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No Medical Insurance

No Medical Exam Life Insurance: Easy and Inclusive Coverage for Everyone

Life insurance with no medical exams, no bloodwork—just simple approval.


If you’ve been denied traditional life insurance or want a fast, hassle-free way to get covered, No Medical Insurance may be the right option for you.

This type of policy is designed for individuals who may have pre-existing conditions, are seniors, or simply want quick coverage without going through the stress of doctor visits, lab tests, or invasive questionnaires. Approval is based on a few basic health questions—or in some cases, no questions at all.

What is No Medical Insurance?

    No Medical Insurance offers:

  • Simplified Life Insurance: Requires answering a short health questionnaire but no medical exams
  • Guaranteed Issue Life Insurance: No health questions or exams at all—acceptance is guaranteed

    • These policies are ideal for:

  • Individuals with serious or multiple health conditions
  • Seniors who may not qualify for traditional insurance
  • People looking for fast and uncomplicated coverage
  • Anyone previously declined for life insurance

How Does It Work?


  • Choose your coverage amount and policy type (term or permanent)
  • Answer a few basic questions, or none at all depending on the product
  • Get approved quickly— sometimes in as little as 24 to 48 hours
  • Once approved, your policy goes into effect immediately and your loved ones are protected

    • Policies typically range from $5,000 to $500,000, depending on your age, risk profile, and insurer.

    What Does It Cover?

    Death Benefit: A tax-free lump sum paid to your beneficiaries when you pass away

    Term or Permanent Plans:

    Choose short-term (10–30 years) or lifelong coverage

    Accidental Death Options: Some plans include extra benefits if death results from an accident

    Funeral & Final Expense coverage

    Ideal for seniors or those looking to cover end-of-life costs

    Some policies may have a two-year waiting period —meaning if death occurs due to natural causes during that time, only premiums are returned. After the waiting period, the full benefit is paid out.

    Why Choose No Medical Insurance?

    • No medical exams or blood tests required
    • Fast approval— ideal if you need coverage quickly
    • Affordable options for people with moderate health issues
    • Guaranteed acceptance plans available, regardless of health
    • Great option for people who’ve been previously declined

    Who Should Consider It?

    • Seniors aged 50+ looking for final expense or estate coverage
    • People with health conditions like diabetes, past cancer, or heart disease
    • Newcomers or temporary residents in Canada who need simple life coverage
    • Individuals without time or interest in traditional underwriting
    • Anyone with previous denials who wants to ensure their family is protected

    Key Features & Benefits

  • Coverage from $5,000 to $500,000
  • Choose between term or permanent options
  • Can be bundled with other products like critical illness or accidental death
  • Many plans include living benefit riders or return of premium options
  • Available even if you are not eligible for traditional life insurance
    • Simple, fast, and guaranteed peace of mind.

    Whether you're looking for quick coverage or have had difficulty qualifying in the past, No Medical Insurance can help you get the protection you and your family deserve—without delay or medical stress. Let us help you choose a plan that fits your needs and budget.