F.A.Q

No-medical life insurance provides coverage without requiring a medical exam or extensive health questionnaires. It's ideal for those with pre-existing conditions, seniors, or anyone who wants quick approval without the hassle of medical tests.

Many no-medical policies offer instant or same-day approval. In some cases, it may take 24-48 hours. This is significantly faster than traditional life insurance which can take weeks.

Yes, as long as premiums are paid and the policy is in force, the full death benefit will be paid to your beneficiaries. Some policies may have a waiting period (usually 2 years) for non-accidental deaths.

Most Canadians between ages 18-80 qualify. While there are no medical exams, some policies may have basic health questions. Guaranteed acceptance options are available for those with serious health conditions.

Premiums may be slightly higher than traditional policies because the insurer takes on more risk without medical underwriting. However, we work with multiple providers to find you the most competitive rates.

Most policies have a grace period (typically 30 days) during which you can make a late payment without losing coverage. We recommend setting up automatic payments to avoid any lapses.

Coverage amounts typically range from $5,000 to $500,000 depending on the type of policy. Term life policies generally offer higher coverage amounts than whole life policies.

Yes! That's exactly what no-medical life insurance is designed for. Even with pre-existing conditions, diabetes, heart issues, or other health concerns, you can still get coverage.