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No medical life insurance

Seniors happy with  seniors whole life insurance

The following list refers to the same type of no medical life insurance policies marketed to hard to insure life insurance shoppersTo avoid any confusion these types of policies are also called:

- Guaranteed issue life insurance

- Guaranteed life insurance

- Guaranteed acceptance life insurance

- Final expenses insurance

- No medical life insurance

- Seniors life insurance


Guaranteed life insurance

The following list refers to the same type of no medical life insurance policies marketed to hard to insure audience

What is Guaranteed Life Insurance in Canada?

Guaranteed issue life insurance is a no medical life insurance for those folks who have insurability challenges

Also called guaranteed acceptance life insurance is designed to provide a limited amount of whole life financial protection (usually $10,000 to $50,000) for previous challenging health conditions. Conditions preventing you from buying regular term life or whole life insurance.

Its designed for people with previous medical issues and insurability problems. And, provides enough money for final expenses including funerals, lawyers and limited taxes that may be needed. Some insurance companies call this final expenses insurance


How much life insurance can I get without a medical exam?

Many of these policies have features such as:

  • no medical life insurance

  • a 30 to 60 day waiting period for accidental death claim

  • up to a 2 year waiting period to make a death benefit claim

  • up to $50,000 of guaranteed whole life insurance under the age of 60

  • up to $25,000 if you are over the age of 50

  • up to $10,000 for children ages 0 to 16

  • increasing premiums (Specialty Life)

  • accidental death benefit

  • terminal illness benefit

Can I apply for life insurance without a medical exam?

Yes, you can apply for no medical life insurance in Canada life (no medical)assessment; depending on the type of policy you're considering and your health status. We provide life insurance quotes for guaranteed acceptance life insurance no medical question policies from 15 companies. Answer 1 to 2 pages of questions with no requirements for a medical

Canada life insurance with no medical

This section explains how guaranteed issue no medical insurance life insurance works

High risk activities are insured in the guaranteed issue no medical insurance

There are three main categories of life insurance that offer different options regarding medical assessments:

1. No Medical Exam Guaranteed issue: Some insurance companies offer life insurance policies that don't require a medical examination. These policies may only ask a few health-related questions or require you to provide some basic medical information. They are often referred to as guarantied acceptance - no medical life insurance policies. These life insurance policies are easier to apply for but cost much more when you compare the premiums to fully underwritten policies with a full medical exam. Is the most expensive form of life insurance with higher premiums compared to policies that require a medical exam. Each life insurance company has less detailed health information to assess the risk

2. Simplified Issue Life Insurance Policies: Up to $750,000 do not require a medical exam or doctors file

3. Traditional Policies with full Medical Exams: All life insurance policies with higher life insurance insurance coverage amounts, require a fell medical examination and doctors health notes from your file as part of the underwriting process. Full medical exams are used to help the insurance company assess your health status and premium. This examination typically includes measurements like urine analysis, blood pressure, blood tests for a full blood profile and an EKG


If you have difficulty getting approved for life insurance consider no medical life insurance. Its more expensive. It is designed to provide $5,000 to $50,000 of coverage. When deciding whether to go for a policy with or without a no medical examination, consider the following:-


Convenience: Policies without medical exams are quicker and more convenient to obtain both in person or on the internet online


No Medical: Answer a few pages about current and previous health conditions then your ready to go. Instant issue life insurance to obtain coverage on the spot


Pre existing condition: Many pre existing conditions are insured and covered with no medical life insurance

Health Condition: If you're in good health, a medical exam will help you secure lower premiums when compared to fully medical underwritten policies


Permanent Coverage Amount: No medical exam policies have coverage limits in the ranges of $5,000, $10,000, $15,000, $20,000, $25,000, $30,000, $35,000, $40,000, $45,000 and $50,000 if you need a higher amount of coverage, a simplified issue life insurance policy with more detailed medical questions or traditional policy with a full medical exam might be a better way to go. There are several guaranteed issue life insurance companies to consider


Budget: Policies without medical exams might have higher premiums due to the increased risk for the insurance company. It's a good idea to shop around, compare quotes from different insurance companies, and consider the trade-offs between convenience and cost when deciding whether to apply for a life insurance policy with or without a medical assessment


Guaranteed Acceptance if your a Canadian Citizen between the ages of 18 and 75


Benefits & Premiums Never Change: Your coverage can never be cancelled or changed by us and your premiums will never increase.


Here is an example of RBC Guaranteed Acceptance Whole Life Insurance (no medical required) offer

Details: up to $40,000 of guaranteed coverage for Canadians from age 40 to age 75



  1. Guaranteed Acceptance: Canadian citizens and permanent residents/landed immigrants age 60 to 75 are guaranteed coverage without a medical exam

  2. Coverage Available: $5,000 to $50,000 (in $5,000 increments)

  3. Lifetime Coverage: Coverage is for life and cannot be cancelled or changed by us; your premiums will never increase. Help your family pay for your final expenses with a lump sum tax free benefit

  4. Convenient: Get an online quote and apply online


For no medical life insurance in Ontario we also work with the following companies:


Canada Protection Plan


TD insurance

RBC Insurance

Sun Life insurance

Canada Life insurance


Empire Life

Equitable Life

Industrial Alliance

Edge Benefits

Specialty life

Assumption Life


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