No-medical and simplified issue
Coverage that skips the medical exam, what you give up in exchange, and when it is the right tool.
5 articles in this section
No-medical coverage skips the paramedical exam. Some of it skips the health questions too. It exists because a person who has been declined elsewhere, or who needs coverage in place quickly, still has a real need.
What you give up is worth understanding before you apply: lower maximum coverage, higher cost for the same benefit, and on the no-questions products, a waiting period before the full amount is payable. None of that makes it a bad product. It makes it a specific tool for a specific situation.
New to this? Start with What no-medical life insurance is, then come back for whichever question below is yours.
Start here
Everything else in no-medical and simplified issue
Simplified issue life insurance
How simplified issue works, the kinds of knock-out questions insurers ask, why answering carefully matters, and where it sits against full underwriting.4 minGuaranteed issue life insurance
What guaranteed issue coverage does and does not include, the waiting period at the start, the low coverage ceiling, and when it is the right last resort.4 minWaiting periods and graded death benefits
How waiting periods work on Canadian no-medical policies, return of premium versus graded benefit designs, and accidental death cover.5 minFinal expense insurance
What final expense coverage is for, what a Canadian funeral actually costs, and how it compares to prepaid funeral plans and setting money aside.5 min
Talk it through with a licensed advisor
Reading about how coverage works only gets you so far. What is actually available to you depends on your health, your age and which insurer is looking at your file.
A few questions about you and your health, then a licensed advisor comes back with the options you can actually apply for. No obligation, and a quote is an estimate rather than an offer of coverage.
Send the question you actually have. A licensed advisor replies within one business day. Nothing gets started until you say so.
Would rather talk now? +1 877-418-8847
