Non medical term life insurance is life insurance for a set period of time, usually up to 30 years, with no health exam required of the applicant.
This means, you can buy your no exam term life policy without having to take any medical exam, you just answer some health questions and the insurer decides if you qualify for the life insurance coverage.
Usually, term life policies offer you the option of choosing a term of 10, 15, 20 or 30 years coverage.
Non med term life means there is no exam, no blood test, no urine test and no nicotine testing. However, it's important that you answer all questions truthfully on the application so the insurer can determine your approval and what you should pay for your life insurance.
If you lie on the application for coverage and pass away within the first two years you are insured, the insurance company may be able to deny the claim based on material misrepresentation, which means you lied about an important health issue on your application.
With non medical life insurance you may be able to apply online and start your life insurance coverage today, if you qualify.