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

 
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Seniors Life Insurance

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

No Medical Life Insurance Insights for you

No Medical Disability Insurance in Canada: 4 Things to Know

No Medical Disability Insurance in Canada: 4 Things to Know

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. Disability insurance is very important for anyone who relies on the income they earn. Is it possible to get disability insurance if you have a pre-existing health condition? The answer is yes! Let’s learn how disability insurance works, and then explore no medical disa[...]
No Medical Life Insurance vs Traditional Life Insurance Rates

No Medical Life Insurance vs Traditional Life Insurance Rates

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[...]
Dangerous Jobs and Life Insurance: What You Must Know?

Dangerous Jobs and Life Insurance: What You Must Know?

You know that protecting your family with life insurance is a smart move, but what if you have a career that makes underwriters view you as risky to insure? Some of the most rewarding careers are the riskiest, but there are still ways to get life insurance at an affordable rate. Today we will look at which jobs increase your life insurance rates the most, and how to get life insurance for risky careers. Dangerous Jobs that Increase Your Life Insurance Rates Logging & Forestry Logging is considered one of the most dangerous jobs in the world. In Canada, fatality rates among loggers are better than most other nations, with 33.3 out of 100,000 – but it’s still considered a very high-risk[...]
How to Choose the Right Life Insurance – Visual Decision Help

How to Choose the Right Life Insurance – Visual Decision Help

When insurers sell a policy, they always assess risks associated with that policy. Those with lower risks (e.g. younger person, no bad habits, no health pre-conditions) get life insurance rates that are typically lower than those with a history of health pre-conditions and a number of bad habits, like smoking. Based on these risks, you can qualify for one or more of these four insurance types (shown here in order of increasing risk, and thus, increasing coverage costs): Traditional Life Insurance (also called Standard Life Insurance) Rated Traditional Life Insurance (also called Rated Standard Life Insurance) Simplified Issue No Medical Life Insurance Guaranteed Issue No [...]
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 [...]