How non-medical life insurance works
Non-medical life insurance is issued without medical tests such as blood work or blood pressure checks. Because the insurer has less information about your health, premiums are often higher and coverage amounts are capped.
📋 Simplified issue
No exam, but you answer health questions. Longer questionnaires often mean lower premiums. Coverage limits are moderate, and it may not be available if you were declined recently.
✔️ Guaranteed issue
No exam and no health questions — available even if you were declined before. Coverage is smaller, and payouts are limited if death occurs in the first two years.
Because full underwriting can give better rates, Brinder will always check whether a traditional policy is possible first.
Is this right for you?
- People who dislike or can't attend medical exams
- Applicants with health conditions
- Anyone who needs coverage in place quickly
Frequently asked questions
Is non-medical insurance more expensive?
Usually, yes — the insurer takes on more risk. That's why we compare it against fully underwritten options.
What is the two-year limitation?
Guaranteed issue plans often pay only a refund of premiums (or a reduced amount) if death from illness occurs in the first two years.
How it works
Talk to Brinder
Tell us about you and what you need — by phone, email or in person.
Compare options
We compare plans and explain the differences in plain language.
Get covered
We help you apply, then stay with you for renewals and claims.