Well, some of you may presume that non-standard life insurance and life insurance are the same thing. However, any individual, who cannot be granted a policy under normal rates, but can be granted with an extra premium, is considered as a Non-Standard Life.

In the event of the insured being exposed to occupational hazards, where the nature of the duty exposes the insured to physical injury and potential disability, the insurer charges an extra premium to cover the extra risk. This is a type of sub standard life insurance.