If you have an underlying health issue or a family history of a particular medical condition, you could face challenges with getting a life insurance plan. Many Canadians in Quebec have some experience with being denied life insurance coverage in some form due to a medical issue because traditional coverage options require medical exams to apply. Insurance companies use these medical exams to determine who is more and less risky to take on as a client. But this aspect of getting life insurance can leave many without the plan they need for their loved ones’ financial security.
No medical life insurance plans are a unique and more accessible form of life insurance designed to help Canadians with medical issues find coverage. Unlike traditional plans, no medical life insurance policies have no medical exam requirement during the application process. Without this requirement, your health and family health history has no impact on your eligibility, so there are always simple and convenient options.
For more information on the types of no medical life insurance plans, see our table below:
|Simplified Issue Life Insurance||These plans only have one simple requirement, a short health questionnaire when you apply. No medical exams are ever required with simplified issue life insurance. More about Simplified Issue Life Insurance|
|Guaranteed Life Insurance||Guaranteed life insurance has the most streamlined application process, requiring no medical exams or health questionnaires to be eligible for coverage. More about Guaranteed Life Insurance|
We are dedicated and professional no medical life insurance specialists who work across Quebec, providing Canadians with various plan choices. No matter your unique needs or your budget, our team of advisors can help you find a plan that works best for you.
For more information and a free no-obligation quote, please complete our short free quote form on our website. Once that is submitted, a representative will contact you and provide you with your free quote and more information about your options.
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