Life Insurance Made Simple—No Medical Exam Required
Non-Medical Life
Insurance in Canada Made Simple
Secure the best non medical life insurance in Canada and get the coverage you need without the delays or complexities of medical exams. Just answer some simple health questions.
What Is Non-Medical Life Insurance?
Non-medical life insurance provides coverage without a medical exam, making the approval process faster and more accessible for many Canadians.
Fast approval, often within minutes.
Great for individuals with health conditions or anyone who prefers a simplified process.
Benefits of a Life
Insurance Policy with
No medical Exam
Quick, hassle-free application with no medical tests required.
Fast approval, ideal for anyone needing immediate coverage.
Flexible eligibility — apply at almost any age with no medical restrictions.
Great option for Canadians with health conditions who may not qualify for traditional policies.
Are You Eligible for Non-Medical Life Insurance in Canada?
Most Canadians qualify for non-medical life insurance, especially those who want fast approval or prefer to skip health exams. Some medical conditions may limit which policies are available, but many options still exist.
Non-Medical Life Insurance vs. Traditional Life Insurance
Understand the key differences between No Medical and Traditional Life Insurance so you can choose the coverage that fits your needs.
No Medical Life Insurance
No Medical Life Insurance in Canada provides coverage without medical exams, offering fast approval and accessibility.
Quick approval with no health exams required.
Great for pre-existing conditions or harder-to-insure applicants.
Simple, minimal paperwork compared to traditional policies.
Traditional Insurance
Traditional Life Insurance offers lower premiums but requires medical exams and a more detailed application.
Lower premiums for healthy applicants.
More comprehensive underwriting, which can mean better rates.
More policy options, including larger coverage amounts and term lengths.
Should I Buy Simplified or Guaranteed Life Insurance?
Choose the right type of no-medical life insurance based on your health, budget, and approval needs.
Simplified Issue Life Insurance
Simplified life insurance requires answering a few health questions but does not involve a medical exam.
No medical exam, but some health questions apply.
Faster approval than traditional life insurance.
More affordable premiums than guaranteed issue
Guaranteed Issue Life Insurance
Guaranteed issue life insurance provides coverage to anyone — no exams and no health questions.
No medical exam or health questions required.
Ideal for Canadians with severe health conditions.
Guaranteed acceptance, regardless of medical history.
Frequently Asked Questions
Enjoy life’s milestones and adventures with best no medical life insurance in your back pocket.
How fast can I get approved for non-medical life insurance?
Most applications are approved within minutes, making it one of the quickest ways to secure coverage in Canada.
Is non-medical life insurance more expensive?
Yes, premiums are typically higher because the insurer is taking on more risk without a medical exam. However, it provides essential access for those who may not qualify for traditional policies.
Can I get non-medical life insurance with pre-existing conditions?
Absolutely. Non-medical policies are designed for applicants with health conditions that might prevent approval under traditional underwriting.
What is the maximum coverage amount for non-medical life insurance?
Coverage limits vary by insurer, but most non-medical policies offer lower maximums than fully underwritten plans. Many Canadians still find it meets their family’s core needs.
Who should choose non-medical over traditional life insurance?
It’s ideal for individuals needing fast approval, those with medical concerns, seniors, or anyone who prefers a simplified, no-exam process.
Does non-medical life insurance still pay out the full benefit?
Yes. As long as premiums are paid and the policy is in force, non-medical life insurance pays the full death benefit to your beneficiaries, just like traditional policies (subject to standard contestability and fraud provisions).
Get Approved for Non-Medical Life Insurance in Canada Today
