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 466 reviews from ★★★★★ Sehar was very helpful. Made the process painless!Lynne FulcherLynne Fulcher ★★★★★ Sehar Bajwa was the agent with whom I spoke. She was very helpful and efficient. I was also quoted Travel Cancellation and Interruption Insurance by two other agents at different companies. I went with Sehar because she provided me with the most thorough information and an excellent rate.estolteestolte ★★★★★ Wow what a great experience these guys are so knowledgeable.steve Rsteve R ★★★★★ I recently had the pleasure of working with Dornaz at Allianz global assistance who helped me secure health and dental insurance, and I couldn't be more satisfied with the experience. From the moment we started the conversation, she was incredibly knowledgeable and attentive to my needs. She took the time to explain all my options clearly, ensuring I understood the details of each plan.What stood out the most was Dornaz’s patience and willingness to answer all my questions, no matter how small. She made the entire process smooth and stress-free, guiding me through all the process and making sure I felt comfortable with my decision. Thanks to her expertise, I feel confident that I chose the best health insurance plan for my needs. I highly recommend Allianz Global assistance services to anyone looking for reliable and friendly assistance in navigating health and dental insurance options! From my experience, Allianz Global assistance is the best insurance company outta here!ParfianoParfiano ★★★★★ Agent was very pleasant and efficient in providing an immediate quoteTom SmithTom Smith ★★★★★ I was researching for a travel emergency medical plan for seniors. Allianz was on my list but I hadn't made contact as yet. I received a call back from Ummi Hanny of Alliance as a result of one of my queries and I'm delighted with the result. She listened and guided me through the process with great skill, knowledge and understanding. She forwarded a quote and afforded me time to consider the offer over the weekend and we would reconnect early the next week. This also gave me time to continue my research with a better understanding. which I much appreciated.We spoke on Tuesday and concluded the signing of the coverage offered through Alliance. It was the best plan for me, coverage wise, duration and financially. The fact that Alliance is a European based company is a plus as that is where I'm traveling as well as non U.S, based.Ummi's engaging style lead to these discoveries for me. She was attentive, knowledgeable, personable and genuine. She represents her organization extremely well and I would not hesitate to recommend Alliance and/or engage your service in the future.SincerelyJohn S. MacDonaldJohn MacDonaldJohn MacDonald ★★★★★ Sehar Bajwa was very efficient, professional and knowledgeable. I was extremely pleased with her prompt service and pleasant personality.Eva Young powEva Young pow ★★★★★ Your customer service caller was so helpful. I felt confident going ahead and signing up for health insurance for my upcoming trip. Thank you for your patience and friendliness during the call. I feel better about spending a few days in the United States knowing I have health coverage.Beth FosterBeth Foster ★★★★★ I went online for a quote. Then Sehar called me with a quote.Sehar was wonderful. So professional and easy to understand.It was a delight speaking to her. Also the price was the best.Evelyn DicksonEvelyn Dickson ★★★★★ Artemiz Namazi was very professional, patient, and friendly while helping me purchase medical insurance for myself, my husband, and my son.krystyna Harasymowiczkrystyna Harasymowicz ★★★★★ I had a wonderful experience with this company! Ummi was incredibly helpful, professional, and kind throughout the entire process. She made everything so easy and stress-free. I truly appreciated her support and would highly recommend her to anyone. Thank you, Ummi!Miriam AssoulineMiriam Assouline ★★★★★ Recently purchased Trip Cancellation /Interruption Insurance from them. Say their advertisement on Facebook. The company was easy to deal with and provided information to make an informed decision. Despite not be able to deal with my initial contact person, Artmiz was very attentive, helpful and thorough. The rating given was earnedFern MichelFern Michel ★★★★★ Shana and George at Alliance were amazing to work with. They