Everyone wants to know what is non medical insurance and how it work ? . There are  only a few companies offering it and some light restrictions that most should be aware of. Jack Bendahan your Toronto Life Insurance Broker will give you a great education on all the products out there and advantages of non medial insurance for people with health issues, etc.

My Non Medical Insurance Strategy

For those of you who have some major health issues and or worried that you will get declined, put through hurdles to get a rate that is crazy expensive, or worried about a decline showing up on your records preventing you from getting approved with any other insurance provider. A strategy I frequently use for my high risk clients as a very first step is to gain instant approval with one of the non medical insurance companies out there. You may be wondering why, if you apply to another company and do medicals and get declined you will not even be able to get non medical insurance instantly or you may only qualify for non medical insurance that only quick in after to two years. Lets face it know one likes this product but its your only option and you are desperate enough you will take the non medical insurance with the 2 year waiting period. One thing I have also noticed where a client may have significant serious health issues that will force the insurance company to give him a rating: translated a higher price then the average person. From what I have seen usually the non medical premiums are often cheaper and they don’t require you jump though tonnes of hurdles which can be very frustrating.

Non Medical Insurance is as Easy as Pie

Non medical insurance is as easy a pie to get approved. You have 10-15 short question to answer, no medical to complete and the coverage starts instantly, plus you will get your printed policy a short time later. I always put a non medical insurance into place as a safety net in case a decline occurs if we decide to apply to other insurance companies simultaneously. If this occurs one of the question on the non medical questionnaire asks if you have been declined in the last 2 years, hence the reason for getting the non medical insurance in place first.

Jack Bendahan can be reached at 905-761-9986 is available to answer all your non medical insurance questions and will provide you with quotes anytime, he can also be emailed at jack@lifeman.ca.