No medical life insurance is a type of life insurance that does not require medical tests. Some plans go even further and do not even require a medical questionnaire. This is an ideal type of insurance for those who would not be approved for traditional (also called standard) life insurance that comes with medical tests and a questionnaire to complete.

1. Things to know
about Non Medical
Life Insurance
Non medical life insurance is a type of life insurance
that does not require medical tests
TRUST LIFE
01.

2. 02. NON MEDICAL LIFE INSURANCE
What is no medical life insurance?
No medical life insurance is a type of life insurance that does not require medical
tests. Some plans go even further and do not even require a medical questionnaire.
This is an ideal type of insurance for those who would not be approved for traditional
(also called standard) life insurance that comes with medical tests and a
questionnaire to complete.

3. 03. NON MEDICAL LIFE INSURANCE
When do you need non-medical life
insurance?
You have a serious health issue (e.g. diabetes) or fitness (e.g. overweight) pre-condition that
does not allow you to qualify for a standard life insurance policy.
Your age is an obstacle in getting a traditional life insurance policy because some policies only
cover their policy holders up to a particular age.
A medical exam is not something you want to go through due to personal reasons.
You want a “quick” insurance solution that offers a small amount of coverage without any delays.

4. Because of its ease of application, non medical
exam life insurance is particularly suitable for
people who were refused life insurance, or who
suffer from serious health problems. People with
riskier lifestyles, such as those practicing
extreme sports or working dangerous jobs, or
people simply wanting to be insured without
delay are also regular customers of this type of
insurance.
For whom?
NON MEDICAL LIFE INSURANCE
04.

5. No exam does not mean that life insurance is
given on a whim. It is common to have to answer
some questions. You may have different options
depending on your unique life situation and
budget. Life insurance without medical exam is
offered fairly quickly, even instantly. Generally,
the amounts covered by no medical life
insurance are lower than for others.
How?
NON MEDICAL LIFE INSURANCE
05.

6. Because they take more risk than conventional
life insurance, non medical life insurance
policies may require a minimum of two years
before covering the full contracted amount. This
means that if death occurs within two years
following the purchase of such insurance,
beneficiaries will only receive the total amount
of premiums that were paid.
Waiting period
NON MEDICAL LIFE INSURANCE
06.

7. 07. NON MEDICAL LIFE INSURANCE
The Drawback
The drawbacks of non medical life insurance are lower insurance coverage and
more expensive premiums when compared with the premiums for the same
coverage of a conventional life insurance policy like Term Life Insurance.

8. Talk to our experienced
financial advisors to know
more about non medical life
insurance.
08. NON MEDICAL LIFE INSURANCE

9. 18558687878 csteam@trustlife.ca
www.trustlife.ca