No Medical Insurance
No Medical Life Insurance is a type of life insurance policy that provides coverage without requiring a medical exam. Instead of full underwriting, applicants answer a few health-related questions (simplified issue) or sometimes no questions at all (guaranteed issue).
It is designed for people who may have difficulty qualifying for traditional life insurance due to age, health conditions, or lifestyle — or those who want fast, hassle-free coverage.
Why No Medical Life Insurance is Important
1
Accessibility
Provides coverage for individuals who are declined or rated highly for traditional life insurance.
2
Speed & Convenience
No medical exams or lengthy underwriting — approval can be instant or within a few days.
3
Peace of Mind
Ensures families are protected even if the applicant has pre-existing health conditions or other risk factors.
4
Final Expenses Coverage
Helps cover funeral costs, outstanding debts, and other end-of-life expenses so family members aren’t burdened.
5
Bridge Coverage
Can be used as temporary protection while waiting for approval of a fully underwritten policy.
Key Features of No Medical Life Insurance
Two Main Types
Simplified Issue: Few health questions, higher coverage amounts. Guaranteed Issue: No questions asked, approval for almost everyone.
Options to renew or convert
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Canadian — every story.
Coverage Amounts
Typically ranges from $5,000 to $1,000,000 (simplified issue offers higher limits than guaranteed issue).
Fast Approval
Can be approved within minutes or days.
Level Premiums
Premiums remain the same for the life of the policy.
Waiting Period
Guaranteed issue plans usually have a 2-year waiting period for non-accidental death (return of premiums if death occurs in waiting period).
Permanent or Term Options
Available as term life (10, 20, 30 years) or permanent life insurance.
Beneficiaries
Tax-free lump-sum payment to chosen beneficiaries.
Ideal for High-Risk Applicants
Suitable for seniors, people with medical conditions, or those who dislike medical exams.
Convertible
Some plans allow conversion to traditional permanent policies later (depending on provider).
Frequently Asked Questions
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