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

Cheap Life Insurance: Which One is the Cheapest and How to Get It

July 28th, 2020

Life Insurance during and after the pandemic Life insurance has always been a part of life for many Canadians, either in the form of an individual life insurance policy, a group life insurance policy, or as mortgage life insurance. The COVID-19 pandemic brought some changes; in particular, the increased ability to get many different types of life insurance, even cheap ones without a medical exam. Nevertheless, if you are starting to look into life insurance options, it is important to be sure to look at different companies for quotes as well as understand the different life insurance types, how they compare, and which ones are cheaper than others. What are the different types of insura[...]

COVID-19 and No Medical Life Insurance – What You Must Know

April 23rd, 2020

The latest COVID-19 developments The coronavirus (COVID-19) pandemic continues to spread around the world at an alarming rate. In April, the virus had infected more than 2 million people and caused over 170,000 deaths worldwide. During April, Canada experienced more than 30,000 infections and over 1,700 deaths. Everyone knows someone who has been affected by the pandemic, through illness, which is why so many people have already opted for safe sanitization for all environments in their homes, and workplaces to keep the virus at bay. With numbers rising sharply, particularly in the U.S. and Europe, and without a vaccine in place, insurance companies are trying to adjust their approaches, pr[...]

No Medical Life Insurance and COVID-19 | 5 Things You Must Know

April 7th, 2020

The COVID-19 Pandemic in Canada The Coronavirus (COVID-19) pandemic continues to spread around the world with over 1,350,000 people infected and more than 75,000 deaths to date. Canada is affected with over 17,000 cases and nearly 325 deaths as of April 6, 2020. These numbers are heartbreaking – the crisis impacts every person, every company, and every industry. The insurance industry is not an exception and many insurance companies are dealing with the uncertainly of how to manage this risk. We talked to life insurance professionals to understand what will change with respect to life insurance and, in particular, no medical life insurance. What is No Medical Life Insurance? As opposed t[...]

No Medical Disability Insurance in Canada: 4 Things to Know

April 17th, 2019

When you think about life insurance, you often think of the benefit your family receives if you pass away. However, life insurance covers far more risks than death. Disability is actually a greater risk than death for the average, healthy, middle aged Canadian adult. According to MoneySense, nearly 1 in 6 Canadians, before they turn 50, will experience a disability that disrupts their income for three months or longer. This will mean that they have had to change their life around for a period of time, especially if that disability gradually grows. There will be multiple things they'll need to deal with, like looking into motorized scooter rentals, adjusting their accommodation, applying for[...]

No Medical Life Insurance vs Traditional Life Insurance Rates

April 16th, 2019

The term “no medical life insurance” has been floating around for some time now. Many are aware that it exists but are not sure of what it comprises. Today we will break down the ins and out of no medical life insurance and show you how it compares to traditional insurance both in policy types and rates. What is No Medical Life Insurance? No medical life insurance is a policy anyone can apply for without having to take a medical exam. On the other hand, traditional life insurance is fully underwritten – which means you need to take a medical exam and pass it in order to qualify for the best rates. The problem with traditional insurance is that not everyone can pass the medical exam. Com[...]