A Non-Standard Life refers to an individual who is unable to obtain a policy at the standard rate of premiums, but can be granted a policy at an additional premium over the normal rate. This is often the case for individuals with pre-existing medical conditions or high-risk lifestyles. However, it is important to note that being classified as a non-standard life does not necessarily mean that an individual is uninsurable. Rather, it simply means that they may need to pay a higher premium to obtain coverage. This classification is determined by insurance companies based on various factors such as age, health, and lifestyle.
