Non-Medical or Simplified issue
If you’re looking for cost effective insurance without having to go through medical examinations and blood/urine tests, Non-Medical or Simplified issue insurance is right for you. Though you will still be asked a medical questionnaire, that’s the extent of the screening. The process is simple and fast.
It is basically similar to regular term insurance, but is slightly more expensive because the insurance company is taking on more risk by not doing a thorough medical exam up front.
For quick, easy and affordable insurance, look to non-medical or simplified issue.