Non-Medical Life Insurance


Do you have a pre-existing medical condition?

Have you been declined life insurance?

Don't like needles or doctors?

Do you need life insurance in a hurray?


There are 3 catagories of life insurance

  1. Traditional fully underwritten life insurance that asks questions and requires medical evidence in the form of blood and urine test and doctor's reports. This type of life insurance has the highest face amounts of protection and the lowest premiums
  2. Guaranteed issue life insurance  asks no questions has high premiums and low face amounts of coverage and is designed for older ages
  3. Non-medical life Insurance has higher face amounts of coverage than guaranteed life insurance and lower premiums. It fits nicely between guranteed issue and traditional life insurance.


 Non-Medical Life Insurance is appropriate for persons who:


  • have been declined for insurance requiring medical tests or know they would likely be declined
  • have a poor medical history
  • do not want to go through medical testing or are uncomfortable with needles
  • need fast and immediate coverage
  • are between 20-70 years of age
  • need 10 or 20 year Term protection, Permanent life insurance protection or both


 You might qualify for up to $300,000 of term or permanent protection!


Here’s a tip if you think you might not qualify for traditional life insurance at standard rates.

Apply for non-medical life insurance first and later apply for traditional life insurance.


The reason is that people with serious pre-existing medical problems are often declined traditional life insurance and the "decline" counts against them when they apply for non-medical life insurance.

Many people think they should apply for the traditional plan first and then apply for non-medical insurance  Wrong!


You may still qualify for non-medical insurance protection having been declined but the benefits will not be payable for the first two years of the policy if premature death occurs by means other than accident.  These plans a referred to as deferred life insurance plans.

The best strategy is to apply for non-medical life insurance. If your application is successful then try the traditional life insurance application process knowing that a declined application will not count against you.

If your application is approved and you secure higher amounts of protection for less premium than the non-medical plan you can then cancel the non-medical life insurance.


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