No Medical Life Insurance

In Canada, not everyone qualifies for traditional insurance like critical illness, life, or disability insurance. Enter No Medical Insurance, a unique policy issued without a medical exam. It's ideal for those with health issues or pre-existing conditions, offering easier qualification and necessary protection. Life Insurance Pro specializes in tailoring coverage to individuals' needs, including seniors, ensuring competitive rates and comprehensive protection. Our expertise lies in navigating the complexities of insurance options, guiding you to the best policy while minimizing rates.

Costs for this type of policy can vary significantly across insurance providers – even more significantly than the difference in costs for traditional life, disability and critical illness coverage. Life Insurance Pro has extensive experience in insurance quotes and selling policies (also called underwriting) to people with a history of heart disease or heart attacks, or selling to those that have a diabetes pre-condition. Others may focus more on the best protection packages for seniors. Our key objective is to help you navigate across the many questions and options you have, and to get you the best policy while minimizing your insurance rates.

Our Reviews

Excellent

4.8

★

Based on 717 reviews from

★★★★★

I was phone interviewed by Teresa Heuser to set up my travel insurance. Teresa was terrific, friendly, courteous and patient. I look forward to her assistance in the future. Positive experience.Eric White

Sandy White

★★★★★

It was a pleasure dealing with Teresa Heuser she made the whole experience very easy. Thank you!

Loraine A

★★★★★

Dornaz was very helpful, providing both efficient service and clear communication.

Susan Kolpak-Jarvis

★★★★★

Karen was knowledgeable and professional. She addressed my concerns and found suitable coverages.

Sandra Dicaire

★★★★★

Shamanic was very professional..knowledgeable and I would not hesitate to work with her again

Dorraine Hindle

★★★★★

All great, Teresa's is the best

Ed Conner

★★★★★

Theresa Heuser was great to work with. Very informative and helpful. Will definitely use again.

Mary Brosnan

★★★★☆

I had a very positive experience speaking with Karen over the phone. She was extremely helpful, attentive to detail, and took the time to clearly explain all of the insurance coverages available to my mom. Karen was patient, knowledgeable, and made sure we understood all the options before making any decisions. Her professionalism and excellent customer service made the entire process easy and stress-free. I truly appreciated her assistance and would highly recommend her to anyone looking for insurance guidance.

joan hut

★★★★★

Efficient, knowledgeable and fair pricing for product received

Claire May Peel

★★★★★

The gentleman that helped me was great to work with. Quick and easy and an excellent quote.

Deborah Williams

★★★★★

Great work, for helping us out regarding our Insurance. Thank you Thereas

Carter Laing

★★★★★

Artmiz was great. Very personable & helpful. I just wish she spoke slower on her messages. Just a little bit.Thanks,Anne

Anne Schmidt

★★★★★

Karen Wright-Ebanks was very friendly, helpful and efficient in searching the best estimates for our needs. I will be contacting her again next year!

Kevin Gass

★★★★★

Martin was very knowledgeable about the terms of the policy and got back to me, when necessary, I a timely fashion. Martin is very polite and pleasant to talk to .

Shelley Moyle

★★★★★

I cannot say enough about my experiences with Artmiz.I know each time I call her she has done her utmost to give me the best offer and provides the detail so its very easy to understand.I have recommended her to many of my friends.

Paul Fletcher

★★★★★

Good service and reliable and trustworthy information Thank you

jerry dubilowski

★★★★★

Quick and easy

Evelyn Bullington

★★★★★

Gabrial was the BEST he searched and found the BEST rates and options. My travel plans are so much easier with that help.

Bob Warren

★★★★★

Gabriel was very friendly and polite. He answered all my questions and explained my options. I felt very comfortable dealing with him.

Barb Moore

★★★★★

Shiwani I was very helpful and a pleasure to work with

joan gowan

★★★★★

Sehar Bajwa was very easy to deal with and answered my queries promptly. A very good experience.

