Non-medical life insurance lets you get covered with little or no health testing — ideal if you have health concerns, want coverage quickly, or simply dislike needles and exams.
Apply without needles, nurses, or lab visits.
Coverage often in place within days.
A short application in plain language.
Instead of a medical exam, approval is based on a short health questionnaire (simplified issue) or, in some cases, no health questions at all (guaranteed issue). Coverage can often be in place within days, with the same tax-free death benefit as traditional life insurance.
Two ways to get covered without a medical — the right one depends on your health and how much coverage you need.
| Simplified issue | Guaranteed issue | |
|---|---|---|
| Health questions | A few | None |
| Coverage amount | Higher | Lower limits |
| Acceptance | Most applicants | Guaranteed |
| Waiting period | Usually none | Often applies |
Premiums are typically higher than fully underwritten policies, and guaranteed-issue plans may have a waiting period before the full benefit applies. I'll help you decide whether the speed and simplicity are worth it for your situation.
No pressure, no jargon — just a clear path from your first question to being covered.
We talk through your situation, family, and what's on your mind — in person, by phone, or online.
I work out exactly what you need (and what you don't), so you never over-buy.
I shop multiple insurers and lay the choices out side by side in plain language.
I handle the paperwork with you and follow up with the insurer on your behalf.
Free annual reviews, and I'm here to guide you through any future claim.
We can meet in person, hop on a call, or connect virtually. Whatever feels easiest and most comfortable for you.
Book a free, no-pressure consultation. I’ll explain your options in plain language and help you choose with confidence.
