Non Medical Life Insurance Guide: Why & How Does It Work Better?

Wednesday, May 1, 2013, 1:00 AM | 9 Comments

Just like any other customer utility product or service, insurance sector too has come out with a quick turnaround and efficient versions. The insurance with no medical exam has become increasingly popular today.  This is because more and more people are opting for it, realizing its importance and handy attributes.

If you find medical tests unsuitable, wastage of time or unnecessarily long procedures; the no-medical life insurance should definitely be your pick.

Why Is No Medical Exam Insurance Gaining Popularity?

It goes without saying that the times today are cutthroat, fast and overwhelmed with quick moving opportunities. If you waste time at one thing, you lose the opportunity with the other. The medical tests associated with insurance are infamous for their extended and exaggerated processing time period. So, people have come to realize the redundancy of the medical tests associated with the insurances. The no-medical test insurance has gifted people with a convenience they were always looking for.

What Is It and How Does It Exactly Work?

As you all might know, a conventional medical insurance has the underwritten rules and guidelines regarding the requirement for a medical procedure. This medical process has to be undertaken by the insurance purchaser.

The test procedure is usually very lengthy and time consuming. Normally it would take around 4-8 weeks to get finished completely in all respects. People tend to be very critical and negative towards this particular time wasting factor. Here comes the life insurance with no medical test to the rescue. These insurances generally work without demanding for a medical test.

  • They also offer an option to fill forms online and applying for insurance over the internet. This is what that is luring the population towards this innovative version of the insurance.
  • This coverage could be availed in as little time as 24 hours.
  • The only catch with this is you just have to answer some simple health related questions honestly. The life insurance company would then review your answers and decides if you qualify for the coverage. It is normal for people to their insurances get easily approved. So you might start your life insurance the very same day.
  • The application process is simple, straight forward and coverage is available to even those people who might not have ordinarily qualified for a medically underwritten policy.
  • Though you may find the insurance cover is bit more expensive than the usual ones because the insurer is taking a greater risk without a medical procedure. But that’s the cost you incur in the bargain for the comfort and convenience.

Benefits of The Non Medical Life Insurance

There is a string of benefits that entails a non medical life insurance policy like:-

  • Foremost, as the name implies, there is no need for a medical test.
  • This version is quick with a turnaround as fast as within a day.
  • This process is simple and holds no complexities unlike the conventional ones.
  • People who are allergic to the hospital ambience or fear needles or being probed; this insurance option is cut out perfectly for them.
  • People who are totally engulfed in other activities of life like unsparing office life, attending kids, household chores and catering to various social responsibilities should opt for the insurance with no medical test.
  • Insurance proceeds available to you or your family members generally are tax free.
  • This insurance has got other benefits as well. For instance, insurance benefits like the provision of financial proceeds in the instant of death, medical expenses cover (dependent on the type of term insurance or the contract’s provision), etc.
  • This serves as a great solution in cases where one has been denied the insurance cover before because of the health conditions. Diabetes, chronic heart conditions etc. risk the process of getting an insurance cover.

Author’s BIO

Robert J Hardy is serving as a financial adviser in a reputed company form past 5 years. He had since then contributed several topics related to insurance and finance to many blogs. He has a very vast knowledge and a great expertise in the field of insurance which includes Travel insurance, Financial Planning and Life insurance with no exam. He lives in Toronto with his wife and a lovely child. For more information you can contact him on his email id that is at

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  1. 9 Responses to “Non Medical Life Insurance Guide: Why & How Does It Work Better?”

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