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 603 reviews from

★★★★☆

Sehar Bajwa was knowledgeable and provided explanations for all insurance coverage. Process was simple and easily done over the phone.

Joe Wery

★★★★★

Muhammad was very patient with me while I decided.i recommend dealing with Muhammad .I think having insurance puts my mind at ease.

Angele Faucher

★★★★★

I always like to shop around to get the best deal, without compromising quality.My research brought me to Allianz and I was contacted by Sehar Bajwa, who answered all my questions and sent me an email with all the details.Not only was Allianz the best price, I also got good service from Sehar.I hope that I will not need the insurance but if I do, I hope the good service I have received so far, will continue.Thank you Sehar.

Sylvain

★★★★★

Good assistance.

Heather Sutherland

★★★★★

Dornaz is an excellent agent! She is personable and very willing to provide lots of options. Highly recommend. Beth

beth oberholtzer

★★★★★

Dornaz provided our travel insurance efficiently and promptly. Her communication was clear and professional. Very pleased to work with her!

Dale Hildebrandt

★★★★★

I recently had the pleasure of dealing with Muhammad regarding travel insurance. I can't say enough about him. I had a few issues created by my Costco m/c. He went above and beyond to make changes to my policy because of m/c. I certainly won't hesitate contacting him in future for future travels or recommending him to friends & family. Thank you Mary Rate 110/100

Mary Bortignon

★★★★★

So friendly and easy to talk to.

Gloria Millar

★★★★★

Dornaz was very helpful. Patiently listened to my concerns and questions as well as provided timely and what seemed to me as appropriate responses. Felt comfortable dealing with her on the phone.

Michael Gabas

★★★★★

I had the pleasure of meeting and working with DORNAZ for my personal health and dental insurance. She is an absolutely incredible. She listened to me and provided detailed information during our first call. She was very diligent in following up with me by email. She was very patient as I had changed my request after she did everything. I can honestly say that she might be one of best people I have spoken to in the customer service industry.She is a valuable asset.Thank you DORNAZ !!!!!!

Mary B

★★★★☆

Muhammad at Alliance was helpful and responsive.

Kathleen Magladry

★★★★★

Friendly and efficient service provided in a prompt manner. All questions fully answered.

myles bunting

★★★★★

Very responsive to my many questions and super efficient process

Alexandria

★★★★★

It was a pleasure dealing with Muhammad . Would deal with him again.

Miriam Hartman

★★★★★

Just booked my travel insurance! Doran’s is the best! Thank you so much

Sharon

★★★★★

Muhammad was excellent, it took a few days because of technical problems, not Alliance issue. Will definitely use again, got us the best price for travel insurance. Thanks Muhammad

Jackie Keir

★★★★★

We have previously obtained travel insurance with Alliance through Costco Travel insurance. After Alliance email reminder, I have filled out request for multiple trip quote. Sehar Bajwa called back and helped me to complete the application. I received by email the Manulife Travel Policies right after. Thanks

T Nguyen

★★★★★

Muhammed Suleiman was professional in his dealings.

Gerard Thompson

★★★★★

I worked with Artmiz to arrange travel insurance. She was very helpful ,answered my questions and clearly outlined my options. I will use Artmiz at Alliance for future travel.

valerie szilock

★★★★★

Dornaz was very helpful and I appreciated all her efforts to sign me up for my travel insurance.She will be my “go to” girl for any future travel needs!Loraine

Loraine Anderson

★★★★★

My agent is Muhammad Suleiman

Maria

★★★★★

I had an exceptional experience with Ofir Mizrahi. Even though I didn’t end up purchasing a policy at the moment, his level of customer service truly stood out. He was incredibly professional, knowledgeable, and patient, taking the time to explain every detail clearly without any pressure.You can tell he genuinely cares about helping people make the right decision, not just making a sale. That kind of integrity and dedication is rare to find.I highly recommend Ofir to anyone looking for honest, reliable, and top-quality service. I will definitely reach out to him again in the future!

Jessica Martinelli

★★★★★

Dornaz is always very helpful and provides all the details and suggests the best option

Mona Hadisi

★★★★★

Dornaz was extremely helpful and efficient, a pleasure to deal with. Highly recommend her for travel or any insurance questions or policies.

Joe Daigle

★★★★★

Dornaz was very helpful during my search for travel insurance!

C J

★★★★★

Very polite and courteous.. My agent, Dornaz, was very helpful and efficient booking my travel insurance. All needs were met in a professional way. Thank you.

Kim Keller- Rakochy

★★★★★

Great customer service!! Very friendly

Brenda Burton

★★★★★

I am very grateful to Sehar Bajwa for her help. She is very patient and professional.

Vivian Guo

★★★★★

Dornaz made it very easy getting a quote and then completing the deal.

Franz Hasenhundl

★★★★★

Sehar promptly replied to my emails and answered any & all questions I had. Great rates on medical/travel insurance.

Natalie Haak

★★★★★

Dornaz was great to work with. I will be using her for all our trips

Irene Holloway

★★★★★

Great service by Dornaz

Pradeep Mohapatra

★★★★☆

Artmiz provided great service and advice for our last trip so we decided to contact her again for our next trip. She answered all my questions and was very friendly and helpful. I believe she gave me the best insurance deal for my trip to Portugal.

Lololo

★★★★★

Thank very much for the excellent service, great knowledge in getting for me the best plan for the travel insurance. Well bone!!!

Milia Kats

★★★★★

Very efficient, lovely to speak with and made booking insurance much easier for me

Louise Zenzen

★★★★★

Dornaz was a great help signing me up for my benefits plan.

Ahmed Shaat

★★★★★

Artmiz was so helpful with getting my coverage for both my trips.It was a pleasure dealing with her.

helen carey

★★★★★

Dornaz was efficient, friendly, and helpful! Thank you ..

Margot Brunelle

★★★★★

Artmiz Namazi was very efficient and informative with regards to my requirements for my upcoming trip. Received all my documentation within minutes. She made it a very pleasurable experience!

Francine Menard

★★★★★

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

★★★★★

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

★★★★★

Very knowledgeable . Thanks Dornaz

Celia Alam

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At Life Insurance Pro, we understand the paramount importance of family. Our top-tier insurance policies empower you to consistently support your loved ones, ensuring financial stability even in your absence.

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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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