Without Evidence Of Insurability

What Does Without Evidence Of Insurability Mean?

“Without evidence of insurability” refers to a situation where an individual is not required to demonstrate their eligibility or health status to obtain an insurance policy. Typically, evidence of insurability is necessary when purchasing life insurance and often involves undergoing a physical examination to assess the individual’s health condition.

Insuranceopedia Explains Without Evidence Of Insurability

Evidence of insurability may also be required for health insurance policies. Whether a policy can be purchased without providing evidence of insurability depends on the specific insurance company and policy. Insurers often require evidence of insurability to assess whether an individual poses too high a risk to insure. For instance, it may be considered too risky for an insurance company to provide coverage to an 89-year-old man who has experienced two strokes.