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4.8 Stars

Our Reviews

Excellent

4.8

Based on 572 reviews

Irene Holloway

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

Pradeep Mohapatra

Great service by Dornaz

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

Reuben Qaunaq

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

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.

Celia Alam

Very knowledgeable . Thanks Dornaz

Brenda Adams

Dornaz has been polite - pleasant - prompt in finding a suitable insurance to fit our needs. She represents your company very well. A pleasure to deal with.

André Lanteigne

Snowbirds for many years, being 80 yrs this year we had to go over the health questionnaire with an agent. Our agent, Sehar Bajwa was very helpful is guiding and assisting us in answering the heath questions accurately. And we are pleased with the travel insurance plan she recommended . Thank you Sehar

Elaine Ray

Dornaz was extremely helpful in assisting me with the best travel insurance for my approaching trip to East Africa. Knowledgeable, professional, friendly, and quick to respond, I feel confident with the coverage I purchased and with it's price. Thank you Dornaz!,

Eric M

Very easy too renew travel to insurance. Dornaz very helpful and professional

Murray Rogers

Doenaz was a very efficient and a delight to deal with.

Maureen edmonds

Dornaz was extremely helpful and patient whilst helping me organize my travel insurance. Would certainly recommend this service for all travel insurance needs.

Murray Morrison

We dealt with Dornaz for our travel insurance needs for an upcoming trip and it was a good experience and we are very happy with what she placed for us. Hopefully we won’t need the insurance but we have peace of mind knowing that we are covered if we do.

Patti McTavish

Sehar Bajwa Was absolutely lovely, she explained and helped me select travel insurance for myself and husband for our up coming trip. I will keep her contact information for future travel insurance needs.Thank you so much Sehar

Janice Greco

Artmiz was very helpful. She made the process very easy.

Muriel Whitty

Doraz was a delight to work with, very helpful, considerate and very well informed .

Mark Memorial

Domaz did a wonderful job for me. I felt like she did a very good job in getting me what I wanted and needed for my trip. Great thank you to her.

gamin Dias

Sehar Bajwa was very helpful and gave me all the options for my travel insurance policy and followed up with e mail confirmations.Thanks Sehar

Keith Balcon

I was shopping around for travel insurance and decided to work with Sehar Bajwa Her professionalism and expertise are exemplary. She was able to answer all our questions, responded in a timely manner, and provided a great client experience overall. If you are looking for this type of service, I have no hesitation whatsoever in recommending her.

Steve Dufresne

Courteous, polite and efficient.Dornaz was great.

Rosemary Heska

Dornaz. Was very helpful. Patient and went out of her way to explain the travel policy to me.Excellent person. And I would highly recommend your firm just from my experience with her.Rosemary Heska

Jill Geiger

Dornaz has been extremely helpful, professional, patient & pleasant in our recent travel Insurance business recently. Thank you Dornaz!Jill & Ralph

Cindy Wiley

I went online to look into travel insurance as mine was expiring soon. I filled in the information needed and expected a call from a representative.Sehar Bajwa called me a little while later. She went through my application with me and quoted me the rate. The rate was lower than I was given online. I told Sehar that I wanted to take the insurance with Allianz.Sehar was very helpful, answering my questions and putting my application through. A few hours later my travel insurance policy came through in an email.Thank you Sehar for all your help.Sincerely,Cindy Wiley

Mary Rol

My agent went over and above to make my experience a great one .. she searched to make sure I got the best policy and price available.. highly recommend my agent

Lea Hajnrych

Dornaz was most helpful in helping me to understand and complete our application for travel insurance. She is polite and cheerful to deal with and answered all my questions.

Peter Rizk

Had a great experience with George Solomonov. Was very informative, knowledgeable with all questions and kept up with my busy schedule. Highly recommend George!!

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.

Barbara Whates

Very obliging and helpful. Will go back again when needed .

Lynda Russell

I have used Dornaz for several of my group trips, always helpful. Enjoy dealing with herThank you

Sam Crosby

Artmiz was quick, efficient and she made the process of booking travel insurance a BREEZE. I highly recommend Alliance for your travel insurance needs.

George El Khal

Thank you Dornaz, your help was effective and clear .

Ron Benvenuto

Agent was very helpful, polite and efficient.

Ann Cox

Dornaz was exceptional in helping me with getting both my travel and medical insurance. She was always available to answer all my questions and concerns and the whole process went smoothly. I would highly recommend Dornaz to anyone looking for travel insurance.

Sherryl Enns

Dornaz was very helpful everything went smooth !Thanks

Alaire Zavers

Dornaz was most helpful in clarifying my questions regarding the Travel Insurance I had obtained from the associated Manulife website.

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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