Non-Medical Life Insurance
Essential coverage — without the medical exam.
If you've been declined before, have a pre-existing condition, or simply want coverage in place quickly, non-medical life insurance is built for you. There's no medical exam — approval is based on a short set of health questions, or in some cases no questions at all.
I'll match you to the right type of no-exam coverage and the insurer most likely to approve you, so you get protection without the wait or the paperwork.
What this coverage gives you
No medical exam
Skip the bloodwork and appointments — answer a few questions and get a decision quickly.
Simplified issue
A handful of health questions, faster approval, and meaningful coverage amounts.
Guaranteed issue
Acceptance regardless of health for those who've had trouble qualifying elsewhere.
Great for final expenses
A practical way to cover funeral costs and small debts so loved ones aren't burdened.
Who it's for
- People with pre-existing conditions
- Anyone previously declined for coverage
- Seniors seeking final-expense cover
- Those who want coverage in place fast
- People who'd rather avoid a medical exam
Frequently asked
Is non-medical insurance more expensive?+
It can cost more per dollar of coverage because the insurer takes on more unknowns. But for many people it's the difference between having protection and having none — and I'll find the most competitive option available to you.
How fast can I be covered?+
Simplified-issue policies can often be approved in days rather than weeks. Some guaranteed-issue plans are effective almost immediately, subject to the policy terms.
How much coverage can I get?+
Amounts vary by product and insurer — simplified issue generally offers higher limits than guaranteed issue. I'll show you the options that fit your needs and budget.
Protect your future with a free consultation
No pressure, no obligation — just clear, independent advice tailored to your life. Find out where you stand in a quick conversation.