No medical life insurance is a kind of life insurance policy that you can buy without having to undergo a medical examination. Many people prefer this kind of life insurance because it’s easier and less time-consuming to get and because it’s an option if you have a pre-existing condition. No medical life insurance is often more expensive than standard life insurance, because insurance companies have less information to evaluate your health, and because people who are in good health tend to opt for standard life insurance
With Non-Medical Plans, you can get the life insurance coverage you need in as little as just a few days. Offering you a large selection of No Medical Life Insurance plans to choose from, with high coverage amounts at very competitive rates. Our many options can provide you with the coverage you want, whether you have serious medical conditions, or are in good health.
WHY SHOULD YOU CONSIDER NO MEDICAL
- You’re a Canadian citizen, permanent resident or have a valid work permit
- You have some health problems
- You’re hard to insure
- You have a dangerous job or participate in hazardous or extreme sports
- You don’t like needles or medical exams
- You just want your coverage fast
When can I be denied no medical life insurance?
With no medical life insurance, you’re asked a series of questions about your health but there is no medical exam involved. Because of this, insurance companies are only using limited information to set your premium, so there are fewer circumstances that could lead to you being denied coverage. The most common reason for being denied no medical life insurance is if you’re older than the maximum enrollment age. Typically, no medical life insurance is offered up to age 75.