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Our Reviews

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4.8

Based on 416 reviews

Gail Campbell

Dornaz was very friendly and professional providing me with travel cancellation/interruption insurance.

hanne sajda

I’m so happy in dealing with Ummi Hanny , she’s absolutely a star, she really helped me finding the right insurance for me.

Denise Morgan-Fell

Great travel insurance Dornaz was very professional.

A. Ron Algate

Very pleasant, efficient and helpful

Brent Clayton

Very easy to set up policy on a ti.ely manner.

Nora from Aurora

The cost quoted was definately comparable to other carriers. My only complaint is that you can never call and get a direct quote. You always have to leave a message and wait for a call back. I find that inconvenient. It took me 2 days to get a quote. It used to take less than 30 minutes.

pradeep mohapatra

Great service by Dornaz

Dennis Wright

Dealt with Sehar Bajwa for travel insurance coverage for Caribbean cruise.Dealt with her for previous policy as well.Was very pleasant and helpful in completing the application.

Noguts

we dealt with Dornaz as our agent. Great service. First time using Alliance but will not be our last. Thank you

Gerald Berezuk

Dornaz was knowledgeable, professional, friendly and took the time to explain things clearly

Genry Garcia López

Thanks to Mia Chen we were able to get our home insurance. She is very professional and safe.

Lily

I reached out to Alliance in my search to get travel insurance for an immigration visa for a family member. Ummi has been great throughout the process. She was available for all questions I had and assisted me in extending the plan as we had delays. I highly recommend her services as an insurance broker.Thank you Ummi!

Dee Tung

Sehar Bajwa looked after all my travel insurance needs in the utmost professional mannerShe was very helpful asking the right questions to help get the insurance that was right for me. I will definitely call her for my next trip to Japan

James Francis

To date everything promised was delivered. If we ever need to make a claim, I will update with our experiences

Pratibha Malavia

Sehar Bajwa helped me with buying travel insurance for my husband. She was amazing!! The process was fast and painless. This was first time buying travel insurance and I was little leery about it but Sehar was very helpful in answering all my questions and she was very patient and caring. Thank you Sehar for making it so easy for me and it was pleasure dealing with you.

Suzanne & Roy Cormier Palmer

A fantastic experience! Sehar could not have been more helpful and competent. It was a real pleasure with someone so efficient and patient. I have already recommended Alliance Income to some friends and directed them to Sehar. Great work! Keep it up!

Antonio Talanga

Very knowledgeable and able to recommend the best insurance for the circumstances

Jan-Paul Landry

Sarah, was very helpful in providing us with answers to our questions, and guiding us through our needs for travel insurance.

Chris Paveley

Excellent service from Ummi.

Dave Fabello

Sahar provided a detail of my coverage was very courteous allowed me to review! After a couple weeks later we reconnected to secure!Great experience!

hayam rozik

Thank you Sehar Bajwa, prompt helpful and professional.

Janet Fountain

I got my out of country medical insurance assisted by Sahar. It was a pleasure workingwith her and will be contacting her for any future trips. Thank you Sahar.

Edgar Montano

Attended by Artmize, good customer service, puntual and very professional. Will continue making bussiness with her.

Kevin Rodger

Sehar Bajwa was great and very knowledgeable. Sehar has been more than helpful over the last few years with my travel insurance needs. Thank you again Sehar.

Deb Knight

Sehar was super to deal with! she called with clarifications and any questions. Very happy with our travel insurance purchase. Hoping if we need to use it will be clear and easy too. Thank you Sehar we appreciate you

Mary Crossan

Sehar Bajwa gave us a lot of attention over 2 days with a details sent by email and over the phone. We obtained exactly what we wanted for medical insurance for the trip. Thank you Sehar!!Mary Lou and Fred Crossan

Rachel Blouin

I’ve dealt with Sehar for the last few years and she is knowledgeable and helpful when purchasing our insurance for our stay in Florida for the winter I highly recommend her

Faye Libler (MacGIRLver)

Sehar was wonderful to deal with while buying medical insurance for our winter in Arizona. We had been having trouble securing insurance for my husband because of some health issues and she found a company very quickly that would cover him. Of course we always hope not to have to use our insurance but if we do I hope it goes as smoothly as when we purchased. Thank you Sehar!

Linda

Sehar Bajwa always followed up and double checking all prices and providers for the best insurance to fit our needs. Very patient and thorough, highly recommend her expertise

Cindy Mathison

Quick, reasonable and the broker, Sehar Bajwa was helpful, knowledgeable and kind.Thank you Sehar!

Donna Karjalainen

Sehar was a great help in sorting out my travel insurance, even while I was on the road, follow up was easy.Emergency medical and Trip insurance, got a great rate, tks again Sehar!

John Fantin

Service was excellent. Assisted in every way possible to clarify my needs.

Mikhael Chernitsky

I and my wife got travel insurance with help of insurance agent Sehar Bajwa. Tanks a lot for Sehar Bajwa for very professional and competent job.

Bandna Sawhney

Thanks Sehar for your knowledge and patience while I decided which package to take!! Well done!

Joy McDonell

I had a great experience with Sehar when purchasing my travel insurance.

Katiana Lo

Thank you Ummi, Alliance Income for her wonderful service, she was helping me with travelling insurance with professional manners, giving me options and advices that I felt very comfortable and confidence. The process was smooth and efficient, right after the phone call process, the policy was immediately delivered to my e-mail. I would recommend Alliance Income and agent Ummi. Thanks.

Pam Singh

Spoke with Artmiz. Very knowledgeable and very professional. Answered all my questions.Would highly recommend her to family and friends...actually, I already did and my friend was very pleased with the service she received

Eklove Shatner

My dealings with both Adam and Theresa were handled in a professional prompt manner giving me confidence in Alliance. I hope never to have the need to use my coverage, but I would hope that the experience would be as good.

Stephen J. Rushford

Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!

Joanne Hunt

Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.

Geoff Stiles

Artmiz was capable, responsive and punctual. A good experience!

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

4.8 Stars

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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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