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...

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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!


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…
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

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

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

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[...]
Critical Illness Insurance for Senior Citizens: How Much is it and What Should You Know?

Critical Illness Insurance for Senior Citizens: How Much is it and What Should You Know?

Why is Critical Illness Insurance Important for Seniors? As we age, the likelihood of confronting a critical illness increases significantly, making senior citizens far more susceptible to serious health challenges than their younger counterparts. Compounding this vulnerability, many seniors find themselves ineligible for disability insurance due to the absence of regular employment or income at this stage in their lives. This situation is further exacerbated by the urgent nature of their treatment needs; unlike younger individuals who may have the luxury of time on their side, seniors often face the pressing reality that makes immediate and possibly more advanced treatment options—such [...]
Life Insurance and Blood Pressure

Life Insurance and Blood Pressure

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Life Insurance and Cancer

Life Insurance and Cancer

Life Insurance and Cancer: Introduction Does Life Insurance Cover Cancer? Can You Get Life Insurance with Cancer? Different Types of Life Insurance Explained What Is the Difference Between Life Insurance and “Cancer Insurance?” No Medical Life Insurance and Cancer: Rates Getting Life Insurance with Cancer Life Insurance and Cancer: Introduction Cancer is a complex and devastating disease that occurs when abnormal cells in the body grow out of control and invade surrounding tissues. These cells can spread to other parts of the body through the bloodstream or lymphatic system, leading to the development of secondary tumors. Cancer can affect anyone, regardless of age, ge[...]
Life Insurance and Diabetes

Life Insurance and Diabetes

Life Insurance and Diabetes: Introduction Can You Get Life Insurance with Diabetes? Different Types of Life Insurance Explained Standard Life Insurance and Diabetes: When to Choose it No Medical Life Insurance and Diabetes: When to Choose it No Medical Life Insurance and Diabetes: Rates Life Insurance with Diabetes Type 1 Life Insurance with Diabetes Type 2 Life Insurance for Seniors with Diabetes Getting Life Insurance with Diabetes Life Insurance and Diabetes: Introduction The rise of diabetes in Canada is a concerning trend. According to 2019 data from the Diabetes Canada Cost Model, one in three Canadians have diabetes or are prediabetic - with the vast majorit[...]