What is Non-Medical Life Insurance?
Non Medical Life Insurance is for those who want the quickest possible coverage without going through a longer underwriting process. There is no medical examine with Non-Medical Life insurance. The insurance company only uses your existing health information to underwrite your policy.
To get the best rates requires some form of medical underwriting. This often involves a medical examiner who comes to your home or office to ask medical questions, measure your height and weight. Then depending on your face amount the examiner takes a blood and urine specimen.This medical exam is linked with your medical records to determine your health status.
Non-medical life insurance avoids the medical exam steps, underwriting is accomplished through questions and electronically available information. The trade off is slightly higher rates then a medically underwritten policy if you are healthy, but coverage can be put in force without the hassle of medical testing.
This product is a fully underwritten product which allows for rapid decision on available medical criteria. If you have any of the following medical conditions we recommend you use our fully underwritten products.
Misconceptions about non-medical life insurance
One of the most common misconceptions about non-medical life insurance is that there is no medical underwriting involved in the underwriting process. This is not the case, the medical underwriting uses your medical history from the doctors and hospital visits in your background. What non-medical life insurance means, is that there will not be a