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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

Excellent4.8 Based on 347 reviews from ★★★★★ Ummi is always helpful and professional. She has been helping our family for all travel insurance over the past years.MargieMargie ★★★★★ Ummi is courteous and professional. Good job!Rod SetoRod Seto ★★★★★ Artmiz was very pleasant and helpful in providing the coverage needed for my trip.John CliffordJohn Clifford ★★★★★ Nice Dealing And Nice Explanation…Harman BasraHarman Basra ★★★★☆ I want to let everyone know that when you buy your insurance from Alliance, buy it from Dornaz. I have had 2 separate policies through her and can't say enough about her thoroughness, knowledge of the product and her customer service. It was pleasure dealing with her.Nola DyckNola Dyck ★★★★★ Great customer serviceJennifer PhillipsJennifer Phillips ★★★★★ I had a very good experience with Dornaz. She was very helpful and got my policy together quickly. I will certainly recommend her to my friends.Steve StaplesSteve Staples ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinberg ★★★★★ We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.Kathy CastleKathy Castle ★★★★★ It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.Tom BrailsfordTom Brailsford ★★★★★ I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks UmmiJeff LangJeff Lang ★★★★★ We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,Heinz KriegerHeinz Krieger ★★★★★ Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.Milos RudolfMilos Rudolf ★★★★★ Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.Tracy HastingsTracy Hastings ★★★★★ I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.Lise BeaulneLise Beaulne ★★★★★ Ummi. was very helpful and pleasant. Billwilliam rockwilliam rock ★★★★★ Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.Danny ChinDanny Chin ★★★★★ My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.Stephanie RumbleStephanie Rumble ★★★★★ Eric and Bob were both extremely helpful and attentive to my needs.Paul CodyPaul Cody ★★★★★ Teresa was great. Addressed all my concerns.Robert CarterRobert Carter ★★★★★ The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.Simin MeshginnafasSimin Meshginnafas ★★★★★ I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍Mark EngelMark Engel ★★★★★ Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .Michael BoudreauMichael Boudreau ★★★★★ Excellent service by Eric Clementi and Ryanmargaret burnsmargaret burns ★★★★★ Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.Bonnie SmithBonnie Smith ★★★★★ Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.Marsha RisserMarsha Risser ★★★★★ I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.Marilee Van BuskirkMarilee Van Buskirk ★★★★★ It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.Mohinder BangaMohinder Banga ★★★★★ I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!Bruce YeeBruce Yee ★★★★★ Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!Beverley HowickBeverley Howick ★★★★★ Eric Clementi is the manYunus PatelYunus Patel ★★★★★ I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.Muhammad KoyaMuhammad Koya ★★★★★ It was pleasure working with Mariam and Eric. We are seniors and trying to get a reasonable price for travel insurance.Fay BellefontaineFay Bellefontaine ★★★★★ I sent an email yesterday. They called today. Marion and Eric were excellent. Highly recommend this company. Rates are excellent tooAnnette ChisholmAnnette Chisholm ★★★★★ Eric was fantastic. Quick , easy and affordable.Tracey PeerTracey Peer ★★★★★ Eric was very professional and found the best plan for me at this time.Trev HutchinsTrev Hutchins ★★★★★ Eric Clementi was an absolute pleasure to work with. Very professional and courteous.Berit LysBerit Lysjs_loader
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Get No Medical Life Insurance Quotes in Minutes

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.

Take the first step by clicking below to receive a personalized quote.

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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No Medical Exam Life Form (#10)
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