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What is Non-Medical Life Insurance?

What is Non-Medical Life Insurance?

Non Medical Life Insurance is for those who want the quickest possible coverage without going through a longer underwriting process.  There is no medical examine with Non-Medical Life insurance. The insurance company only uses your existing health information to underwrite your policy.

To get the best rates requires some form of medical underwriting.  This often involves  a medical examiner who comes to your home or office to ask medical questions, measure your height and weight. Then depending on your face amount the examiner takes a blood and urine specimen.This medical exam is linked with your medical records to determine your health status.

Non-medical life insurance avoids the medical exam steps, underwriting is accomplished through questions and electronically available information.  The trade off is slightly higher rates then a medically underwritten policy if you are healthy, but coverage can be put in force without the hassle of medical testing.

 This product is a fully underwritten product which allows for rapid decision on  available medical criteria.  If you have any of the following medical conditions we recommend you use our fully underwritten products. 


Heart attack,
Heart by-pass/angioplasty,
Sleep apnea and stroke/TIA

Web-based technology and underwriting innovation enable to offer a fast, hassle-free purchase experience. MyTerm.com uses Assurity Life's Non-Med Term 350 Policy to offer the best rates possible on your Non-Med Life Insurance Policy.

There are no exams, no tests, no waiting periods and processing delays. Issuance depends only on the answers to the medical questions and your health history, no medical examine is necessary.

Coverage is available in amounts up to $350,000 for level term periods of 10,15, 20 or 30 years depending on your age and insurability. Your premiums are guaranteed not to increase during the term period your choose. After the level premium period ends, the policy may be renewed with annual rate increases, regardless of your health.