The type of policy you choose, the amount of coverage, your age, whether you smoke, you may undergo a health assessment as part of the life insurance application process as well as your lifestyle and occupation—for example, whether you work in an industry with a lot of occupational hazards or if your hobbies include high-risk pursuits like skydiving and motorsport—are all factors.

A rider is an optional benefit or feature that you can include in your life insurance policy, usually for a fee. Life events that are not covered by your basic policy may be covered by riders. Overyour lifetime, riders may offer benefits for critical illness and more

Yes! No medical life insurance is a unique product, where you can qualify for without having to undergo a medical exam, or blood tests, has grown in popularity as a result of recent advances in the life insurance industry. You are only required to answer yes or no to health-related questions for qualification.