Non-Medical Life Insurance is a type of life insurance that doesn’t require a doctor’s visit, medical report or medical exam.

Persons aged 20 to 80 can apply for ten year Term Non-Medical Life Insurance , twenty year term Non-Medical Life Insurance or permanent Non-Medical Life Insurance plans. In case you’re concerned we might not have one suitable for you, we can personalize and create Non-Medical Life Insurance packages to help protect you and your family even if:

• You are hard to insure
• You have been declined in the past
• You are a smoker or non-smoker
• You are overweight
• You are afraid of blood exams and needles
• You have diabetes, high blood pressure or high cholesterol

Who's NOT eligible for coverage?

• If presently hospitalized, confined to a clinic, a nursing home, a rest home a special care institution or at your residence.
• If have been treated with any type of cancer during the past 2 or 3 years?
• If have been informed to have tested positive for the HIV or have been informed to have Acquired Immune Deficiency Syndrome (AIDS) or AIDS-related disease.

Underwriting

• Simplified applications on Yes/No basis.
• The health history portion of the application "walks you through" the needed information.