No Medical Life Insurance in Canada

Compare policies from leading Canadian insurers – no medical exams required.

No medical exams required

Coverage available with pre-existing health conditions

Options for applicants previously declined

Simple approval for seniors

Quick and easy application process

Get your free quote

What Is No Medical Life Insurance?

No medical life insurance allows Canadians to get coverage without completing a medical exam. There are no blood tests or doctor visits required.

Approval is based on either a few health questions (Simplified Issue Life Insurance) or no health questions at all (Guaranteed Issue Life Insuranc).

These policies are designed for individuals who want fast approval or may have difficulty qualifying for traditional life insurance.

Types of No Medical Life Insurance

There are two main types of no medical life insurance available in Canada: Simplified Issue Life Insurance and Guaranteed Issue Life Insurance policies.

Insurance Type	Medical Exam	Health Questions	Approval Time
1. Guaranteed Issue Life Insurance	No medical exam required	No health questions	Very fast – often instant or within 24–48 hours
2. Simplified Issue Life Insurance	No medical exam required	Yes – short questionnaire (5-8 basic health and lifestyle questions)	Fast – typically same day to a few days
Traditional Life Insurance (Fully Underwritten)	Yes – usually required (paramed exam, labs)	Yes – detailed health, lifestyle, and history questions	Slower – typically 2 to 6 weeks (can be longer)

Simplified Issue policies offer lower premiums but require answering a few health questions. Guaranteed Issue policies require no questions at all but typically cost more.

Who Should Consider No Medical Life Insurance?

No medical life insurance is designed for Canadians who may not qualify for traditional coverage or prefer a faster, simpler application process.

• People who want coverage without medical exams
• Individuals with pre-existing health conditions
• Applicants declined for life insurance
• Seniors looking for easy approval
• Those needing fast approval

No Medical Life Insurance Quotes by Health Situation

See real examples of no medical life insurance quotes based on common health conditions and situations. All options below are available without medical exams.

No Medical Life Insurance for Seniors

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No medical exam required

Quote example:
67, female, non-smoker, Term 10 policy, $100,000 coverage

Estimated monthly rate:
$74.97

No Medical Insurance & Heart Attack

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No medical exam required

Quote example:
45, male, non-smoker, heart attack 4 years ago, stable condition, Term 20 policy, $200,000 coverage

Estimated monthly rate:
$103.64

No Medical Life Insurance for Diabetes

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No medical exam required

Quote example:
35, female, non-smoker, diabetes type II, non-insulin-dependent Term 20 policy, $500,000 coverage

Estimated monthly rate:
$51.60

No Medical Life Insurance After Cancer

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No medical exam required

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

Life Insurance with Pre-Existing Conditions

If you have a health condition, you may still qualify for coverage. Many Canadians are approved through no medical life insurance — even after being declined elsewhere.

Explore Your No Medical Life Insurance Options

Learn more about the types of policies available in Canada:

Insurance Companies Offering No Medical Life Insurance in Canada

We work with leading Canadian insurers offering no medical life insurance policies, including Assumption Life, BMO Insurance, Canada Life, Canada Protection Plan, Desjardins Insurance, Empire Life, Equitable Life, Foresters Financial, iA financial Group, Ivari, RBC Insurance, UV Insurance, Wawanesa Insurance.

Our advisors help you compare options and find the best coverage for your needs.

No Medical Life Insurance Across Canada

We provide no medical life insurance solutions across Canada, including:

Frequently Asked Questions

What is no medical life insurance?

No medical life insurance allows you to get coverage without a medical exam. Approval is based on health questions or guaranteed acceptance.

Who qualifies for no medical life insurance in Canada?

Most Canadians can qualify, including seniors and individuals with pre-existing conditions.

Is no medical life insurance more expensive?

Yes, premiums are typically higher because insurers take on more risk.

How fast is approval?

Some policies offer instant approval (Guaranteed Life Insurance), while others take 24–72 hours (Simplified Life Insurance).

What 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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