Insurance Blog

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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Assumption Life Is a leading provider of no medical life insurance. They have a variety of plans available without a medical. Assumption Life's Flex Term plans have no medical tests, but have a full range of health questions similar to those found on traditional life insurance plans. Their Golden Protection plan offers coverage on a deferred and immediate issue basis. The plan has face amounts of up to $50,000, no medical tests and ten health questions. Assumption's Total Protection Plan, which is also a no medical ...
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When most people hear the words  "No Medical Life Insurance" they often assume that there are never any health questions required to qualify on any policy branded that way. In actual fact, No Medical Life Insurance policies can be broken down into two categories: Guaranteed Issue Policies and Simplified Issue Policies. The guaranteed issue policies are the ones that include no health questions and no medical tests and the simplified issue policies have no medical tests, but there really are a short series of health ...
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Our brokers will work hard for you. Applicants with serious health issues may think that obtaining new life insurance coverage is impossible or unaffordable. This is why a broker experienced in insuring hard to insure clients is worth his weight in gold when trying to find the right coverage. Below are two case studies where the team at LSM Insurance was able to help: #1 A 48-year-old male, weighing  295 lbs with elevated cholesterol and high blood pressure was declined for life insurance and subsequently ...
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No medical life insurance is better for people with health issues.The no medical life insurance landscape in Canada has changed in recent years.Once an afterthought for many insurance companies, competition is heating up among carriers in this market. A couple of reasons for this include the following: Tighter underwriting requirements among insurance carriers have made no medical life insurance a more enticing option among consumers. Profits are being squeezed on permanent life and guaranteed critical illness insurance policies, causing many providers to look for alternative ...
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