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Non-medical Life Insurance

Life insurance policies generally require a medical exam as part of the underwriting process.  This allows the insurance company to perform a risk assessment, which impacts whether your application is accepted and at what premium.  However, non-medical life insurance is insurance that does not require a medical exam.

Avoiding a Medical Exam

There are a variety of reasons why someone might want to avoid an insurance-related medical exam.  The most obvious is they have a pre-existing condition they fear will impact them negatively should the insurance company know of it.   However, most applications for non-medical life insurance will still ask questions pertaining to your health.  Failure to accurately respond to these questions constitutes insurance fraud and is grounds for policy termination, or, in the event of death, non-payment of the policy.

Moreover, non-medical life insurance should not simply be seen as a fallback in case you are denied a regular insurance policy.  This is because insurance companies can access your application history as a part of most underwriting processes.  If they know you have been turned down, you pose a more substantial risk to them.

Speed of Service

There are also other reasons for avoiding a medical exam as well.  Insurances requiring a medical exam can take several weeks to process.  Avoiding the medical exam vastly speeds up the underwriting process. Most often, they can be completely processed within two days.

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