What is a "nonmedical" report in the context of an insurance application?

A "nonmedical" report in the context of an insurance application refers specifically to a short-form medical report provided by the agent. This type of report does not require a full medical examination of the applicant but instead contains basic health information that the agent collects through an interview or review of the applicant's medical history.

The purpose of a nonmedical report is to gather essential health-related details to assess the risk associated with insuring the applicant. It is typically quicker and less invasive than a standard medical examination, allowing for faster processing of the insurance application. This contrasts with options involving a standard medical exam or an extended medical evaluation, which are more comprehensive and require more involved procedures. Similarly, required medical follow-up would imply additional steps or tests after an initial assessment, whereas a nonmedical report serves as a preliminary step in the underwriting process.