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 562 reviews from

★★★★★

I highly recommend this insurance; Dornaz was extremely helpful and kind throughout the process. Easy and quick

Reuben Qaunaq

★★★★★

Artmiz Namazi was amazing. She was very friendly and knowledgable and prompt with a quote. I asked for companies for a quote and your company was the cheapest. I called her back and placed my order for travel insurance for two months. Thank you so much.Artmiz. It was a pleasure dealing with you

Maggie VH

★★★★★

Very knowledgeable . Thanks Dornaz

Celia Alam

★★★★★

Service was very good, Dornaz was very helpful and prompt in her service.

Ernest Comerford

★★★★★

Dornaz has been polite - pleasant - prompt in finding a suitable insurance to fit our needs. She represents your company very well. A pleasure to deal with.

Brenda Adams

★★★★★

Dornaz was extremely helpful in assisting me with the best travel insurance for my approaching trip to East Africa. Knowledgeable, professional, friendly, and quick to respond, I feel confident with the coverage I purchased and with it's price. Thank you Dornaz!,

Elaine Ray

★★★★★

Very easy too renew travel to insurance. Dornaz very helpful and professional

Eric M

★★★★★

Doenaz was a very efficient and a delight to deal with.

Murray Rogers

★★★★★

Dornaz was extremely helpful and patient whilst helping me organize my travel insurance. Would certainly recommend this service for all travel insurance needs.

Maureen edmonds

★★★★★

Sehar Bajwa Was absolutely lovely, she explained and helped me select travel insurance for myself and husband for our up coming trip. I will keep her contact information for future travel insurance needs.Thank you so much Sehar

Patti McTavish

★★★★★

Artmiz was very helpful. She made the process very easy.

Janice Greco

★★★★★

Excellent Customer service by Artmiz Namazi, will recommend to everyone

Nudrat Usmani

★★★★★

Doraz was a delight to work with, very helpful, considerate and very well informed .

Muriel Whitty

★★★★★

Domaz did a wonderful job for me. I felt like she did a very good job in getting me what I wanted and needed for my trip. Great thank you to her.

Mark Memorial

★★★★★

Sehar Bajwa was very helpful and gave me all the options for my travel insurance policy and followed up with e mail confirmations.Thanks Sehar

gamin Dias

★★★★★

Courteous, polite and efficient.Dornaz was great.

Steve Dufresne

★★★★★

Dornaz has been extremely helpful, professional, patient & pleasant in our recent travel Insurance business recently. Thank you Dornaz!Jill & Ralph

Jill Geiger

★★★★★

Wonderful professional service

sylvia bradley

★★★★★

My agent went over and above to make my experience a great one .. she searched to make sure I got the best policy and price available.. highly recommend my agent

Mary Rol

★★★★★

Dornaz was most helpful in helping me to understand and complete our application for travel insurance. She is polite and cheerful to deal with and answered all my questions.

Lea Hajnrych

★★★★★

Had a great experience with George Solomonov. Was very informative, knowledgeable with all questions and kept up with my busy schedule. Highly recommend George!!

Peter Rizk

★★★★★

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.

Stewart Clow

★★★★★

Artmiz was quick, efficient and she made the process of booking travel insurance a BREEZE. I highly recommend Alliance for your travel insurance needs.

Sam Crosby

★★★★★

Thank you Dornaz, your help was effective and clear .

George El Khal

★★★★★

Agent was very helpful, polite and efficient.

Ron Benvenuto

★★★★★

Dornaz was exceptional in helping me with getting both my travel and medical insurance. She was always available to answer all my questions and concerns and the whole process went smoothly. I would highly recommend Dornaz to anyone looking for travel insurance.

Ann Cox

★★★★☆

Dornaz was very helpful everything went smooth !Thanks

Sherryl Enns

★★★★★

Dornaz was most helpful in clarifying my questions regarding the Travel Insurance I had obtained from the associated Manulife website.

Alaire Zavers

★★★★★

Dornaz was very helpful in getting my insurance coverage

lizzy0860

★★★★★

Thank you Artmiz for pulling everything together so quickly for me.Your professionalism and level of service is second to none.I have purchased coverage a few times traveling across Canada, the US and Europe.Thank you again Artmiz 😎

Frank Marchionda

★★★★★

Very efficient and provided just the coverage we needed.

Bonnie Winchar

★★★★★

Dornaz wes very helpful in regard to obtaining medical insurance for our upcoming cruise.

Cathy Greiner

★★★★★

Ms. Dornaz Samiei is a great person, very professional to contact for your travel medical insurance in the future. I highly recommended her great services with a very good understanding and caring. Thank you Dornaz.Minh L. NguyenEdmonton, Sept. 16, 2025

MinhLuong Nguyen

★★★★★

Dornaz was extremely helpful with my travel requirements for insurance, she was knowledgeable, found me the best cost for insurance, as well made sure I understood if anything is to happen to call the insurance company number first before doing anything else. This is a very very important step for any traveler who has an emergency or not.Thank you Dornaz…Karen Green

Karen Green

★★★★★

Sehar Bajwa was very helpful in finding us travel insurance. I did shop around and compared policies. She answered all my questions and got me the best price.

Ettie Van Dijk

★★★★★

Dornaz was very knowledgeable about the travel insurance programs she was offering. She was very professional yet extremely personable and patient answering any questions we had.

Dave Baldwin

★★★★★

I had a very smooth transition with dornaz.she was very professional and a pleasure to deal with.she done my travel insurance in record time and I would like to thank her very much.

Gordon Guy

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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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