Insurance Blog

Foresters' Easy Term plan offers a unique solution for clients who like to travel to otherwise uninsurable locations. Applicants can qualify for up to $250,000 in coverage with no medical tests. The plan is renewable and convertible. The policy does not offer preferred rates, and its health questions are comparable to those found in most traditional life insurance applications ...
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Two of the leading direct suppliers of guaranteed issue life insurance in Canada are BMO Insurance and Manulife Financial. Both guaranteed issue plans are available via the suppliers' respective websites and call centres, but they are not available via their independent broker networks. Manulife Financial Cover Me Guaranteed Issue Life Insurance No medical tests and no health questions Face amounts up to $25,000 Premiums guaranteed never to increase The beneficiary receives five times the coverage if the insured dies by accident The death benefit is ...
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Currently, 73,000 Canadians live with HIV/AIDS — up from 69,000 in 2001. They can expect to live into their early 70s, making life insurance a realistic possibility. Traditional life insurance is generally not available for people with HIV. Most simplified issue plans (which include no medical tests and a limited number of health questions) also have an HIV/AIDS-related question. However, guaranteed Issue life insurance (which include no medical tests and no health questions) are available. The Edge offers up to $25,000 in coverage. Bingham Group Services also offers a ...
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Three of the top no-medical life insurance providers in Canada are Canada Protection Plan (underwritten by Foresters Life Insurance Company), Assumption Life, and Industrial Alliance ...
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About 50,000 Canadians are arrested and charged with a DUI each year. If you have been arrested for a DUI then you may need someone like these philadelphia criminal lawyers to help your legal battle. A DUI will definitely have an impact on your ability to obtain a traditional life insurance policy. It's never a good idea to put yourself or anyone else's life at risk. With this being said, if you know of anyone who has been convicted of a DUI recently and are ...
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Industrial Alliance offers a unique simplified issue term life insurance plan for seniors. Many companies offer simplified issue whole life insurance, but the number of simplified issue term insurance providers is much more limited. A plan called The Alternative is a non-renewable and non-convertible 20-year term policy, which offers guaranteed level premiums for the entire term. Face amounts on the policy can range from $10,000 to $100,000. The policy includes four health questions and limits the death benefit in the first two policy years, for non-accidental ...
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If your bedridden, you won't qualify for this policy. Desjardins offers a simplified issue permanent life insurance policy called 50+ Life Insurance. The policy has no medical tests, but does have a few health questions. If you're a Canadian resident and can answer "No" to each of the following four health questions, you're automatically eligible for 50+ Life Insurance: ...
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There are a lot of deferred death benefit options with no medical tests or questions. A deferred death benefit life insurance policy is one which limits the payout for the first few policy years on non-accidental deaths. Usually, the deferment period is two years, although some plans extend the deferral period for up to four years. All guaranteed issue policies come with a deferred death benefit. The reason for this is guaranteed issue policies have no health questions and have no medical tests, so the ...
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No medical tests necessary for Canada Protection Plan's Whole Life Policies.Canada Protection Plan offers four separate no medical whole life Insurance plans ...
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According to the latest stats from the U.S. Bureau of Labor Statistics, the Top 10 Most Dangerous Jobs in America are the following: ...
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