Trusted by CanadiansNo Medical Life Insurance
Don't want a medical exam? We get it. Plenty of Canadian insurers offer coverage without needles, blood tests, or awkward hospital gowns. Here's what you need to know.
What Is No Medical Life Insurance?
No medical life insurance is exactly what it sounds like: coverage you can get without taking a medical exam. Instead of blood tests and physicals, insurers either ask a simplified set of health questions or skip health inquiries entirely.
These plans are especially popular with people who have health conditions, are older, or just really don't enjoy medical appointments (which, let's be honest, is most of us).
Who Should Consider No Medical Insurance?
Pre-existing Conditions
Diabetes, heart issues, or other conditions that make traditional underwriting difficult.
Need Coverage Fast
Some plans approve within 24-48 hours. No waiting weeks for lab results.
Seniors (50+)
Age makes medical exams more complex. No medical plans simplify the process significantly.
Previously Declined
Been turned down before? These plans are designed to be more accessible.
Needle-Averse
We won't judge. Some people just don't like medical procedures, and that's okay.
Two Types to Know About
Simplified Issue
You answer a short health questionnaire instead of taking an exam. If your answers check out, you're approved. Often within a few days.
- Lower premiums than guaranteed issue
- Quick approval process
- Some health questions required
- Higher coverage amounts available
Guaranteed Issue
No health questions at all. If you're within the age range, you're accepted. Period. It's as close to "no strings attached" as insurance gets.
- No health questions whatsoever
- Cannot be declined
- Higher premiums than simplified
- Usually has a 2-year waiting period for full benefits
The Honest Pros and Cons
Benefits
- No medical exam or lab work
- Faster approval times
- Accessible for people with health issues
- Simple application process
- Peace of mind without the hassle
Things to Consider
- Premiums are generally higher
- Coverage amounts may be capped
- Guaranteed issue may have a waiting period
- Not always the cheapest option if you're healthy
What Canadians Are Saying
"I kept putting this off for years. Turns out, it only took about 10 minutes. Now I actually sleep better knowing my kids are covered."
Sarah M.
Toronto, ON
"As a smoker, I thought I'd be turned away everywhere. The team found me a plan that was actually affordable. No judgment, just help."
James R.
Vancouver, BC
"The whole process was straightforward and fast. I compared several quotes and found one that fit my budget perfectly. Highly recommend."
Priya K.
Calgary, AB
Frequently Asked Questions
Skip the Exam. Get Covered.
No needles, no waiting rooms, no hassle. Get your free no-medical insurance quote in minutes.