Non-Medical Insurance?

Non-medical insurance is life insurance issued without requiring the applicant to submit to a regular medical examination.

In passing on the risk, the insurance company relies on the applicant’s own answers to health questions regarding his or her physical condition, and on personal references and inspection reports.

Because of the limited underwriting of the applicant, this type of life insurance policy usually has higher premiums than fully underwritten life insurance policies.

Here's how to learn more about non-medical insurance.