No Medical Life Insurance
We specialize in No Medical & Simplified Issue Life Insurance. We have a number of term plans to choose from. These plans are designed for anyone who just wants a simple, fast way to buy term life insurance. Unlike other companies, many of our plans offer full protection from day one. We offer both level and decreasing term plans. All level term plans are renewable and provide coverage to age 80. If you feel you need coverage beyond age 80, all level term plans are convertible to a permanent plan until age 70 regardless of your health at the time of conversion. The level plans are available in 10 year, 20 year and 25 year term periods. The premiums on these plans remain level for the selected term period and then are renewable for additional term periods. The plans are guaranteed to be renewable regardless of your health. Our plans include more free benefits than other life insurance providers. We take great pride in providing superior customer service from the day you apply until the day the claim is paid.Â
Non-medical Guaranteed & Simple Issue Qualifying Questions
Guaranteed issue life insurance plans do not require medical questions or tests. All that is needed to obtain coverage is your signature and a payment. These plans tend to have higher premiums than Simplified Issue as no medical questions are asked and everyone is grouped together. Guaranteed issue has a two-year waiting period on death benefits. If the insured dies from natural causes within the first two years after issuance of the policy, policy benefits will not be paid. However, any premiums collected by the insurance company are refunded. Simple issue life insurance is a no-medical exam policy. You will answer a few simple health questions to see if you qualify. See our link to see which of our policies are right for you. And you have the option to select guaranteed premiums for life. Simplified issue insurance can offer more products can be offered with a higher available benefit amounts and lower premiums. Simple issue critical illness insurance covers the four most common illnesses facing Canadians today: heart attack, stroke, cancer, and coronary bypass surgery. It provides a lump sum benefit of up to $50,000. Use it to help cover additional expenses incurred because of the illness and pay monthly bills so you can take the time you need to get well.
