Choose Best No Medical Life Insurance – Free Quotes from 20+ Insurers


Seniors Life Insurance

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Quote example: 67, female, non-smoker, Term 10 policy, $100,000 coverage Estimated monthly rate: $74.97

Life Insurance and Heart Attack

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Quote example: 45, male, non-smoker, heart attack 4 years ago, stable condition, Term 20 policy, $200,000 coverage Estimated monthly rate: $103.64

Life Insurance and Diabetes

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Quote example: 35, female, non-smoker, diabetes type II, non-insulin-dependent Term 20 policy, $500,000 coverage Estimated monthly rate: $51.60

Life Insurance and Cancer

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Quote example: 55, male, non-smoker, diagnosed with skin cancer 5 years ago, stable condition, Term 20 policy, $200,000 coverage Estimated monthly rate: $179.05

Looking for life insurance with a pre-existing condition? We can help!

When do you need to consider No Medical Insurance?

Not everybody can qualify for traditional insurance products in Canada, such as life insurance, disability insurance and critical illness insurance; but don’t worry – that’s where a relatively new insurance product called no medical insurance comes in. It is a special insurance policy that is unlike traditional (aka standard) insurance products. No medical insurance policies are issued without a medical exam. Some policy types could be also available without any health-related questions. It means that it is much easier to qualify for this insurance and get necessary protection.  

Reasons for looking into no medical insurance can vary, from being in poor health to having existing medical pre-conditions (such as diabetes, obesity, cancer, etc.). A no medical life insurance policy is also a good solution for seniors who have trouble getting traditional insurance coverage due to their age or any age-related illness they may have.  

Given its specific nature, costs for this type of policy can vary significantly across insurance providers – even more significantly than the difference in costs for traditional life, disability and critical illness coverage.  

Some life insurers in Canada have areas of expertise; for example, extensive experience in insurance quotes and selling policies (also called underwriting) to people with a history of heart disease or heart attacks, or selling to those that have a diabetes pre-condition. Others may focus more on the best protection packages for seniors.  

Our key objective is help you navigate across the many questions and options you have, and to get you the best policy while minimizing your insurance rates.

What Do Our Clients Say…

What Do Our Clients Say…
Wade Rumbolt
… When my wife passed away I contacted your office and you treated my claim as a top priority. You returned my call immediately to get the claim process started …
Maher and Salwa Rizkalla
… We have been your clients for over nine years, and we have always found your team very responsive to all our insurance and financial needs…
Adele Speers
… Going through Jack Bendahan helped me understand what Life Insurance really means for my family - Security and Trust…
Lewis Lee
… Your service has been outstanding and you helping me get an exceptional rate on my life insurance. I look forward to working with you in the future.…
Mario Mavrides
… Your approach is straightforward and is time friendly. It's a great feeling to know I have first rate professionals looking after my insurance…

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No Medical Life Insurance Insights for you

Life Insurance for Parkinson's Patients – Key Things to Know

Life Insurance for Parkinson's Patients – Key Things to Know

Despite many people’s best intentions, they put off getting life insurance. Sometimes it’s the thought of their own death or disability that disturbs them, other times it’s just a convenient thing to push to the back burner. After all, what are the chances of something happening to you…right? Unfortunately, accidents, death and illness happen and sometimes with very little warning. When something does inevitably happen, the need for life insurance becomes much more urgent. So, why life insurance for Parkinson's patients? For example, did you know that 1 in 500 Canadians are affected by Parkinson’s disease? Over 6,000 cases are diagnosed each year and 10 per cent of those cases are in peo[...]
Life Insurance No Medical - 20 Ways to Reduce Its Cost

Life Insurance No Medical - 20 Ways to Reduce Its Cost

Insurance websites offer numerous articles about ways to reduce your life insurance costs, but there is a particular category of people who cannot use many of these tips since the only policies they qualify for are life insurance no medical or guaranteed issue. These type of insurance have both positive and negative aspects. On the positive side, they come without medical tests and, in some cases, without any medical questions. On the negative side, you pay more for the coverage and the amount of coverage you can get is limited (typically under $500,000). Today we will take a closer look at this type of insurance and focus on ways to reduce its costs. So How Much Can this Type of Ins[...]
Funeral Insurance in Canada: 5 Things You Must Know

Funeral Insurance in Canada: 5 Things You Must Know

With age comes wisdom and an acceptance that life is finite. As seniors enter their golden years, many reflect on their life and the legacy they wish to leave behind. Many also realize end-of-life costs, especially funerals, can cause a burden for their loved ones. With the best interest of their family and for their own peace of mind, they turn to funeral insurance for seniors. There are five important things seniors interested in funeral insurance should ask in order to get the best quote: How much funeral insurance coverage do seniors need? What type of funeral insurance can I qualify for given my age, current health condition and any existing pre-conditions? How much wi[...]
Life Insurance After Heart Attack | Cost and Things to Know

Life Insurance After Heart Attack | Cost and Things to Know

While there are many reasons someone could suffer a heart attack – inherited heart disease, smoking, unhealthy eating or lifestyle, high levels of stress – one thing is common: a heart attack is a terrifying experience not only for the individual who suffers it, but also for that person’s loved ones and family members. After this experience, the question becomes, “how do I get life insurance after heart attack at a fair rate?” Many people who have suffered heart attacks have a very difficult time getting coverage afterwards (at reasonable rates). Fortunately, this is not always the case and, while a heart attack will certainly impact one’s life insurance rates, it is indeed possible to get[...]
Life Insurance for Diabetes Patients – Rates Comparison

Life Insurance for Diabetes Patients – Rates Comparison

Hearing that you have diabetes is stressful. The thought of injecting insulin and radically altering your diet can be overwhelming. Thankfully, the good news is that you can still have an excellent quality of life. Small changes add up to good health over time, and with so many good food and exercise options, you can be an active participant in controlling your disease. However, one question remains – can you still get life insurance for diabetes? The answer is yes. Read on to find out how. Life Insurance for Diabetes (non-smokers) No medical life insurance is specifically designed for people that cannot get traditional insurance. This is usually due to pre-existing health condition[...]