Non-medical life insurance
Have you been declined for life insurance? Non-medical insurance may work for you. But tread cautiously and work with an honest and experienced broker.
An industry adage is that life insurance is a privilege not a right. It can be difficult to get if you have any health issues.
Non-medical insurance is life insurance that is issued without a medical exam. You just need to able to answer “no” to a series of questions. Generally it’s 150% to 300% more in premium than a medically underwritten plan. For this reason if you can qualify for a medically underwritten plan this is a better option. But it not, there’s non-medical to fall back on.