were very friendly and prompt in all transactions.Joe KilfordJoe Kilford ★★★★★ Sehar Bajwa she is very good helpful. Travel insurance very good purchas price .Theepan MoorthyTheepan Moorthy ★★★★★ As seniors in our + 70s we know travel medical insurance can be costly without taking out a mortgage. Fortunately our health is better than most our age or even some younger and understand Insurance Underwriters and Acturaries go by statistics. The agent we talked to Karen Write was absolutely patient and helpful. We were pleasantly surprised by the quote she gave, as the quote we had from another carrier was about 3 times more. Naturally we went with Karen Write at Alliance. We can't thank her enough for being so patient, undestanding and helpful. If in the future we are fortunate, health wise, to continue to travel we will definitely call Karen Wright at Alliance. CUDOS to Karen WrightRobert GrillsRobert Grills ★★★★★ Clear Communication and assurance of serviceEdwin DrewloEdwin Drewlo ★★★★☆ i was very impressed with sehar prompt response and helped me through with me getting what i neededNadir HabibNadir Habib ★★★★★ Sehar Bajwa was very competent and helpful. I have dealt with her for 3 years and I always get the same quality service when purchasing travel insurance from her.Judy HowardJudy Howard ★★★★★ I have just worked with Dornaz Samiei in purchasing trip insurance, and she was informed, efficient and friendly. I couldn't ask for more. Thanks.Danny SwainDanny Swain ★★★★★ Sehar Bajwa was extremely helpful while we were searching for travel insurance for our upcoming trip. Sehar provided all necessary information and setting up the required insurance was very easy and well-pricedKelly LePageKelly LePage ★★★★★ Geting tarvel insurance,all process to finalaize our insurance documents was pleasent because friendly (not puschy)and very profesional lady Sehar Bajwa thank you SEHARI R bI R b ★★★★★ Simply an Amazing Individual. The Reason I buy my Insurane from.Allianz!!!!Thank You Dornaz!Len HirschLen Hirsch ★★★★★ Dornaz was very helpful and responsive to my requests which I really appreciate!Susan MaddenSusan Madden ★★★★★ Thank you Dornaz Samiei for the above service you gave me today. You have so much knowledge and patience.Susan WhiteSusan White ★★★★☆ Great help by Alliance Sehar was a great help.anne johnsonanne johnson ★★★★★ Dealing with Dornaz was such a pleasure. Great customer service!Maida KellgrenMaida Kellgren ★★★★★ Azita was very helpful and patient with me as I was trying to make my travel insurance choice. She called me back about 3 times and when I was finally ready, she was away and Dornaz was equally helpful in completing my application. I would recommend this company!Donna HemmingDonna Hemming ★★★★☆ Very helpful and friendly people to deal with. Dornaz answered all my questions and helped me with my travel insurance. I would highly recommend this company.Dawna ShaneDawna Shane ★★★★★ I am very pleased with the service I received from Alliance. Dormaz was my contact. She was very friendly and easy to talk to. She answered all my questions with kindness, patience, and respect. She found me a policy which offered the coverage I wanted at a better price than I had been able to find on my own.Tina RhodesTina Rhodes ★★★★★ Very friendly and easy to talk with. Dornaz explained things clearly and allowed me to ask any questions.Robert HamiltonRobert Hamilton ★★★★★ Very friendly and efficient service!Frances HeywoodFrances Heywood ★★★★★ Spent time searching for best options for my needsmarg marlinmarg marlin ★★★★★ Dornaz was extremely helpful to get the right travel insurance for us. She was very friendly and knowledgeable.Barbara HanserBarbara Hanser ★★★★★ Ummi. Excellent representative. Very pleased.Darla SwardDarla Sward ★★★★★ Dornaz was very friendly and professional providing me with travel cancellation/interruption insurance.Gail CampbellGail Campbell ★★★★★ I’m so happy in dealing with Ummi Hanny , she’s absolutely a star, she really helped me finding the right insurance for me.hanne sajdahanne sajda ★★★★★ Great travel insurance Dornaz was very professional.Denise Morgan-FellDenise Morgan-Fell ★★★★★ Very pleasant, efficient and helpfulA. Ron AlgateA. Ron Algate ★★★★☆ Very easy to set up policy on a ti.ely manner.Brent ClaytonBrent Claytonjs_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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