No-Medical Life Insurance in Canada: Fast, Simple Coverage (2025 Guide)
Not everyone wants to take a medical exam to get life insurance. Some people want fast approval. Others have health conditions or limited medical history — especially newcomers, freelancers, or older applicants. That’s where no-medical life insurance comes in.
No-medical life insurance is designed for Canadians who want quick, convenient coverage without nurse visits, bloodwork, or medical exams. This guide explains how it works, who qualifies, how much it costs, and the best options for 2025.
What Is No-Medical Life Insurance?
No-medical life insurance (also called simplified issue or guaranteed issue) allows you to get coverage without a medical exam. Instead of nurse visits or blood tests, insurers use:
- Health questions
- Prescription history
- Basic identity verification
Approval is fast — often within minutes.
Two Types of No-Medical Life Insurance
There are two main categories:
1. Simplified Issue Life Insurance
✔ No medical exam
✔ Answer a short health questionnaire
✔ Higher coverage amounts
✔ Faster approvals
✔ For mild to moderate health issues
Most Canadians choose simplified issue because it balances cost and flexibility.
2. Guaranteed Issue Life Insurance
✔ No medical exam
✔ No health questions at all
✔ Instant approval
✔ Higher premiums
✔ Lower coverage amounts
✔ Often includes a waiting period
This is for applicants with serious health concerns who may not qualify for any other type of insurance.
Who Should Consider No-Medical Life Insurance?
No-medical is ideal for people who:
- Want fast approval
- Have difficulty qualifying medically
- Have limited medical history in Canada
- Prefer not to meet a nurse or give blood
- Have conditions like diabetes, high blood pressure, or mental health concerns
- Are older adults who want simple coverage
- Are newcomers without Canadian medical records
If you need coverage quickly, no-medical is the fastest option available.
How Much Coverage Can You Get?
Coverage amounts depend on the insurer:
- Simplified issue: up to $500,000 (sometimes more)
- Guaranteed issue: typically $5,000 to $50,000
The healthier you are, the more coverage you can qualify for.
How Much Does No-Medical Life Insurance Cost?
No-medical policies cost more than medically underwritten policies because the insurer takes on more risk.
Typical pricing:
- Healthy adults: moderately higher premiums
- Applicants with health conditions: significantly higher premiums
- Guaranteed issue: highest cost per dollar of coverage
The trade-off is speed and simplicity.
When to Choose No-Medical vs Medically Underwritten
Choose No-Medical if:
- You want coverage immediately
- You do not want a medical exam
- You have trouble qualifying for standard policies
- You want smaller coverage amounts
- You’re a newcomer without full medical records
- You’re older or have time-sensitive needs
Choose Medically Underwritten if:
- You want the lowest possible premium
- You are comfortable with a medical exam
- You want large coverage (e.g., $500,000+)
Are There Waiting Periods?
Some guaranteed issue policies include a two-year waiting period.
If the insured passes during that time, the beneficiary receives premiums paid + interest — not the full death benefit.
Simplified issue policies often have no waiting period.
Pros and Cons of No-Medical Life Insurance
Pros
- No medical exam
- Fast approval
- Ideal for health concerns
- Great for newcomers
- Flexible options
- Can be issued same day
Cons
- Higher premiums
- Lower coverage
- Some plans have waiting periods
What Is the Best No-Medical Life Insurance in Canada?
Top insurers offering no-medical coverage include:
- Assumption Life
- Canada Protection Plan (CPP)
- Foresters
- Humania
- Industrial Alliance (iA)
Each has different underwriting requirements and pricing.
Bottom Line
No-medical life insurance is a simple, fast, and flexible way to get coverage — especially if you’re looking for convenience or have health concerns. Whether you choose simplified or guaranteed issue, the key advantage is speed and accessibility.
Get No-Medical Life Insurance Quotes
Compare simplified and guaranteed issue policies side-by-side and get covered quickly.
👉 Get No-Medical Quotes in Minutes
https://www.life-simple.ca/best-no-medical-life-insurance-canada