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 492 reviews from

★★★★★

Artmiz was very professional and quick to answer all my questions . She was very knowledgeable of her products. Thanx Artmiz

ron raymer

★★★★★

Dornaz was informative, efficient and thorough. She found the best rates with options

stephen ott

★★★★★

Dornaz and Alliance has treated me well so far. Trip doesn't happen until the fall

Wayne Kemp

★★★★★

Sehar Bajwa was my agent providing trip cancellation, interruption and baggage insurance for an upcoming international flight. She was very thorough and patient providing me with the information required to make this a smooth and quick transaction. Thank you Sehar.

Geri Fazakas

★★★★★

Very informative and willing to find us the best quote to suit our needs.

Gary

★★★★★

Sehar bejas looked after my travel insurance in a pleasant, knowledgeable and professional manner

Ingrid Cameron

★★★★★

Sehar was very patient with me and explained different options for our travel requirements. We saved money buying travel insurance through your company. Thank you Sehar!

Marilyn Kelly

★★★★★

Great advice.

Denise Keep

★★★★★

Dornaz was great at finding good medical coverage for myself and daughter.thanks so much

Ellen Wilson

★★★★★

Had a great experience working with George. He was able to save us money on our Group Insurance policy. Professionalism, great communication and great follow up. Thank you.

Gregory van Duyse

★★★★★

I always get great service from R'ceino and Artmiz that's why I keep coming back to your company for our family's travel insurance. Thank you.

Doris Concepcion

★★★★★

Dornaz eas extremely helpful and a pleasure to deal with.

Kathryn Kates

★★★★★

I dealt with Dornaz regarding our medical insurance during our trip to Europe.Found her to be knowledgeable, polite and patient .

Etienne Pinto

★★★★★

I appreciate the patience with me and quick and great service. I feel much better now that this part of the process is over

Debbie Cain

★★★★★

VERY KNOWLEDGEABLE, HELPFUL, AVAILABLE. GREAT TO WORK WITH!

anne chang

★★★★★

Dornaz was the agent that reached out to me. She was helpful and explained the travel coverage to me. I decided to purchase the coverage. She was helpful and patient.

Cindy Kent

★★★★★

Dornaz answered promptly. She was knowledgeable and provided exceptional service.

Betty McNaught

★★★★★

Sehar Bajwa helped me secure the additional top-up trip cancellation/interruption and baggage coverage (aka the non-medical package) for my upcoming vacation. She was knowledgeable, helpful, and quickly answered my questions. And when our call dropped she immediately called me back. It was a pleasure working with Sehar. She made shopping for and purchasing travel insurance simple and easy. Allianz (aka Alliance Income Services Corp) has the best value for travel insurance.

Pamela MacCrostie

★★★★★

I've just purchased comprehensive travel insurance from Agent Sehar Bajwa. What a pleasure to work with her. Sehar's professionalism and patience were outstanding start to finish!! Communications, documentation and follow-up were very clear.

Brenda Ciolfi

★★★★★

I’ve had the pleasure of dealing with Sehar Bajwa for all my travel insurance needs. She is unfailingly pleasant and professional. I will continue to count on her knowing that I’m in very capable hands.

Chris Penny

★★★★★

Excellent service from Sehar Bajwa. Not pushy answered questions and got the policy to me quickly. Thank you

Ingrid Swenker

★★★★★

Sehar was very helpful. Made the process painless!

