6 Reasons to Get No Medical Life Insurance

If you have existing medical conditions, or have had problems with health in the past, getting life insurance coverage might seem like an impossible task.

The truth is that with non-medical life insurance, you don’t have to go through any medical tests to get the coverage you need. That makes it possible to secure a policy even if you have been denied before due to medical issues. Here are six reasons why this could be right for you, no matter what your current situation might be.

  1. No Medical Tests Necessary

Applying for life insurance can sometimes be a long and tedious process.

You have to schedule an appointment, take time off from work, and then sit through a series of medical tests that can both uncomfortable for you, especially if you have fear of needles. If you have a pre-existing condition, you may not even qualify for coverage.

But with no medical life insurance, none of that is necessary. You can simply fill out a short application and get your coverage in as little as 24 hours.

  1. Quick approval

One of the best things about no medical life insurance is that it’s quick and easy to get approved. In most cases, you can be approved for coverage in just a few hours, without having to go through a lengthy underwriting process.

  1. Flexibility

Non-medical life insurance policies are often more flexible than traditional life insurance policies. Firstly, you may be able to get coverage without having to take a medical exam. This can be especially beneficial if you have a health condition that makes it difficult to get life insurance coverage.

Also, non-medical life insurance policies often have more relaxed underwriting requirements.

  1. Adjustable payments

You can choose how much you pay each month, and the amount of coverage you receive. This makes it easy to find a no medical life insurance policy that fits both your budget and your needs.

  1. Peace of mind

One of the main reasons people choose to get life insurance is for peace of mind. Knowing that you and your loved ones are taken care of financially in the event of your death can provide a great sense of security.

  1. Easy accessibility

Non-medical life insurance is one of the most easily accessible forms of life insurance, especially if you have been rejected for any traditional term life plan before.

This is because you are not required to take a medical exam in order to qualify for coverage. This means that your rates will be based solely on your age, gender, and smoking status.


Considering a no medical life insurance? Get in touch with our advisors to know whether it suits you the best.