Cancer Insurance Without A Medical

Photo by The Nation Guard

You can get protection against cancer without a medical.

Cancer is the leading cause of death in Canada.

Two out of five people develop cancer during their lifetimes and on average more than 500 Canadians are diagnosed with cancer every day. In recent years however, the survival rate has increased.

Sixty-two per cent of those diagnosed are expected to survive their battle in the first five years, according to the latest statistics from the Canadian Cancer Society.

With the higher survival rate in mind, IA Excellence‘s Cancer Guard Insurance pays up to $100,000 in the event of diagnosis. This money can be used anyway the insured likes. For example, it can pay off a mortgage, car loan, credit card or cover additional medical care expenses, such as home care or professional services and can also cover any unforeseen expenses. The best part is, anyone under age 65 is eligible for this insurance and no medical exams are required.

The insured should be aware of the following exclusions:

No benefit will be payable if within the first 90 days, following the effective date of the policy, the insured has any signs, symptoms or investigations leading to a diagnosis of cancer, or has been diagnosed with cancer outright. The coverage will not apply and no benefit will be payable if the cancer or one of the covered critical illnesses, occurs within the first 24 months following the effective date on the policy. The same exclusion exist if you exhibit symptoms or take any medications that lead to cancer 24 months prior to the start of the policy.

IA Excellence also allows the insured to top up their cancer insurance by adding additional critical illness protection and an additional rider can be added to cover strokes, coronary artery bypass surgery, heart attack, paralysis or coma. For juvenile critical illness plans, the following illnesses can also be added: cerebral palsy, congenital heart disease, cystic fibrosis, muscular dystrophy and type 1 or type 2 diabetes.

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10 comments on “Cancer Insurance Without A Medical
  1. jason says:

    I had cancer over 12 years ago can I get insurance without any exclusions.

    • LSM Insurance says:

      Hi Jason,

      We will send you a separate email now. We can send a preliminary inquiry to see if you can qualify for a traditional life insurance policy without a rating. Depending on the type of Cancer there is a good chance you will qualify for standard rates that’s the rate someone pays if they have no serious health issues.

  2. ian says:

    How much is this insurance? I am 61 an in good health other than cholesterol but who doesn’t have something

    • No Medical Life Insurance says:

      The premiums depend on the amount of coverage, your date of birth and smoking status. We will be in touch by email.

  3. Question says:

    If I had cancer and get life insurance and later die of cancer will the policy pay out

    • No Medical Life Insurance says:

      Thanks for the note. If you were truthful in your initial application and assuming the policy is not deferred or if it does have a deferred death benefit it is past the the deferred peiod the policy would pay out.

  4. Jason says:

    I had Prostate Cancer in 2010 can I get life insurance

    • No Medical Life Insurance says:

      Thanks Jason. Yes you can qualify for a Simplified Issue plan and possibly a traditional life insurance plan. The premiums will depend on the amount of coverage, your date of birth and smoking status. We will be in touch by email.

  5. Harace says:

    Thanks can you contact me on a quote for $50,000

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