Get No Medical Life Insurance Rates in Minutes

Honest Rates. Dependable Coverage.

Live your life to the fullest knowing that your loved ones will be financially secure in the unfortunate event of your passing.

4.8 Stars

Our Reviews

Excellent

4.8

Based on 470 reviews

Ingrid Swenker

Excellent service from Sehar Bajwa. Not pushy answered questions and got the policy to me quickly. Thank you

Lynne Fulcher

Sehar was very helpful. Made the process painless!

estolte

Sehar Bajwa was the agent with whom I spoke. She was very helpful and efficient. I was also quoted Travel Cancellation and Interruption Insurance by two other agents at different companies. I went with Sehar because she provided me with the most thorough information and an excellent rate.

steve R

Wow what a great experience these guys are so knowledgeable.

Parfiano

I recently had the pleasure of working with Dornaz at Allianz global assistance who helped me secure health and dental insurance, and I couldn't be more satisfied with the experience. From the moment we started the conversation, she was incredibly knowledgeable and attentive to my needs. She took the time to explain all my options clearly, ensuring I understood the details of each plan.What stood out the most was Dornaz’s patience and willingness to answer all my questions, no matter how small. She made the entire process smooth and stress-free, guiding me through all the process and making sure I felt comfortable with my decision. Thanks to her expertise, I feel confident that I chose the best health insurance plan for my needs. I highly recommend Allianz Global assistance services to anyone looking for reliable and friendly assistance in navigating health and dental insurance options! From my experience, Allianz Global assistance is the best insurance company outta here!

Tom Smith

Agent was very pleasant and efficient in providing an immediate quote

John MacDonald

I was researching for a travel emergency medical plan for seniors. Allianz was on my list but I hadn't made contact as yet. I received a call back from Ummi Hanny of Alliance as a result of one of my queries and I'm delighted with the result. She listened and guided me through the process with great skill, knowledge and understanding. She forwarded a quote and afforded me time to consider the offer over the weekend and we would reconnect early the next week. This also gave me time to continue my research with a better understanding. which I much appreciated.We spoke on Tuesday and concluded the signing of the coverage offered through Alliance. It was the best plan for me, coverage wise, duration and financially. The fact that Alliance is a European based company is a plus as that is where I'm traveling as well as non U.S, based.Ummi's engaging style lead to these discoveries for me. She was attentive, knowledgeable, personable and genuine. She represents her organization extremely well and I would not hesitate to recommend Alliance and/or engage your service in the future.SincerelyJohn S. MacDonald

Eva Young pow

Sehar Bajwa was very efficient, professional and knowledgeable. I was extremely pleased with her prompt service and pleasant personality.

Beth Foster

Your customer service caller was so helpful. I felt confident going ahead and signing up for health insurance for my upcoming trip. Thank you for your patience and friendliness during the call. I feel better about spending a few days in the United States knowing I have health coverage.

Evelyn Dickson

I went online for a quote. Then Sehar called me with a quote.Sehar was wonderful. So professional and easy to understand.It was a delight speaking to her. Also the price was the best.

krystyna Harasymowicz

Artemiz Namazi was very professional, patient, and friendly while helping me purchase medical insurance for myself, my husband, and my son.

Miriam Assouline

I had a wonderful experience with this company! Ummi was incredibly helpful, professional, and kind throughout the entire process. She made everything so easy and stress-free. I truly appreciated her support and would highly recommend her to anyone. Thank you, Ummi!

Fern Michel

Recently purchased Trip Cancellation /Interruption Insurance from them. Say their advertisement on Facebook. The company was easy to deal with and provided information to make an informed decision. Despite not be able to deal with my initial contact person, Artmiz was very attentive, helpful and thorough. The rating given was earned

Joe Kilford

Shana and George at Alliance were amazing to work with. They were very friendly and prompt in all transactions.

Theepan Moorthy

Sehar Bajwa she is very good helpful. Travel insurance very good purchas price .

Robert Grills

As seniors in our + 70s we know travel medical insurance can be costly without taking out a mortgage. Fortunately our health is better than most our age or even some younger and understand Insurance Underwriters and Acturaries go by statistics. The agent we talked to Karen Write was absolutely patient and helpful. We were pleasantly surprised by the quote she gave, as the quote we had from another carrier was about 3 times more. Naturally we went with Karen Write at Alliance. We can't thank her enough for being so patient, undestanding and helpful. If in the future we are fortunate, health wise, to continue to travel we will definitely call Karen Wright at Alliance. CUDOS to Karen Wright

Edwin Drewlo

Clear Communication and assurance of service

Nadir Habib

i was very impressed with sehar prompt response and helped me through with me getting what i needed

Judy Howard

Sehar Bajwa was very competent and helpful. I have dealt with her for 3 years and I always get the same quality service when purchasing travel insurance from her.

Danny Swain

I have just worked with Dornaz Samiei in purchasing trip insurance, and she was informed, efficient and friendly. I couldn't ask for more. Thanks.

Kelly LePage

Sehar Bajwa was extremely helpful while we were searching for travel insurance for our upcoming trip. Sehar provided all necessary information and setting up the required insurance was very easy and well-priced

I R b

Geting tarvel insurance,all process to finalaize our insurance documents was pleasent because friendly (not puschy)and very profesional lady Sehar Bajwa thank you SEHAR

Len Hirsch

Simply an Amazing Individual. The Reason I buy my Insurane from.Allianz!!!!Thank You Dornaz!

Susan Madden

Dornaz was very helpful and responsive to my requests which I really appreciate!

Susan White

Thank you Dornaz Samiei for the above service you gave me today. You have so much knowledge and patience.

anne johnson

Great help by Alliance Sehar was a great help.

Maida Kellgren

Dealing with Dornaz was such a pleasure. Great customer service!

Donna Hemming

Azita was very helpful and patient with me as I was trying to make my travel insurance choice. She called me back about 3 times and when I was finally ready, she was away and Dornaz was equally helpful in completing my application. I would recommend this company!

Dawna Shane

Very helpful and friendly people to deal with. Dornaz answered all my questions and helped me with my travel insurance. I would highly recommend this company.

Tina Rhodes

I am very pleased with the service I received from Alliance. Dormaz was my contact. She was very friendly and easy to talk to. She answered all my questions with kindness, patience, and respect. She found me a policy which offered the coverage I wanted at a better price than I had been able to find on my own.

Robert Hamilton

Very friendly and easy to talk with. Dornaz explained things clearly and allowed me to ask any questions.

Frances Heywood

Very friendly and efficient service!

marg marlin

Spent time searching for best options for my needs

Barbara Hanser

Dornaz was extremely helpful to get the right travel insurance for us. She was very friendly and knowledgeable.

Darla Sward

Ummi. Excellent representative. Very pleased.

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.

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

All Products Form (#3)

First Name

Last Name

Contact Number

Province

Product

Age

Company Name

Employee Count

Do you currently have benefits?

By clicking on 'Get Quotes' button, you agree to our Terms of Use and Privacy Policy. You provide consent to be contacted for the purpose of being provided information, rates and details on any product from any insurance company or financial institution. You can unsubscribe at any time from this service.

Referrer

4.8 Stars

Menu

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

Get Updates and Stay Connected - Subscribe to our Newsletter

Why Choose Us

Insurance Services

Resources

About Us

Services

Resources

About Us

What would you like to save money on?

Need an Urgent Quote?