Non Medical Term Life Insurance

Non-medical term life insurance is a term life insurance policy that can be purchased without the need for a medical examination. (Term life insurance provides coverage for a fixed period, for a fixed coverage amount at a fixed premium rate).

Life insurance companies recognize that typically, those under the age of 35 have little in the way of medical history. They are also aware that the death rates in this age group are relatively low. For this reason they will sometimes provide a term life policy without requiring a full medical. In some cases they will allow the purchase of this type of policy up to the age of 65 years.

The cost to the insurance company of investigating your suitability for a life insurance product can be costly. By offering a non-medical term life insurance policy, they can grant you the coverage you require following completion of a simple questionnaire.

Instant Non Medical Term Life Insurance Quote

At Arlington Greene, we pride ourselves in finding the perfect policy for the professional individual. After discussing your needs, we find the best policy for you, the ideal coverage amount, and the perfect company.

For your convenience, we offer an online quoting system so you can get a general idea of how much a policy would could cost, instantly.

What are the benefits of a Non Medical Life Insurance Policy?

With this type of policy you can typically obtain the coverage that you require more quickly. You will be asked to complete a questionnaire and your suitability for the policy will be decided upon your answers. This will include questions regarding your family history to allow the insurer to assess your potential risk for any hereditary conditions. If there is doubt, they may decide to contact your physician for a medical report.

The benefits of obtaining a term life policy remain the same. You will be safe in the knowledge that you have a level term cover which will provide a fixed death benefit amount payable to your loved ones in the event of your death (providing that you die during the term). The premiums will also remain fixed, which is beneficial for budget purposes.

How do I know if it is the right Policy for me?

If you have decided that you require a term life insurance policy then it is worth considering applying for a non-medical product.  If you are in good health with a limited medical history then this can be an ideal way to obtain the coverage that you need quickly and economically.