Maggie

★★★★★

Great service from Dornaz. Very courteous and helpful to complete my travel insurance

Lyndon Pilgrim

★★★★★

Dornaz got me a less expensive plan and canceled the one I mistakenly purchased. She was very professional and completed things in a quick efficient manner. I’ll be back next year.Here I am next year.

Stewart Clow

★★★★★

Gabriel was very helpful and patient with the questions I had. What I liked most is that he would provide the information I needed and then just waited for me to decide without any pressure.

judy kohne

★★★★★

I had a great experience speaking with Gabriel .l received a call with in minutes of my inquiry on line . He was very polite and knowledgeable. It took no more than a few minutes to obtain a quote for travel insurance. I will definitely contact him for future inquiries.

otilia miranda

★★★★★

Very professional support.

V М

★★★★★

Shiwani was a pleasure to interact with …she was knowledgeable and explained every thing in detail when I was looking for information on Out Of Country Health Insurance Coverage. She was extremely patient when I asked her for more clarification /explanation of questions asked.Would certainly recommend her when looking for out of province health insurance coverage .

lesley staite

★★★★★

Shiwani was most helpful and precise. Because we were leaving the next day for our holiday, we needed insurance quickly. Shiwani has a wonderful customer service and we were able to get our insurance when needed. It was a pleasure working with her.

Sue Alexander

★★★★★

I just recently renewed my travel insurance through Alliance Income Services Corp, with my agent Sehar Bajwa being very efficient and effective to put my coverage in place. I am appreciative and grateful for her excellent service and knowledge. Thank you, Sehar!

Brian R. Post

★★★★★

Clarity about what was offered. Searching for the best deal for me.

Vicki Robinson

★★★★★

AIS and in particular Donaz was extremely knowledgeable and helpful in recommending our travel insurance at a very reasonable cost. Great work Donaz, thank you!

Michael Greenhill

★★★★★

I would recommend Ofir from Alliance Income for my travel insurance needs. He was fast, efficient and was able to source my travel insurance needs a a lower price than a was able to obtain from several insurance companies. Thanks!

Paul McLean

★★★★★

very funny, attentive, informative and would return my call within no time at all. followed up with a phone call to the company to further my comfort zone. would definitaly work with him again

Diane Pare

★★★★★

Gabriel is excellent , full knowledge, polite and respectful, interested in making one feel welcomed. Recommend this sign in service to anyone needing travel insurance.

Gavin Watts

★★★★★

it was such a pleasure to work with Artmiz Namazi in my purchase of medical travel insurance. Not often do I receive the care and authentic interest in ensuring that my needs and concerns were addressed. At the end of the day, all the costs were practically the same among many of the financial institution but Artmiz was the difference and her well deserved goodwill finalized the decision to purchase from her. Thank you so much Artmiz for all your help and assistance.

Walter Jong

★★★★★

I was surprised to receive a phone call from Alliance and then to have Dornaz walk me through the medical questions and quote a reasonable price. She was polite and very helpful for all my needs.

Gerry Scharff

★★★★★

Very efficient and caring individual. He completed his role in a highly professional manner

mary lou mcgregor

★★★★★

Ofir Mizrahi , he handled all our transaction he was kind considerate and very professional. He made sure I understood the policy. When I couldn’t find what I needed he helped me navigate through. If all your company is as good as him you have great team . If they aren’t I’m glad I had him . Thank you for professional consideration of helping meCaralyn Crocker

Caralyn Crocker

★★★★★

Her attention to detail was great. Answered all my questions with no hesitation. Highly recommend contacting her for your insurance needs.

Greg Glass

★★★★★

Dornaz provided me with exceptional service,very professional and knowledgeable.Thank you Dornaz for assisting me get my travel insurance,it was a pleasure doing business with you.

