Non Medical Life insurance product is designed to meet the insurance needs of the most challenging applicants. Even If you were previously refused insurance or you have serious medical conditions , you may be eligible for this plan.

We specialize in Non Medical Insurance and have a variety of plans and options to fit your individual situation. Many of our plans offer full protection from day one, if you qualify.

For non medical insurance plan you do not need doctor’s visit or a medical report . All you have to do is to simply answer a few easy “yes” or “no” health questions and you get insured without medical exam with affordable premium and 100% tax free death benefits.

Non Medical Term Life Insurance

This plan is suited for seniors or hard-to-insure Canadians who have temporary insurance needs but they have serious health conditions and people previously declined for insurance.

These Non medical term Life provide insurance protection for a coverage period of 10 years, 20 years or to age 100. the policy will expire at the end of the coverage period, for 10 and 20 years however plans to age 100, premiums will no longer be required after this age but coverage will continue for life.

These policies are available to applicants age 20 to 70 for a limited face amount.

Non Medical Permanent Life Plans

Depending on you Current health Permanent non medical life is designed for relatively healthy people who want coverage fast; or someone with less serious health conditions or if you don’t want to take a medical exam or provide a doctor’s report. Full protection starts as soon as you are approved.

The coverage provides permanent, lifetime protection with a guaranteed level premium. Policies options are available for applicants ages 25 to 80 for amounts for a limited face amount

These policies provides immediate coverage with no waiting period. Applicant may elect to pay the same premium for the life of the policy or may choose to pay a higher premium for only 20 years.


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Have you lived in Canada for less than 12 months ?

In the past two years, have you had an application for Life or critical illness insurance declined or postponed by any company?

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