No Medical Life Insurance

Rest assured, even with pre-existing conditions, No-Medical Life Insurance has you covered. It assures that your loved ones will be financially supported in the event of your passing. Cover final expenses, existing debts, safeguard investments, or fulfill all these requirements.

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Our Reviews

Excellent4.8 Based on 352 reviews from ★★★★★ Artmiz was very pleasant and efficient to deal with. She was prompt in her replies, and in answering any other questions we had. Her travel insurance pricing was the best that we found,Jean BamfordJean Bamford ★★★★★ Artmiz was totally great!! She is so pleasant, efficient and she gave us the best price and advice!! It was a pleasure to work with her.Ian BamfordIan Bamford ★★★★★ Very good. LovelyDonna KeenanDonna Keenan ★★★★★ Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.catherine onishicatherine onishi ★★★★★ Ummi is always helpful and professional. She has been helping our family for all travel insurance over the past years.MargieMargie ★★★★★ Ummi is courteous and professional. Good job!Rod SetoRod Seto ★★★★★ Artmiz was very pleasant and helpful in providing the coverage needed for my trip.John CliffordJohn Clifford ★★★★★ Nice Dealing And Nice Explanation…Harman BasraHarman Basra ★★★★☆ I want to let everyone know that when you buy your insurance from Alliance, buy it from Dornaz. I have had 2 separate policies through her and can't say enough about her thoroughness, knowledge of the product and her customer service. It was pleasure dealing with her.Nola DyckNola Dyck ★★★★★ Great customer serviceJennifer PhillipsJennifer Phillips ★★★★★ I had a very good experience with Dornaz. She was very helpful and got my policy together quickly. I will certainly recommend her to my friends.Steve StaplesSteve Staples ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinberg ★★★★★ We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.Kathy CastleKathy Castle ★★★★★ It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.Tom BrailsfordTom Brailsford ★★★★★ I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks UmmiJeff LangJeff Lang ★★★★★ We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,Heinz KriegerHeinz Krieger ★★★★★ Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.Milos RudolfMilos Rudolf ★★★★★ Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.Tracy HastingsTracy Hastings ★★★★★ I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.Lise BeaulneLise Beaulne ★★★★★ Ummi. was very helpful and pleasant. Billwilliam rockwilliam rock ★★★★★ Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.Danny ChinDanny Chin ★★★★★ My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.Stephanie RumbleStephanie Rumble ★★★★★ Eric and Bob were both extremely helpful and attentive to my needs.Paul CodyPaul Cody ★★★★★ Teresa was great. Addressed all my concerns.Robert CarterRobert Carter ★★★★★ The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.Simin MeshginnafasSimin Meshginnafas ★★★★★ I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍Mark EngelMark Engel ★★★★★ Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .Michael BoudreauMichael Boudreau ★★★★★ Excellent service by Eric Clementi and Ryanmargaret burnsmargaret burns ★★★★★ Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.Bonnie SmithBonnie Smith ★★★★★ Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.Marsha RisserMarsha Risser ★★★★★ I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.Marilee Van BuskirkMarilee Van Buskirk ★★★★★ It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.Mohinder BangaMohinder Banga ★★★★★ I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!Bruce YeeBruce Yee ★★★★★ Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!Beverley HowickBeverley Howick ★★★★★ Eric Clementi is the manYunus PatelYunus Patel ★★★★★ I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.Muhammad KoyaMuhammad Koyajs_loader
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Shopping for No Medical Life Insurance? We Can Help!

We make finding the right insurance coverage fast and simple by connecting you with the best insurance providers in Canada.

Browse options, compare rates, and save more on HealthRates.ca.

Understanding No Medical Life Insurance

No-medical life insurance, also referred to as “non-medical life insurance,” provides a convenient option for Canadians to obtain coverage without undergoing a full medical examination. Unlike traditional policies that involve extensive underwriting and health assessments, no-medical life insurance streamlines the process, allowing you to secure coverage swiftly.

In 2021, Canadian life and health insurers covered over 29 million individuals (approximately 76% of the population). However, 44% of Canadians still lack life insurance. Insurers paid out a record $113 billion in claims, a 17% increase from the previous year. Health-related claims, including mental health support, reached $30.4 billion. Insurers responded to the pandemic by increasing mental health support, with counseling and therapy claims surging by 75% since 2019. Workplace benefits also improved, enhancing employee well-being. Canada’s insurers maintain robust financial reserves for reliable protection during unforeseen events.

Key Benefits

Here are the key benefits of having no-medical life insurance in Canada:

Simplified Application Process:

  • When applying for no-medical insurance, you won’t need to undergo a comprehensive medical exam. Traditional life insurance policies often require detailed health assessments, which can be time-consuming and sometimes uncomfortable.
  • With no-medical coverage, the application process is straightforward. You’ll fill out a simplified form, answer basic health-related questions, and provide relevant information about yourself.
  • This simplicity is especially helpful for busy individuals who want to secure coverage without the hassle of doctor visits and lab tests.

Accessible Coverage:

  • No-medical insurance is more inclusive than traditional policies. It’s designed to accommodate people with pre-existing health conditions or those who may not qualify for standard coverage due to their medical history.
  • If you have diabetes, high blood pressure, or other health issues, no-medical insurance ensures that you can still protect your loved ones financially.
  • Keep in mind that some policies may have age restrictions (usually up to 75), but overall, no-medical coverage offers accessibility.