Dave Randhawa

★★★★★

Shiwani was very helpful, and explained everything clearly

Joyce Johnston

★★★★★

Ofir was amazing and he was able to get an incredible deal for my upcoming cruise. Very professional!

Christine Hamilton

★★★★★

Ofir was very helpful and thorough in advising and organizing our trip cancellation insurance for un upcoming trip to Africa.

Sheryl Dobenko

★★★★★

Dornanz was vey helpful and went out of her way to find us the best policy.

Colleen Butler

★★★★★

Great at what he does!

Rita Roy

★★★★★

Dornaz has been very helpful tailoring my insurance policy to suit my specific needs. She was prompt in replying to my messages and questions. Thank you, Dornaz

Richard Humphries

★★★★★

I purchased travel insurance from Dornaz several times.She is very knowledgeable and takes time to explain all concerns I would have.I would highly recommend her to anyone who needs to purchase travel insurance.Ivana

Ivana Gremo

★★★★★

For was very patient and helpful

cathy othmer

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No-Medical Life Insurance Explained

No Medical Life Insurance involves simplified underwriting, omitting the need for a physical exam for coverage approval. This streamlined process ensures faster processing and higher issuance rates compared to fully underwritten plans. It’s especially beneficial for individuals with pre-existing conditions who may struggle to qualify for traditional policies.

What Types of No-Medical Life Insurance are Available in Canada?

In Canada, there are four types of No-Medical Life Insurance, Accelerated Issue, Guaranteed Issue and Simplified Issue. Here is a closer look at each one:

No-Medical Life Insurance

This policy eliminates the need for medical exams, making it accessible and efficient. It’s an excellent choice for individuals who want coverage without the hassle of medical underwriting or examinations.

Accelerated Issue

With accelerated issue life insurance, applicants can secure coverage quickly, often within days. This option expedites the approval process, providing peace of mind without the lengthy waiting period typical of traditional policies.

Guaranteed Issue

Guaranteed issue life insurance ensures acceptance regardless of health condition. It’s a valuable option for individuals with pre-existing medical conditions or those who have been declined coverage elsewhere.

Simplified Issue

Simplified issue policies offer a straightforward application process, requiring minimal medical information. They provide a quicker route to coverage compared to traditional policies, making them ideal for individuals seeking efficiency and convenience.

Tips to Save Money on No-Medical Life Insurance

Our aim is to assist you in saving your hard-earned money. The most effective method for reducing costs on No-Medical Life Insurance involves comparing rates from various providers. However, this task can be quite time-consuming. Fortunately, at Life Insurance Pro, we handle all the legwork for you. More effective ways to save money on No-Medical Life Insurance are to consider the following:

What Is Your Age?

Your age bracket significantly impacts your premiums. It’s advisable to purchase a policy while you’re younger to avoid higher rates. Secure Life Insurance before your next birthday to lock in favorable premiums.

Are You Healthy?

If you’re in good health and eligible for standard life insurance, opt for a fully underwritten policy to enjoy lower premiums.

Smoker Status

Smokers may face premiums up to 100% higher than non-smokers. Quitting smoking not only improves your health but also saves significantly on premium costs.

Policy Renewal?

Rates can fluctuate over time. Instead of renewing, compare new policies or consider converting your Term plan to Permanent Life Insurance.

No-Medical Life Insurance FAQs

This FAQ section for No-Medical Life Insurance aims to provide even more valuable information on the topic.

No-Medical Life Insurance offers coverage without requiring a medical exam, making it accessible to those with health concerns.

Eligibility is typically broad, catering to individuals who may have difficulty qualifying for traditional policies due to health reasons.

The application process is streamlined, often involving a simple questionnaire about your health and lifestyle instead of a medical exam.

No-Medical Life Insurance offers various coverage options, including term and permanent policies, to suit different needs and budgets.

Premiums may be slightly higher compared to traditional policies, reflecting the insurer’s increased risk. However, it offers convenience and accessibility for many applicants.

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