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 policy. To get the best rates require some form of medical underwriting. This often involves a medical examiner who comes to your home or office to ask medical questions, then take a blood and urine specimen. This is evaluated along with your medical records if necessary to determine your health status, whether you are preferred best, preferred, standard or rated. With non-medical life these steps are avoided, 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 is put if force at a quicker pace.
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.
Sleep apnea and stroke/TIA
Web-based technology and underwriting innovation enable Fidelity Life to offer a fast, hassle-free purchase experience. With our Rapid Decision Term product and our state-of-the-art Rapid App application, approval and delivery process has been streamlined to allow you to obtain coverage from Fidelity Life in days, not months.
There are no exams, no tests, no waiting periods and processing delays.* Issuance depends only on the answers to a few health questions. This rapid decision-making process is the work of experts who have the knowledge and experience to provide solutions that are both forward looking and practical. It's a benefit you won't likely get from any other insurer.
Rapid Decision Term is a level death benefit term life insurance product to age 95. Guaranteed level premium periods of 5, 10, 15, 20 and 30 years are available. After the level premium period, rates increase each year through age 94. The policy is convertible during the first 10 policy years or to age 65, whichever comes first.
Our Rapid Decision Term product also features a number of valuable riders such as Accelerated Death Benefit which is included with the policy and optional riders such as Return of Premium, Waiver of Premium, Dependent Child, and Accidental Death.