Insurance Without Medical

No medical life insurance is a type of life insurance you can get without any medicals needed. You won’t need to undergo health checks or medical examinations. No medical life insurance can also be obtained if you are healthy but generally it is sought by people who have been declined for the regular insurance which requires medicals.

If you have been declined for life insurance, you’re not alone. A small percentage of all life insurance applicants in Canada are declined every year. One of the major reasons why they’re declined is poor health. If you’re one of them, no-medical life insurance may be an alternative.

When you apply for no medical life insurance, the insurer will determine your health conditions through a set number of questions without requiring medical underwriting. No medical doesn’t mean the insurance company is not going to ask medical questions. You can get a no medical policy without filling out lengthy forms or going through a rigorous medical examination. However, you must answer a set number of questions honestly so the insurance company can make a decision.

Whatever your health history, age, or income, you can get no medical coverage to :

• Cover final expenses, including the cost of a funeral
• Ensure loved ones are not left covering outstanding debts
• Leave a legacy for a cause close to your heart
• Leave a gift for loved ones or family members