Yes, I used it incorrectly in my post, but it has become so common to say non med, when actually referring to no exam. The term non med really doesn't make sense, when you're checking MIB, Rx and possibly going to be interviewed by an UW.
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- Thread starter rousemark
- Start date
- 5,988
Non Med is just a term that is shortened.
I'll tell prospects - just answer some questions about your health, the Insurance Company will check your MIB and do a Script check and possibly a Driver History check.
No medical exam required - no paramed, fluids, blood work, etc.
But even with GI - some Carriers ask health questions.
I'll tell prospects - just answer some questions about your health, the Insurance Company will check your MIB and do a Script check and possibly a Driver History check.
No medical exam required - no paramed, fluids, blood work, etc.
But even with GI - some Carriers ask health questions.
- 30,093
If they ask health questions, then it can't be GI Tom.
- 5,988
If they ask health questions, then it can't be GI Tom.
Nationwide and CFG ask if you have HIV / AIDS. I consider that a "health" question.
But, I hear ya.
- 10,550
Incorrect. If a policy asks health questions it is not GI. Maybe its SI (simplified issue) meaning no exam needed and very few health questions to answer.
But GI means zero health questions. Not a single one other than if you are alive.
Non-Med is an established term in this industry that means zero medical requirements to be approved for a policy. Its been that way for decades.
You can use whatever term you want with your clients, they wont know the difference, but that doesnt make you correct.
- 30,093
I've never seen that question, "Are you alive?", on an app. Life or health.
What Tom is referring to is called "almost GI" by many FE agents. besides the ones he mentioned, some FE Modified plans are almost GI.
- 5,988
- Thread starter
- #38
It makes sense if you are using it to specify no medical exam.
- 10,550
But calling a tomato a potato is incorrect. That is what you are doing. Its a totally different process and meaning.
I am not trying to put you down. I am just trying to share the correct terminology.
If you willingly choose to use incorrect terminology that is on you.
But why you would choose to use incorrect terms... especially among other agents... makes zero sense other than you just not wanting to admit you used the term incorrectly... which shouldnt be a big deal. You cant know everything, and that is ok.
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- 10,550
Other than the fact its a term that already existed that has a different meaning.
Non-Med: no part B required on the app
No-Exam: no medical exam required, part B is still required
Different terms, different meanings.
I get how it could be easily confused. But just because it could make sense for the other, doesnt make it the correct term.
If nobody corrects an incorrect term... then more and more agents become confused and are using incorrect terminology.
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