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


seniors

Seniors Life Insurance

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

Life Insurance and Heart Attack

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

Life Insurance and Diabetes

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

Life Insurance and Cancer

Get your free quote
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…
Rumbolt
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 …
Rizkalla
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…
Speers
Adele Speers
… Going through Jack Bendahan helped me understand what Life Insurance really means for my family - Security and Trust…
Lee
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.…
Mavrides
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…

Our Insurance tools will inform you


No Medical Life Insurance Insights for you

Term Life, Whole Life and Universal Life Insurance Explained

Term Life, Whole Life and Universal Life Insurance Explained

There is always some confusion among term, whole and universal life insurance. All these insurance types are normally offered by insurance companies and insurance brokers, but how do they differ from each other? We will clarify the differences in this article. First of all, one needs to understand the overall classification of these insurance types. As per the chart below, there are two basis insurance types, term and permanent, and they are based on coverage length: if coverage is available for a period of time, or until death. Furthermore, permanent insurance can be split into whole life insurance and universal life insurance. Now we will dive deeper into the difference among t[...]
Life Insurance for People with Cancer – Rate Comparison

Life Insurance for People with Cancer – Rate Comparison

The topic of cancer and life insurance is not an easy one. Cancer is a disease that falls into the category of critical illness, so all insurers treat it as a higher risk. If you were diagnosed with cancer or you are a cancer survivor, getting a life insurance quote and buying a life insurance policy is not as straight-forward as it would be for people with manageable diabetes. In this article we will highlight the options that are available to you, and also provide examples of life insurance quotes for people with cancer. First, you need to know that there are over hundred different types of cancer, and some are far more serious than others. Here is an overview of seven of the most f[...]
What Alternative Life Insurance Options Have People With Diseases?

What Alternative Life Insurance Options Have People With Diseases?

Getting life insurance is not always easy for people whose health is affected by illness and pre-conditions. Insurance is all about risk management, therefore many medical issues are seen by insurers as increased risk – and they price that risk accordingly. A person without significant health issues can benefit from the low rates of standard insurance, which is also known as traditionally underwritten insurance. If you have a serious medical pre-condition that will prevent you from qualifying for a standard rate, you have three other options. We will discuss these options below. Before starting, however, it is important to note that you can always get a life insurance policy – the [...]
Top 5 Scenarios to Consider No Medical Life Insurance Plans

Top 5 Scenarios to Consider No Medical Life Insurance Plans

There are many situations when people start thinking about life insurance, such as at birth of a child, protection of newly purchased assets (e.g. house), etc. However, the search for life insurance (market research, getting a quote, buying a policy) for some people is more complicated. There are situations when life insurance companies prefer not to take the risk and opt to reject your life insurance application. Are you at risk of being declined and if so, what can you do about it? Fortunately, there are other insurance products, outside of traditionally underwritten policies, that you can buy. In particular, no medical life insurance has lower acceptance barriers and simplified quo[...]
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[...]