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No Medical Life Insurance

What is "No Medical" required life insurance?

Due to those societal developments and conditions related to COVID-19, several insurance companies have eliminated the need for a medical exam and fluids while still providing competitive life insurance rates. In contrast with standard life insurance policies that require medical exams, “no medical” life insurance does not require blood tests, blood pressure results, urine tests, etc. Since testing is not done, the risk is higher for insurers, but with those recent changes in the industry, there is no change in cost to the consumer.

Types of “No Medical” Life Insurance

These plans without the medical examination requirement frequently have coverage limits in place to reduce insurance risk. There are essentially two forms of non-medical life insurance:

Simplified issue life insurance does not require a medical examination, but does include a number of health-related questions. In general, the longer the health questionnaire, the lower the cost of the insurance coverage.

Guaranteed Issue life insurance does not require a medical exam or answers to any health-related inquiries. These plans are available even if you’ve been previously turned down for insurance. The face amount of a Guaranteed Issue Life Insurance policy is usually $5,000 to $50,000. Generally, Guaranteed Issue policies have a deferred period of coverage. This means that during the first one or two policy years, premiums paid (sometimes with added interest) would be returned to the beneficiary if the insured passed away.

How does “No Medical” life insurance work?

At Canada Protection Plan, there are several insurance policies that do not require a medical test. Guaranteed Issue plans are useful for people who have significant illnesses and would  not otherwise qualify for coverage. Guaranteed Issue policies are for anyone who has a severe illness and may otherwise be difficult to insure. 

These insurance coverages are comparably expensive since the insurance company has assumed an increased risk by insuring the client. This “no medical” life insurance is ideal for individuals looking to cover final expenses and potential funeral costs.

Why is Experior Financial the best?

To qualify, answers to medical questions are required despite no requirement  for a paramedical, fluid test, or doctor’s report. The death benefit levels are limited and the premiums will be higher than standard life insurance issued policies. The plans Experior Financial Group associates offer are suitable for those between the ages of 20 to 85 years old. At Experior Financial Group, our objective is to provide great solutions for our customers. We assist families by giving them the best protection at affordable prices, while our brokers work with most of Canadian life insurance companies to provide the best value for your unique needs. 

Because “No Medical” Life Insurance policies differ so widely across Canadian life insurance carriers, it is recommended that you consult with an expert insurance broker to help you determine the coverage that  best suits your needs. To see your life insurance options, you may provide your phone number and email address via Experior Financial Group’s contact form  and a licensed associate will contact you shortly. An Experior associate will be happy to walk you through the application process and determine the coverage best for you. 

In the right circumstance, buying term life insurance without a medical examination is extremely convenient and reduces the time needed between applying for coverage and the policy’s approval.


Yes you can. But it may be dependent on the amount of coverage and the age of the insured, policies for life insurance may not need a medical examination. Sometimes health related questions may be asked. The answers to these medical questions help the insurance provider evaluate the risk and cost of the coverage effectively. No medical exam coverage is fantastic if the insured meets the insurance providers’ requirements. These plans help applicants save application and issue time, whilst avoiding the stress of a medical exam.

For a simplified issue life insurance policy in Canada, the client will have to answer a set of questions, including disclosure of existing health conditions such as e type 2 diabetes, and heart disease/heart attacks, among many other health issues. 

“No Medical” life insurance may result in an increase in premium for the policy. However, this will allow the client to entirely avoid any medical examination, which commonly includes blood and urine tests. These insurance providers only require some answers to those health-related questions to determine your qualification.

In Canada, funeral expenses are expensive and cremation costs have gone up recently with inflation. “No Medical” coverage is great for pre-need plans to cover funerals. The average minimum burial coverage is between $4,000 and $15,000, while more elaborate funerals may cost significantly more.

Yes, smokers are eligible for coverage. Costs of coverage are higher for smokers, so before purchasing your life insurance policy, we recommend verifying your coverage with an Experior Associate.They will help find the most competitive life insurance rates available.

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