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4.8 Stars

Our Reviews

Excellent

4.8

Based on 604 reviews

Joe Wery

Sehar Bajwa was knowledgeable and provided explanations for all insurance coverage. Process was simple and easily done over the phone.

Angele Faucher

Muhammad was very patient with me while I decided.i recommend dealing with Muhammad .I think having insurance puts my mind at ease.

Sylvain

I always like to shop around to get the best deal, without compromising quality.My research brought me to Allianz and I was contacted by Sehar Bajwa, who answered all my questions and sent me an email with all the details.Not only was Allianz the best price, I also got good service from Sehar.I hope that I will not need the insurance but if I do, I hope the good service I have received so far, will continue.Thank you Sehar.

Heather Sutherland

Good assistance.

beth oberholtzer

Dornaz is an excellent agent! She is personable and very willing to provide lots of options. Highly recommend. Beth

Dale Hildebrandt

Dornaz provided our travel insurance efficiently and promptly. Her communication was clear and professional. Very pleased to work with her!

Mary Bortignon

I recently had the pleasure of dealing with Muhammad regarding travel insurance. I can't say enough about him. I had a few issues created by my Costco m/c. He went above and beyond to make changes to my policy because of m/c. I certainly won't hesitate contacting him in future for future travels or recommending him to friends & family. Thank you Mary Rate 110/100

Gloria Millar

So friendly and easy to talk to.

Michael Gabas

Dornaz was very helpful. Patiently listened to my concerns and questions as well as provided timely and what seemed to me as appropriate responses. Felt comfortable dealing with her on the phone.

Mary B

I had the pleasure of meeting and working with DORNAZ for my personal health and dental insurance. She is an absolutely incredible. She listened to me and provided detailed information during our first call. She was very diligent in following up with me by email. She was very patient as I had changed my request after she did everything. I can honestly say that she might be one of best people I have spoken to in the customer service industry.She is a valuable asset.Thank you DORNAZ !!!!!!

Kathleen Magladry

Muhammad at Alliance was helpful and responsive.

myles bunting

Friendly and efficient service provided in a prompt manner. All questions fully answered.

Alexandria

Very responsive to my many questions and super efficient process

Miriam Hartman

It was a pleasure dealing with Muhammad . Would deal with him again.

Sharon

Just booked my travel insurance! Doran’s is the best! Thank you so much

Jackie Keir

Muhammad was excellent, it took a few days because of technical problems, not Alliance issue. Will definitely use again, got us the best price for travel insurance. Thanks Muhammad

T Nguyen

We have previously obtained travel insurance with Alliance through Costco Travel insurance. After Alliance email reminder, I have filled out request for multiple trip quote. Sehar Bajwa called back and helped me to complete the application. I received by email the Manulife Travel Policies right after. Thanks

Gerard Thompson

Muhammed Suleiman was professional in his dealings.

valerie szilock

I worked with Artmiz to arrange travel insurance. She was very helpful ,answered my questions and clearly outlined my options. I will use Artmiz at Alliance for future travel.

Loraine Anderson

Dornaz was very helpful and I appreciated all her efforts to sign me up for my travel insurance.She will be my “go to” girl for any future travel needs!Loraine

Maria

My agent is Muhammad Suleiman

Jessica Martinelli

I had an exceptional experience with Ofir Mizrahi. Even though I didn’t end up purchasing a policy at the moment, his level of customer service truly stood out. He was incredibly professional, knowledgeable, and patient, taking the time to explain every detail clearly without any pressure.You can tell he genuinely cares about helping people make the right decision, not just making a sale. That kind of integrity and dedication is rare to find.I highly recommend Ofir to anyone looking for honest, reliable, and top-quality service. I will definitely reach out to him again in the future!

Mona Hadisi

Dornaz is always very helpful and provides all the details and suggests the best option

Joe Daigle

Dornaz was extremely helpful and efficient, a pleasure to deal with. Highly recommend her for travel or any insurance questions or policies.

C J

Dornaz was very helpful during my search for travel insurance!

Kim Keller- Rakochy

Very polite and courteous.. My agent, Dornaz, was very helpful and efficient booking my travel insurance. All needs were met in a professional way. Thank you.

Brenda Burton

Great customer service!! Very friendly

Vivian Guo

I am very grateful to Sehar Bajwa for her help. She is very patient and professional.

Franz Hasenhundl

Dornaz made it very easy getting a quote and then completing the deal.

Natalie Haak

Sehar promptly replied to my emails and answered any & all questions I had. Great rates on medical/travel insurance.

Irene Holloway

Dornaz was great to work with. I will be using her for all our trips

Pradeep Mohapatra

Great service by Dornaz

Lololo

Artmiz provided great service and advice for our last trip so we decided to contact her again for our next trip. She answered all my questions and was very friendly and helpful. I believe she gave me the best insurance deal for my trip to Portugal.

Milia Kats

Thank very much for the excellent service, great knowledge in getting for me the best plan for the travel insurance. Well bone!!!

Louise Zenzen

Very efficient, lovely to speak with and made booking insurance much easier for me

Ahmed Shaat

Dornaz was a great help signing me up for my benefits plan.

helen carey

Artmiz was so helpful with getting my coverage for both my trips.It was a pleasure dealing with her.

Margot Brunelle

Dornaz was efficient, friendly, and helpful! Thank you ..

Francine Menard

Artmiz Namazi was very efficient and informative with regards to my requirements for my upcoming trip. Received all my documentation within minutes. She made it a very pleasurable experience!

Reuben Qaunaq

I highly recommend this insurance; Dornaz was extremely helpful and kind throughout the process. Easy and quick

Maggie VH

Artmiz Namazi was amazing. She was very friendly and knowledgable and prompt with a quote. I asked for companies for a quote and your company was the cheapest. I called her back and placed my order for travel insurance for two months. Thank you so much.Artmiz. It was a pleasure dealing with you

Doris Concepcion

I always get great service from R'ceino and Artmiz that's why I keep coming back to your company for our family's travel insurance. Thank you.

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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