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

COVID-19 and No Medical Life Insurance: Find out more on no medical life insurance topics related to COVID-19. We are working with leaders within the Canadian life insurance industry to provide you with most current information in this difficult time. More...

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!

No Medical Life Insurance by Location

Our experienced, local insurance broker can answer all your questions and support with your application process

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…

No Medical Life Insurance Insights for you

No Medical Life Insurance Myths - Debunked and Clarified

September 17th, 2024

10 No Medical Life Insurance Myths—Debunked and Clarified What is No Medical Life Insurance? No medical life insurance is a type of policy that eliminates the need for medical exams. In some cases, it even skips the medical questionnaire altogether. This type of coverage is ideal for individuals who may not qualify for traditional life insurance, which typically requires both medical tests and a health questionnaire. There are two main types of no medical life insurance: Simplified issue no medical life insurance: Requires a medical questionnaire but no physical exam. Guaranteed issue no medical life insurance: Does not require either a medical exam or questionnaire. However, the[...]

Critical Illness Insurance Costs Revealed | 4 vs 25 Critical Illnesses

August 27th, 2024

Critical Illness Costs Compared for Various CI Insurance Types What is Critical Illness Insurance Critical illnesses such as cancer, heart disease, and strokes are increasingly common, affecting millions of people worldwide each year. These conditions can have devastating effects on individuals and their families, often leading to significant medical expenses and lifestyle changes. The likelihood of developing a critical illness can depend on various factors, including age, genetics, and lifestyle choices, making it a concern for many. For instance, a person with a family history of heart disease may be more prone to developing heart-related conditions, while someone with certain lifestyle[...]

Disability vs Critical Illness Insurance Rates for Office Workers

August 13th, 2024

How Having an Office Job Affects Disability and Critical Illness Insurance Rates Why Disability Insurance and Critical Illness Insurance Matter Even for Office Employees? Even though office employees generally have a more secure and less physically demanding work environment, it's still essential for them to consider disability and critical illness insurance. Accidents can happen unexpectedly, and disabilities may arise not only from physical injuries but also from mental health conditions, which are becoming increasingly common. In fact, about 1 in 4 people will experience a disability before they retire, with mental health issues contributing to nearly 30% of these cases. Additionally, t[...]

Disability Insurance for High-Risk Jobs: Cost and What You Must Know

July 9th, 2024

Disability Insurance for High-Risk Jobs: Cost and What You Must Know How does Disability Insurance work? Disability Insurance offers a crucial safety net that distinguishes itself from Critical Illness Insurance by providing a reliable income replacement if you find yourself unable to work due to a disability, regardless of age. This coverage is not just for the working years; it extends into your senior years, ensuring comprehensive protection throughout your life. When you have Disability Insurance, you can count on regular monthly payments that help you manage and cover essential living expenses, such as mortgage or rent, utilities, groceries, and medical bills. This financial suppor[...]

Disability Insurance for Senior Citizens: Cost and What You Must Know

June 18th, 2024

Disability Insurance for Senior Citizens: How Much is it and What Should You Know? How does Disability Insurance work? Unlike Critical Illness Insurance, Disability Insurance coverage replaces a portion of your income if you become disabled and are unable to work, even as a senior. This insurance provides monthly payments, ensuring you can cover essential expenses and maintain your standard of living during the period of your disability. These benefits continue until you are able to return to work, offering peace of mind and financial stability during a challenging time.   Are there any coverage limits for a disability insurance policy? Disability insurance policies have coverag[...]