No Medical Life Insurance in Canada
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
Quote example:
67, female, non-smoker, Term 10 policy, $100,000 coverage
Estimated monthly rate:
$74.97
No Medical Insurance & Heart Attack
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
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
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.
Heart Attack »Diabetes
Type 1 and 2 »Cancer »Obesity »HIV / AIDS »Depression »Multiple Sclerosis »Other pre-conditions »
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).
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.
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