What’s the catch? Most of us have seen the advertisements on TV, or heard them on the radio: life insurance with no medical tests and no health questions. How can this be possible? Insurance companies are able to offer this…
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Cocaine Use and Life Insurance
Cocaine and crack are the second most prevalent illicit drug, behind cannabis, used by Canadians 15 and older, according to the RCMP’s Canadian Addiction Survey Unfortunately, applicants who have a history of past drug use, including hard drugs such as…
Tagged with: drugs
Obesity and Simplified Issue Life Insurance
The obesity rate in Canada is probably close to 25%, according to the Public Health Agency. However, if you find yourself among that number, this doesn’t necessarily exclude you from qualifying for life insurance. Simplified issue life insurance policies are…
Underwritten vs. Non-Underwritten Life Insurance Plans
When most consumers and life insurance brokers hear the words no medical life insurance, they think of a life insurance policy designed for someone was serious health issues.
Tagged with: plans
What Steps Should I Take If My Life Insurance Application is Declined?
Roughly 4% of life insurance applications are declined every year in Canada, which represents 32,000 applications and $8 billion in premiums. Lifestyle issues or medical history make up 80% of the reason why applications get rejected. So if you find…
5 Reasons Not to Buy Guaranteed Issue Life Insurance
Guaranteed issue life Insurance seems like a no hassle, easy way to buy life insurance. The ads make it sound so simple: no pushy salesperson, no medical tests and no health questions. However, all this convenience and simplicity comes at…
Tagged with: guarantied issue
Special Risk Life Insurance
Hunter McCorquodale Inc. offers a special risk life insurance policy that is different from other simplified issue and guaranteed issue life insurance plans. Simplified issue life Insurance policies are issued on an instant issue basis, which means the insured is…
Tagged with: high risk
When is Accidental Death Coverage a Good Fit
According to the latest statistics from Statistics Canada, around 10,000 people die by accident every year. Accidental death insurance, as the name implies, only pays out if the insured dies by accident. An insured dying by accident is much less…
Tagged with: death
Financial Advice: ‘Selling’ a Car Lease
We like to offer complex financial help to our clients, not only guaranteed issue life insurance. And we encountered number of clients bothered with their car leasing. Leasing a car from a company such as ICL may be a sensible…
Tagged with: tricks
No Medical Life Insurance On Twitter
No Medical Life Insurance opens Twitter account. You are welcome to follow stream of information about Canadian insurance industry, policy reviews and financial news, prepared by LSM Insurance team.
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