This depends on the type of cover you need and the size of the benefit you require.
For Over 50s Life Insurance, most insurers guarantee acceptance if you’re under a certain age. They won’t ask any questions about your medical history, except perhaps your smoker status.
However, all other Life Insurance for seniors needs some form of health assessment. This could be as simple as a list of medical questions.
For older adults, those applying for higher benefits or with medical conditions, the insurer might ask your GP for access to your medical records.
They may even want a full medical assessment by a nurse or doctor depending on your circumstances.