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No Medical Exam Term and Whole Life Insurance Quotes

Have you been denied in the past? No worries, we can help you


An individual who loves his or her family and seeking the right type of life insurance policy has two options when it comes to applying for life insurance policy. Apply for medically underwritten policies that usually require a full medical underwriting such as a doctor’s report, blood & urine tests. Insurance companies base their medical requirements based on the amount of insurance you need, your age, medical history and type of insurance policy.

For instance: A 30 year old male seeking $250,000 of coverage of Term 10 may not have to do a medical. However, a 50 year old male looking for $250,000 of Term 10 will need to do a medical such as blood & urine tests and perhaps produce a medical history from his family doctor or specialist.

The second option is to apply for a life insurance policy that does not require a medical exam, doctor’s visit, blood or urine tests which is the main focus here. However, you still have to answer a few
yes and no basic health questions. The question is who wants to apply for no medical insurance and more importantly why? After all no medical exam life insurance policies are inherently expensive and have limitations such as the maximum amount of insurance you can apply for.

Most insurance companies underwrite guaranteed issue policies or life insurance plans without a medical exam and if they do it will be for a small amount to cover funeral expenses etc…

Some of them however can provide you insurance amounts up to $300,000 (term & whole life insurance products
combined) something you can use to cover your mortgage life insurance. Our goal is to help you find the right type and right amount of insurance policy that your family needs and deserves.

No medical exam life insurance is for you if:

 If you have been denied in the past
  If you have medical conditions such as cancer, heart attack, stroke
  If you feel you might be overweight
•  If you believe your family medical history will prevent you from getting one
•  If blood or urine test makes you nervous
•  Or simply you wish not to do a medical

As you probably know:

 Life insurance proceeds are 100% tax free
•  You can choose either term or whole life depending on your need
•  You have (10) days to examine your policy

We understand your concern. We have the experience, knowledge and skills to help you achieve your goals. We have helped many Canadian families get the insurance amount they need at a premium they can afford. And we can do the same thing for your family too. Give us the opportunity and we will exceed your expectations.

Please fill in the form below and one of our qualified advisors will get back to you immediately. We look forward to hearing from you and working with you.


Non-Med Canada          
Tel: 416-546-1167
Toll-free: 1-800-656-1876

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