Non Medical Insurance

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Non-medical Insurance

Non-medical insurance is a simplified way to get the life insurance coverage you need. This type of coverage is meant for people who find it challenging to get coverage through standard coverage options due to a pre-existing health concern.

What is Non-medical Insurance?

If you have ever been turned down for life insurance coverage due to pre-existing medical condition, non-medical insurance may be the answer for you. This type of insurance is a simplified way of being able to get coverage for those who are living with health concerns similar to the following:

  • Cancer
  • Diabetes (Type 1 or 2)
  • Heart problems
  • HIV
  • Hypertension
  • Life Insurance for People with HIV or AIDS


A number of life insurance companies turn down people who are living with HIV or AIDS automatically. They don’t even consider an applicant’s current health before turning them down for coverage.

Guaranteed issue life insurance plans accept everyone who applies for coverage. You don’t have to answer any questions about your health or see a doctor to get accepted. Since the insurance company accepts everyone, coverage costs more than if the insurer turned down some applicants who were too risky to insure.

Simplified issue life insurance providers will issue a policy if you answer some basic questions to determine whether you qualify for coverage. The insurer may ask whether you are healthy enough to work, about your recent health history and if you have seen a doctor for substance abuse.

Is Non-medical Insurance Right for You?

You may be interested in non-medical insurance if:

  • You have previously been turned down for life insurance coverage.
  • You want to buy affordable life insurance that will give you a good level of protection.
  • You are relatively healthy and would like an alternate insurance company to consider your application for coverage.