Getting life insurance can often mean having to undergo lengthy medical exams, of which an underlying health issue or a history of health issues could lead you to be rejected for insurance coverage. No Medical Exam Life Insurance is a type of insurance that can qualify you for coverage without the need for a medical exam.
In doing so, you can open yourself up to financial products that, in the past, you would not be eligible under. Whether you have health issues or other reasons to avoid an exam, this can be a valuable alternative for many Canadians.
How No Medical Life Insurance Works
No Medical Life Insurance is coverage designed with medical conditions in mind. Traditional life insurance options have incredibly strict and time-consuming application requirements that can make it impossible for Canadians with health issues to qualify.
No Medical Life Insurance removes some of the most significant barriers when you apply for coverage. Unlike traditional plans, when applying, the process still takes into account basic information like smoking status and age to help determine premium amounts, but you are never required to undergo a medical exam to see if you qualify.
Your health and your family’s health history have no effect on your eligibility when applying for coverage.
There are two types of No Medical Life plans you can choose from. Each offers a simple way to apply for life insurance with no medical exam barriers getting in the way of your eligibility.
| Plan | Overview |
|---|---|
| Simplified Issue Life Insurance | A life insurance policy that requires no medical exam to qualify, only a few health questions are asked to determine premium amounts and eligibility. More about Simplified Issue Life Insurance |
| Guaranteed Life Insurance | A life insurance policy that requires no medical exams or health questionnaires. This form of life insurance is intended to help those who have been denied a plan in the past due to their health or family health history. More about Guaranteed Life Insurance |
We work with all major Canadian providers to offer you the best rates on No Medical Life Insurance. Our advisors work with the whole market to find you a plan that matches your budget and unique circumstances.
Please complete our short enquiry form to get a free, no-obligation quote for No Medical Insurance.
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