Timely Approval:

  • The absence of a medical exam speeds up the approval process significantly. While traditional policies involve thorough underwriting, which can take weeks, no-medical insurance can be approved within days.
  • If you need coverage urgently, perhaps due to travel, a mortgage, or family responsibilities, no-medical policies provide a quick solution.
  • Remember that the faster approval doesn’t compromise the quality of coverage; it’s simply a more efficient process.

Final Expenses Coverage:

  • No-medical life insurance helps cover end-of-life expenses. These include funeral costs, outstanding debts (such as credit card balances or loans), and legal fees.
  • By having this coverage, you relieve your family from the financial burden during a difficult time. They won’t have to worry about arranging funds for your funeral or settling outstanding bills.
  • Consider the peace of mind knowing that your loved ones won’t face financial strain when dealing with your affairs.

Different Types of No Medical Life Insurance

In Canada, there are four types of no-medical life insurance:

Accelerated Issue Life Insurance

This type typically provides coverage without a medical exam, and approval is faster (usually within a few days). It’s suitable for individuals who need coverage quickly.

Features:

  • No medical exam required.
  • Approval is faster (usually within a few days).
  • Suitable for individuals who need coverage quickly.

Considerations:

  • Coverage amounts may be limited.
  • Premiums tend to be higher than traditional policies.
  • Health questions are still asked during the application process.

Ideal For:

  • People who want quick approval without a medical exam.
  • Those who need temporary coverage or have an urgent need.

Guaranteed Issue Life Insurance

With guaranteed issue policies, there are no health questions or medical exams. Approval is guaranteed, making it an option for those with health issues or pre-existing conditions.

Features:

  • No health questions or medical exams.
  • Approval is guaranteed.
  • Suitable for those with health issues or pre-existing conditions.

Considerations:

  • Coverage amounts are typically lower.
  • Premiums are higher due to the guaranteed approval.
  • Waiting periods may apply (usually 2 years).

Ideal For:

  • Individuals with serious health conditions.
  • Seniors who want guaranteed coverage.

Simplified Issue Life Insurance

These policies require minimal health questions but no medical exam. They strike a balance between speed and coverage.

Features:

  • Minimal health questions (no medical exam).
  • Faster approval than traditional policies.
  • Balance between speed and coverage.

Considerations:

  • Coverage amounts may vary.
  • Premiums are generally higher than fully underwritten policies.

Ideal For:

  • People who want quicker approval but still need substantial coverage.
  • Those with minor health issues.

No-Medical Guaranteed Life Insurance

This type ensures approval without health questions or exams. It’s ideal for those who want guaranteed coverage regardless of their health status.

Features:

  • Approval without health questions or exams.
  • Guaranteed coverage regardless of health status.
  • Quick and straightforward application process.

Considerations:

  • Coverage amounts may be limited.
  • Premiums are higher due to the guaranteed approval.

Ideal For:

  • Individuals who prioritize simplicity and guaranteed acceptance.
  • Those who want to avoid health-related questions.

Tips for Saving Money on No Medical Life Insurance

At HealthRates.ca, our mission is to assist you in optimizing your savings. The most effective strategy for cost savings in getting no medical life insurance involves comparing rates from various providers. However, this task can be time-consuming. Fortunately, HealthRates.ca streamlines the process by evaluating rates from major Canadian insurers through our online quote request feature. This ensures that you effortlessly receive the best options available. Additionally, we’ve outlined straightforward methods to help you save more money on no medical life insurance:

Compare Rates:

  • Why: Different insurance providers offer varying premiums for the same coverage. By comparing rates, you can find the most cost-effective option.
  • How: Use online tools or work with an insurance broker to obtain quotes from multiple insurers. Look beyond just the premium—consider the policy features, riders, and financial stability of the company.

Understand the Types of No Medical Insurance:

  • Simplified Issue: No medical exam, but a few health-related questions. Typically offers coverage up to $150,000.
  • Guaranteed Issue: No medical exam or health questions. Available to everyone, with coverage limits around $25,000.

Work with an Independent Broker:

  • They understand the hard-to-insure market and can guide you to the right plan.
  • Carriers frequently update their products, so having an expert helps.

Preliminary Inquiries:

  • Use these to explore fully underwritten plans. Your broker can provide information to determine eligibility.

Obesity Considerations:

  • Different insurers have varying build tables. Pay attention to these when assessing your options.

Watch for the 2-Year Waiting Period:

  • Some no medical plans limit payouts during the first 2 years (except for accidental death).

FAQ’s – No Medical Life Insurance

Learn more about No Medical Life Insurance with our FAQ section. Get answers to common questions about coverage, benefits, and more.

No-Medical Life Insurance provides coverage without requiring a medical exam, making it accessible to individuals with health concerns.

Eligibility is typically broad, catering to those who may struggle to qualify for traditional policies due to health reasons.

The application process is streamlined, often involving a simple health and lifestyle questionnaire instead of a medical exam.

Premiums may be slightly higher compared to traditional policies due to increased risk, but it offers convenience and accessibility for many applicants.

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