Without Evidence of Insurability

Definition - What does Without Evidence of Insurability mean?

"Without evidence of insurability" refers to a circumstance in which a person does not need to provide evidence of their fitness for insurance in order to purchase a policy. Evidence of insurability is often required for purchasing a life insurance policy. This can involve going through a physical examination in order to determine one's state of health.


Insuranceopedia explains Without Evidence of Insurability

Evidence of insurability can also be required for health insurance policies. Whether or not a policy can be bought without evidence of insurability depends on the individual insurance company, and the individual policy. The reason some insurers require evidence of insurability is because it can help them determine whether a person is too high of a risk to provide insurance for. For example, it may be too risky for an insurance company to provide coverage to an 89-year-old man who has had two strokes.

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