separates cover that genuinely asks no health questions from cover that only skips the medical exam, then sets out what Quick Life collects and what it excludes.

No exam, few questions, no questions: three different things

These categories are easy to mix up. The insurers' own documents show a ladder:

What it asks about health	Examples we found	Notes
Medical exam skipped, health questions asked	Fidelity Life and Chubb Life: an application form or personal statement is the only evidence needed up to $500,000, though disclosed conditions lead to more	Adviser-sold; see our guide to life insurance with no medical exam
A short set of health questions	NZ Seniors Life (ages 45 to 79, $10,000 to $200,000): eight phone health questions. Golden Insurance (ages 40 to 80): "just some health and lifestyle questions"	Not guaranteed acceptance, so the answers can affect the offer
An online risk assessment	Booster Super Simple Life Insurance (KiwiSaver members aged 18 to 50)	Not guaranteed acceptance
No health questions	Momentum Quick Life; Greenwich Life QuickCover Life ("acceptance is guaranteed regardless of your medical history"); the funeral products	Amount limited; early period applies

Sources: Fidelity guide, Chubb guide, Golden Insurance, Booster, Greenwich Life, retrieved 17 to 20 October 2026. Only the bottom row asks nothing about your health. If a product does not say "guaranteed acceptance" or "no health questions" in its own wording, assume it asks.

What Quick Life asks instead

Quick Life accepts a New Zealand resident aged 18 to 65 "automatically". Its premium is set from the life insured's age, gender, smoking status and the benefit amount (Quick Life policy wording, p11). The application also needs the people involved: who is covered, who owns the policy, who is paid, and how and how often you will pay. Adding a partner on a joint policy earns a $50 a year discount.

Residency is checked by status: a New Zealand or Australian citizen, a permanent resident visa holder, or a temporary work visa holder who has been in New Zealand for 6 months or more. If the true age at the start was over 65, the policy is void and all premiums refunded.

There is one health-related rule outside the wording. Momentum's Quick Life page says it is not available to applicants diagnosed with a terminal illness, or in palliative or hospice care (Momentum Life: Quick Life). That is stated on the page, not the policy wording, and we do not know how it is applied.

Where the questions go: claim time

Skipping questions at application moves some scrutiny to claim time. A Quick Life claim may need a form from the treating medical practitioner, test results, a death certificate or confirmed diagnosis, and details of the person's occupation, lifestyle or activities where relevant (Quick Life policy wording, p14). Occupation and pastime are not asked at application, but listed dangerous jobs and pastimes are always excluded, for example working 40 metres underwater, driving or riding faster than 130 km/h outside commercial flights, professional sport, handling explosives or weapons, and active armed-forces duty.

Cover with health questions has its own risks in the other direction. The Insurance & Financial Services Ombudsman has reviewed a case where an insurer applied loadings retrospectively and paid a reduced stroke claim because past conditions were not disclosed; the complaint was not upheld (IFSO). Quick Life asks no health questions, so there are no health answers to dispute, but the things it does ask must be right: age and smoking status. If a misstatement made the premium too low, the benefit is reduced to match.

The limits that come with it

Amount. $50,000 to $300,000 per person at the start; 3% yearly increases can lift it towards a $500,000 cap. See cover amounts.
The first two years. Quick Life does not pay for a pre-existing condition or for suicide, attempted suicide or intentional self-harm, whatever the person's mental state. A pre-existing condition is any illness, condition or symptoms in the two years before the policy began, including undiagnosed symptoms, and it names very high blood pressure, cholesterol over 7.0, a BMI over 40 and complications related to diabetes. Accidental death and new conditions are covered from the start. If the death is from a pre-existing condition within the first 24 months and no claim is payable, premiums are refunded.
After two years. Pre-existing conditions are covered, except some specific conditions that can be permanently excluded in your policy schedule. Read the schedule.
Cost. Premiums are stepped, rising each year until fixed at 75. Price is covered on our cost page.
Funeral Insurance. Momentum's separate product for ages 40 to 75 also asks no health questions, but pays only for accidental death in the first 24 months. Any other death returns all premiums for that person.

For the difference between a restricted early period and a conventional waiting period, see life insurance with no waiting period. The general idea of a pre-existing condition is in our guide.

Is it right for you?

It tends to suit people who have been declined or heavily loaded elsewhere, or who do not want to answer health questions. It suits healthy people less, because cover with health questions usually gives more cover and may cost less. If you answer health questions truthfully and are accepted on standard terms, a licensed adviser can show you the difference. The comparison is on guaranteed acceptance versus full medical and in the guaranteed acceptance hub.

Where to get advice

On the insurer: A.M. Best's rating for Momentum Life is B (Fair), affirmed on 11 February 2026, a grade Momentum's own table groups under "Vulnerable"; see its financial strength page. The buttons on this page open the application for Quick Life or Funeral Insurance on Momentum's site. QuoteHub is a Momentum Life partner and Smiths Insurance & KiwiSaver may receive a commission if you buy a Momentum policy; see how we are paid. Advice is provided by Craig Smith Business Services Limited, trading as Smiths Insurance & KiwiSaver, a licensed Financial Advice Provider (FSP712931).

Get a quote and apply online today

See your price in about a minute, then apply online with Momentum Life. Guaranteed acceptance, no health questions, no medical exams.

Life cover See your price Ages 18–65 · $50k–$300k Funeral cover See your price Ages 40–75 · $3k–$30k

Want more than $300k or have questions? Talk to an adviser

Funeral cover: Only accidental death is covered for the first 2 years. Total premiums can add up to more than the cover, and it may not meet the whole cost of a funeral.

Already have cover? Keep it. New cover won't pay for a condition you already have in its first 2 years.

Adviser's view

Cover with no health questions is real, but it is not cover with no conditions. Quick Life asks for age, gender, smoking status and residency, caps the amount at $300,000 to start, and for two years does not pay for a pre-existing condition or suicide. Many other policies marketed as easy or exam-free still ask health questions, so read what is actually asked before you apply.

Henry Smith, Financial Adviser (FSP1010699). General information, not personalised financial advice.

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Cite this page QuoteHub NZ (2026). Life Insurance No Health Questions NZ: The Limits. www.quotehub.co.nz/guaranteed-acceptance/life-insurance-no-medical-questions-nz. Updated 2026-10-20.

References

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