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The Truth Behind No Medical Life Insurance Policies

No medical life insurance policies, also known as non-medical insurance, have become quite popular today because of a number of factors. As insurance companies do their best to differentiate their product, more and more strategies have come up to achieve this type of advantage. One of which is by making it easier for people to take out life insurance policies by not requiring them to take a medical exam before the terms are offered.

Although there are a lot of people who warn against the dangers of such easy to get policies, non-med insurance policies actually has its advantages. So long as individuals are willing to pay the higher premium required by non-med policies, they should be able to take advantage of the benefits of this particular type of life insurance policy.

Who Is It For?

As with other types of life insurance policies, no medical life insurance will suit the needs of certain individuals better. Aside from those who can afford to pay the higher premium, non-med policies are also best for people who, for one reason or another, do not want to undergo a medical exam. It is also perfect for those who need to get insured quickly as some non-med insurance policies can be taken out in as little as 24 hours. Lastly, people who want a return of premium rider are better off with this type of policy as most non-med's will reimburse policy holders with the full premium once the term comes to an end.

How Does One Qualify?

As expected, there are quite a few requirements potential policy holders need to satisfy in order to take out this type of insurance policy. Each insurance company will have its own standards but most of them will pretty much include the following qualification requirements.

Companies will need to check on customersBMI or Body Mass Index and this is done by computing for the ratio of one's weight and height. One's health history or medical records also come into play as insurance companies will need to know if potential policy holders have a history of high blood pressure, diabetes, stroke, heart disease, cancer, or other such ailments. Other requirements may include one's family health history, driving history, and medications currently taken.

Is Lying on the Questionnaire an Option?

Instead of a medical exam, companies ask customers to fill out a questionnaire in order to get information. One might think that it would be easy to falsify the information in these forms to be able to get a low insurance rate. However, no medical life insurance companies have a way of verifying this information. They can check various databases, both from the government and otherwise, and they can easily tell if they're customers are being untruthful. Better not take that chance; answer these questionnaires with all honesty.

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