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No medical exam life insurance is available to Canadians aged 20 to 85 and provides coverage with no health exams or medical reports. The application involves a simple health questionnaire. The fact that there is no medical exam speeds up the application process; therefore, you can be covered in a matter of days not weeks or months.

What Insurance plans offer a No Medical Option?

While the types of insurance plans available without a medical exam varies by insurer, many common traditional plans are available in Canada as a No Medical option, such as:

  • Permanent Life Insurance - Offers lifetime protection, ideal for individuals who need coverage for their final affairs but for whom a traditional plan would be expensive or prohibitive.

  • Term Life Insurance - Typically offered as a 10-year term, a No Medical term plan can offer up to $150,000 in coverage at an affordable rate. This type of plan is renewable, often up to age 75.

  • Critical Illness Insurance - Some critical illness plans offer a No Medical option, which can offer coverage despite health issues. Bear in mind, however, that pre-existing conditions would be excluded from benefits in most cases.

  • Accidental Death & Dismemberment Insurance - This type of plan does not weigh the risk of the insured's health, and is always available without an exam. Depending on the plan, additional injury benefits may make this an attractive, low-cost option for seniors.

  • Seniors Insurance - Many insurers offer specialized permanent life plans that cater to seniors' needs, such as living benefits or fracture protection.

Consider this type of plan if you are:

  • Hard to insure due to health issues or age.
  • Have been previously declined coverage.
  • Uncomfortable with needles and medical exams.
  • Overweight.
  • A Smoker.

We work directly with leading Canadian providers of No medical exam life insurance plans such as Canada Protection Plan, BMO, RBC and many more. For more information on No Medical Exam life insurance or to get a free quote please complete a short enquiry form and we will be happy to assist you.

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