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 Companies in Canada - Who Owns Whom

Life Insurance Companies in Canada - Who Owns Whom

The variety of life insurance companies in Canada is not what it appears to be in the Canadian market. From a consumer perspective, there are nearly 50 life and health insurance providers, but the reality is a bit different… (scroll further down to continue reading) Here you can download this infographic as a PDF What are a few key things to start with? 1. The majority of the market is owned by three life insurance giants: Manulife Financial (who also owns, among others, John Hancock in the U.S.A), Sun Life Financial, and Great-West Life. 2. The majority of life insurance companies operate nationwide because there are no significant provincial regulations similar to those in [...]
No Medical Life Insurance – 15 Myths You Need to Know

No Medical Life Insurance – 15 Myths You Need to Know

Most of the articles about insurance myths talk about typical car insurance legends, such as higher insurance for red cars. Barely anybody focuses on the misinformation about no medical life insurance! Before we start, here’s a quick recap. No medical life insurance is a type of insurance that does not require a medical test. There are two types of no medical policies: Simplified Issue No Medical Life insurance has no medical exam, but still has a medical questionnaire that you need to complete. You will answer a series of questions based on your medical history, current medical status and the state of any preconditions. Guaranteed Issue No Medical Life Insurance does not have a m[...]
No Medical Life Insurance: 22 Tips to Get the Best Rate

No Medical Life Insurance: 22 Tips to Get the Best Rate

No medical life insurance is viable life insurance option for those who either cannot qualify for standard insurance or those who prefer to skip the medical exam, which is an inescapable part of any traditional life insurance assessment. No medical life insurance has some special aspects though that you should know in advance before getting a life insurance policy. No medical life insurance comes in two different forms: Simplified issue has no medical exam, but you are asked a few questions e.g. about your lifestyle and health. It offers better rates than a guaranteed issue policy. Guaranteed issue life insurance has no medical exam and no questionnaire, meaning you can always [...]
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 the[...]
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[...]