California Life and Health Insurance Practice Exam 2025 – Complete Test Prep

The assertion that applicants are not required to answer medical questions on the application accurately describes non-medical life insurance. Non-medical life insurance typically allows individuals to obtain coverage without undergoing a medical exam, which is a key feature of these policies. However, while the medical exam is waived, applicants generally must still provide some basic medical information or answer specific medical questions as part of the application process.

This helps insurers assess risk, albeit in a limited way compared to traditional medical underwriting. Therefore, the presence of some medical inquiries is a critical aspect of the non-medical life insurance process, solidifying why this statement is not true in the context of the characteristics defining non-medical life insurance.

In contrast, the other options accurately reflect attributes of non-medical life insurance, such as coverage without a medical examination, typically resulting in higher premiums because the underwriting process is less rigorous, and approval often hinges on non-medical factors such as age and lifestyle choices.