Life Shield - Your Life, Your Protection, Personal Insurance

Comprehensive Income Protection without medicals


So you would like a proper Income Protection policy without automatic exclusions, however do not have the time to complete the required medicals? There is a way…

There are ultimately two reasons why an insurance company wants you to complete a medical:

  • To ensure that all health conditions that you are aware of are disclosed; and
  • To ensure that any recent health conditions that you are unaware of are found out before the acceptance of cover.

The problem that some basic, immediate acceptance policies have, is that you are not given the opportunity to disclose health information from your past and the insurer automatically excludes all pre-existing conditions. The resultant insurance therefore sometimes can provide a false sense of security and result in a claim not being paid even after premiums have been paid for many years.


The great thing about new products in the insurance market (for life insurance, income protection, trauma insurance and business expenses) is that underwriting still takes place at application stage. Therefore as long as you disclose all known information at the time of application, you receive full cover.


Life Shield is a preferred adviser for time poor professionals and we are now able to obtain income protection up to a monthly benefit of $12,500 per month without the need for medicals. So you can rest assured that you have full protection with a comprehensive policy without the need to go out of your way to complete arduous medicals.


Life Shield prides itself upon finding the right personal insurance (Income Protection, Life Insurance and Trauma Insurance) solutions for professional people, in an efficient manner to ensure that you do not need to take too much time out of your day to ensure that you and your family have the right insurances in place.


Contact Life Shield to see how much Income Protection you can apply for without medicals.

Medical ProfessionalsClaims Assistance guarantee
Please complete the detailed enquiry form for a more efficient and tailored initial response.





After having had my income protection, with a company based abroad, for the last 15yrs I recently decided to sort it here in Australia.(Now based here so it makes sense.)
Needless to say the thought of trying to get a similar product for a good price was a concern....

Dr S.T (BDSc)
Newman, WA.

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Life Shield Pty Ltd is an Authorised Representative of Guardianfp Ltd ABN 40 003 677 334 AFSL & ACL No. 237641



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Phone: 1300 447 710
Fax: 1300 44 24 10
Post: PO Box 9292, South Yarra VIC 3141

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