What is a key benefit of non-medical underwriting compared to fully underwritten policies?

• A. Requires more medical tests.
• B. It is identical to full underwriting.
• C. Faster approval due to limited underwriting.
• D. It has no impact on approval speed.

Answer: (C)

Non-medical underwriting speeds up the process by limiting the information the insurer reviews, so decisions can be made without waiting for medical exams or extensive health data. That quicker review is the primary benefit, making approvals faster than with full underwriting.

The other ideas don’t fit: it doesn’t require more medical tests—in fact, it reduces or bypasses them. It isn’t identical to full underwriting, since the scope of information reviewed and the terms offered can differ. And it does impact approval speed, typically making it faster due to the simplified underwriting process.