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Based on 709 reviews

joan hut

I had a very positive experience speaking with Karen over the phone. She was extremely helpful, attentive to detail, and took the time to clearly explain all of the insurance coverages available to my mom. Karen was patient, knowledgeable, and made sure we understood all the options before making any decisions. Her professionalism and excellent customer service made the entire process easy and stress-free. I truly appreciated her assistance and would highly recommend her to anyone looking for insurance guidance.

Claire May Peel

Efficient, knowledgeable and fair pricing for product received

Deborah Williams

The gentleman that helped me was great to work with. Quick and easy and an excellent quote.

Carter Laing

Great work, for helping us out regarding our Insurance. Thank you Thereas

Anne Schmidt

Artmiz was great. Very personable & helpful. I just wish she spoke slower on her messages. Just a little bit.Thanks,Anne

Kevin Gass

Karen Wright-Ebanks was very friendly, helpful and efficient in searching the best estimates for our needs. I will be contacting her again next year!

Shelley Moyle

Martin was very knowledgeable about the terms of the policy and got back to me, when necessary, I a timely fashion. Martin is very polite and pleasant to talk to .

Paul Fletcher

I cannot say enough about my experiences with Artmiz.I know each time I call her she has done her utmost to give me the best offer and provides the detail so its very easy to understand.I have recommended her to many of my friends.

jerry dubilowski

Good service and reliable and trustworthy information Thank you

Evelyn Bullington

Quick and easy

Bob Warren

Gabrial was the BEST he searched and found the BEST rates and options. My travel plans are so much easier with that help.

Barb Moore

Gabriel was very friendly and polite. He answered all my questions and explained my options. I felt very comfortable dealing with him.

joan gowan

Shiwani I was very helpful and a pleasure to work with

Maggie

Sehar Bajwa was very easy to deal with and answered my queries promptly. A very good experience.

Lyndon Pilgrim

Great service from Dornaz. Very courteous and helpful to complete my travel insurance

Stewart Clow

Dornaz got me a less expensive plan and canceled the one I mistakenly purchased. She was very professional and completed things in a quick efficient manner. I’ll be back next year.Here I am next year.

judy kohne

Gabriel was very helpful and patient with the questions I had. What I liked most is that he would provide the information I needed and then just waited for me to decide without any pressure.

otilia miranda

I had a great experience speaking with Gabriel .l received a call with in minutes of my inquiry on line . He was very polite and knowledgeable. It took no more than a few minutes to obtain a quote for travel insurance. I will definitely contact him for future inquiries.

V М

Very professional support.

lesley staite

Shiwani was a pleasure to interact with …she was knowledgeable and explained every thing in detail when I was looking for information on Out Of Country Health Insurance Coverage. She was extremely patient when I asked her for more clarification /explanation of questions asked.Would certainly recommend her when looking for out of province health insurance coverage .

Sue Alexander

Shiwani was most helpful and precise. Because we were leaving the next day for our holiday, we needed insurance quickly. Shiwani has a wonderful customer service and we were able to get our insurance when needed. It was a pleasure working with her.

Brian R. Post

I just recently renewed my travel insurance through Alliance Income Services Corp, with my agent Sehar Bajwa being very efficient and effective to put my coverage in place. I am appreciative and grateful for her excellent service and knowledge. Thank you, Sehar!

Vicki Robinson

Clarity about what was offered. Searching for the best deal for me.

Michael Greenhill

AIS and in particular Donaz was extremely knowledgeable and helpful in recommending our travel insurance at a very reasonable cost. Great work Donaz, thank you!

Paul McLean

I would recommend Ofir from Alliance Income for my travel insurance needs. He was fast, efficient and was able to source my travel insurance needs a a lower price than a was able to obtain from several insurance companies. Thanks!

Diane Pare

very funny, attentive, informative and would return my call within no time at all. followed up with a phone call to the company to further my comfort zone. would definitaly work with him again

Gavin Watts

Gabriel is excellent , full knowledge, polite and respectful, interested in making one feel welcomed. Recommend this sign in service to anyone needing travel insurance.

Walter Jong

it was such a pleasure to work with Artmiz Namazi in my purchase of medical travel insurance. Not often do I receive the care and authentic interest in ensuring that my needs and concerns were addressed. At the end of the day, all the costs were practically the same among many of the financial institution but Artmiz was the difference and her well deserved goodwill finalized the decision to purchase from her. Thank you so much Artmiz for all your help and assistance.

Gerry Scharff

I was surprised to receive a phone call from Alliance and then to have Dornaz walk me through the medical questions and quote a reasonable price. She was polite and very helpful for all my needs.

mary lou mcgregor

Very efficient and caring individual. He completed his role in a highly professional manner

Caralyn Crocker

Ofir Mizrahi , he handled all our transaction he was kind considerate and very professional. He made sure I understood the policy. When I couldn’t find what I needed he helped me navigate through. If all your company is as good as him you have great team . If they aren’t I’m glad I had him . Thank you for professional consideration of helping meCaralyn Crocker

Greg Glass

Her attention to detail was great. Answered all my questions with no hesitation. Highly recommend contacting her for your insurance needs.

Dave Randhawa

Dornaz provided me with exceptional service,very professional and knowledgeable.Thank you Dornaz for assisting me get my travel insurance,it was a pleasure doing business with you.

Joyce Johnston

Shiwani was very helpful, and explained everything clearly

Christine Hamilton

Ofir was amazing and he was able to get an incredible deal for my upcoming cruise. Very professional!