Lynne Fulcher

★★★★★

Sehar Bajwa was the agent with whom I spoke. She was very helpful and efficient. I was also quoted Travel Cancellation and Interruption Insurance by two other agents at different companies. I went with Sehar because she provided me with the most thorough information and an excellent rate.

estolte

★★★★★

Wow what a great experience these guys are so knowledgeable.

steve R

★★★★★

I recently had the pleasure of working with Dornaz at Allianz global assistance who helped me secure health and dental insurance, and I couldn't be more satisfied with the experience. From the moment we started the conversation, she was incredibly knowledgeable and attentive to my needs. She took the time to explain all my options clearly, ensuring I understood the details of each plan.What stood out the most was Dornaz’s patience and willingness to answer all my questions, no matter how small. She made the entire process smooth and stress-free, guiding me through all the process and making sure I felt comfortable with my decision. Thanks to her expertise, I feel confident that I chose the best health insurance plan for my needs. I highly recommend Allianz Global assistance services to anyone looking for reliable and friendly assistance in navigating health and dental insurance options! From my experience, Allianz Global assistance is the best insurance company outta here!

Parfiano

★★★★★

Agent was very pleasant and efficient in providing an immediate quote

Tom Smith

★★★★★

I was researching for a travel emergency medical plan for seniors. Allianz was on my list but I hadn't made contact as yet. I received a call back from Ummi Hanny of Alliance as a result of one of my queries and I'm delighted with the result. She listened and guided me through the process with great skill, knowledge and understanding. She forwarded a quote and afforded me time to consider the offer over the weekend and we would reconnect early the next week. This also gave me time to continue my research with a better understanding. which I much appreciated.We spoke on Tuesday and concluded the signing of the coverage offered through Alliance. It was the best plan for me, coverage wise, duration and financially. The fact that Alliance is a European based company is a plus as that is where I'm traveling as well as non U.S, based.Ummi's engaging style lead to these discoveries for me. She was attentive, knowledgeable, personable and genuine. She represents her organization extremely well and I would not hesitate to recommend Alliance and/or engage your service in the future.SincerelyJohn S. MacDonald

John MacDonald

★★★★★

Sehar Bajwa was very efficient, professional and knowledgeable. I was extremely pleased with her prompt service and pleasant personality.

Eva Young pow

★★★★★

Your customer service caller was so helpful. I felt confident going ahead and signing up for health insurance for my upcoming trip. Thank you for your patience and friendliness during the call. I feel better about spending a few days in the United States knowing I have health coverage.

Beth Foster

★★★★★

I went online for a quote. Then Sehar called me with a quote.Sehar was wonderful. So professional and easy to understand.It was a delight speaking to her. Also the price was the best.

Evelyn Dickson

★★★★★

Artemiz Namazi was very professional, patient, and friendly while helping me purchase medical insurance for myself, my husband, and my son.

krystyna Harasymowicz

★★★★★

I had a wonderful experience with this company! Ummi was incredibly helpful, professional, and kind throughout the entire process. She made everything so easy and stress-free. I truly appreciated her support and would highly recommend her to anyone. Thank you, Ummi!

Miriam Assouline

★★★★★

Recently purchased Trip Cancellation /Interruption Insurance from them. Say their advertisement on Facebook. The company was easy to deal with and provided information to make an informed decision. Despite not be able to deal with my initial contact person, Artmiz was very attentive, helpful and thorough. The rating given was earned

Fern Michel

★★★★★

Shana and George at Alliance were amazing to work with. They were very friendly and prompt in all transactions.

Joe Kilford

★★★★★

Sehar Bajwa she is very good helpful. Travel insurance very good purchas price .

Theepan Moorthy

★★★★★

As seniors in our + 70s we know travel medical insurance can be costly without taking out a mortgage. Fortunately our health is better than most our age or even some younger and understand Insurance Underwriters and Acturaries go by statistics. The agent we talked to Karen Write was absolutely patient and helpful. We were pleasantly surprised by the quote she gave, as the quote we had from another carrier was about 3 times more. Naturally we went with Karen Write at Alliance. We can't thank her enough for being so patient, undestanding and helpful. If in the future we are fortunate, health wise, to continue to travel we will definitely call Karen Wright at Alliance. CUDOS to Karen Wright

Robert Grills

★★★★★

Clear Communication and assurance of service

Edwin Drewlo

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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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