Sheryl Dobenko

Ofir was very helpful and thorough in advising and organizing our trip cancellation insurance for un upcoming trip to Africa.

Colleen Butler

Dornanz was vey helpful and went out of her way to find us the best policy.

Rita Roy

Great at what he does!

Richard Humphries

Dornaz has been very helpful tailoring my insurance policy to suit my specific needs. She was prompt in replying to my messages and questions. Thank you, Dornaz

Ivana Gremo

I purchased travel insurance from Dornaz several times.She is very knowledgeable and takes time to explain all concerns I would have.I would highly recommend her to anyone who needs to purchase travel insurance.Ivana

cathy othmer

For was very patient and helpful

Diane Roy

I appreciated Shiwani patience. She was easy to understand and very helpful when I was concern about my transition. 👍

Frank Spencley

Great experience

anthony schiavone

We bought multi trip ins. today with Artmiiz . Tried different compa nies need to say we found Artmiz very informative patient and professional. Thank you.

Bruno Settimi

Ofir Mizrahi was very helpful and answered all our questions professionally.

Shirley Watkins

We dealt with Ofir who was pleasant to speak with and met all our needs.

Sally Orviss

Very professional and friendly service. Made it easy!

What is No Medical Life Insurance?

No-Medical Life Insurance policies are usually issued using simplified underwriting, meaning applicants are not required to undergo physical examinations to receive coverage. This type of policies are faster to process and have a higher issuance rate compared to fully underwritten Life Insurance plans.

If you have a pre-existing condition, it can be difficult to qualify for regular policies. Simplified underwriting Life Insurance provides coverage for people who otherwise would not be able to obtain it.

Is No Medical Life Insurance the right choice for me?

You are unlikely to get coverage through fully underwritten Life Insurance policy if the following applies to you:

Have a pre-existing condition (such as diabetes, cancer, HIV, etc.)
Have been denied coverage for a fully underwritten policy
Have a dangerous profession (such as miner or commercial fisher)
Have substance abuse issues
Have impaired driving convictions
Do not feel comfortable with your blood being taken

Even having a dangerous hobby, such as sky diving or rock climbing, can lock you out of traditional Life Insurance plans. In these cases (or if you require immediate coverage), No-Medical Life Insurance is a great, although more costly, alternative.

What is the cost of No Medical Life Insurance?

No-Medical Life Insurance premiums are higher compared to the cost of regular policies with equivalent benefits because insurers take on more risk by not conducting a medical examination. Your potential coverage will also be lower for the same reason.

While No-Medical Life Insurance is a great option for difficult to insure individuals, we recommend applying for a regular Life Insurance policy for more flexible, cheaper and greater coverage, if you think you can qualify.

Types of No Medical Life Insurance in Canada

Depending on your situation, you can choose between the two types of No-Medical Life Insurance:

Simplified Issue Life Insurance

It skips the medical exam, requiring only to complete a medical questionnaire from its applicants. Questions include personal information and detailed medical history. The applicant’s answers influence the amount of coverage and the price of the plan. This is an excellent option for difficult to insure individuals. However, coverage can still be denied depending on how certain medical questions were answered.

Guaranteed-Issue Life Insurance

It skips both the medical exam and the questionnaire. Regardless of the applicant’s health condition and medical history, they will receive coverage. However, the insurance company will consider the applicant to be part of the highest risk group, resulting in low benefit amount and high premiums. If the insured passes away within the first two years of acquiring their policy, the beneficiaries will only receive the amount that the policyholder paid in premiums during that time.

How to Save Money on No Medical Life Insurance?

The best way to save money on insurance is to shop around and compare rates from different providers. This can be an exhaustive and time-consuming process. Thankfully, Policy Rates takes care of it for you! When you request a quote through our website, we check what rates you can get from every major Canadian insurer.

Policy Rates provides you with the lowest rates for the level of coverage that you desire from top insurance companies.

Are You Healthy?

If you are healthy and can qualify for regular life insurance, apply for a fully underwritten policy to pay significantly lower premiums.

When Is Your Birthday?

Your age bracket impacts your premiums. Avoid higher rates by purchasing a policy before your next birthday.

Are You a Smoker?

Smokers can pay up to 100% more for the same level of coverage. Consider quitting for a considerable reduction in your premium payments.

Renewing Your Policy?

Rates can change over time. Instead of renewing your plan, shop around for a new policy or consider converting your term plan to permanent Life Insurance.

Are You Healthy?

If you are healthy and can qualify for regular life insurance, apply for a fully underwritten policy to pay significantly lower premiums.

When Is Your Birthday?

Your age bracket impacts your premiums. Avoid higher rates by purchasing a policy before your next birthday.

Renewing Your Policy?

Rates can change over time. Instead of renewing your plan, shop around for a new policy or consider converting your term plan to permanent Life Insurance.

Are You a Smoker?

Smokers can pay up to 100% more for the same level of coverage. Consider quitting for a considerable reduction in your premium payments.

No Medical Life Insurance Quote Form

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Get No Medical Life Insurance Rates in Minutes

Honest Rates. Dependable Coverage.

Our Reviews

What is No Medical Life Insurance?

Types of No Medical Life Insurance in Canada

Simplified Issue Life Insurance

Guaranteed-Issue Life Insurance

How to Save Money on No Medical Life Insurance?

Are You Healthy?

When Is Your Birthday?

Are You a Smoker?

Renewing Your Policy?

Are You Healthy?

When Is Your Birthday?

Renewing Your Policy?

Are You a Smoker?

No Medical Life Insurance Quote Form

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