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Comparing Non-Medical Life Insurance Simplified Issue Plan
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Simplified issue life insurance policies are available without a medical and have anywhere from 3 to 12 health questions. This chart below compares three of the leading simplified issue non-medical life insurance BMO insurance, assumption life, and Canada Protection Plan underwritten by Unity Life.
| BMO EasyOne | Assumption life Golden Life Protection | CPP Simplified Life | |
| Maximum Face amount | $15,000 | $50,000 | $50,000 |
| Discount to non-smokers | No | Yes | Yes |
| Medical Tests | No | No | No |
| Health Questionnaire | Yes | Yes |
Yes +Phone interview |
| Independent Broker network |
No (call centre and direct mail) |
Yes | Yes |
| Payable by credit card | Yes | No | No |
For more details, please contact us at 1-866-899-4849 or visit our Non-medical Life Insurance Quote Page.
Direct line: 905.248.4849 Email:
I NEED HELP WITH A SIMPLIFIED LIFE INSURANCE POLICY
Thanks for the note we are happy to assist. The premiums will depend on the type of Simplified Issue plan and the amount of coverage.
We would be happy to assist further you can contact us at 1.866.899.4849 or info@lsminsurance.ca
i would like some information on the simplified insurance policy. What would be my qualification to apply for this type of life insurance.
Thanks,
Wanda Wells
Hi Wanda,
Thanks for the note. Each of the plans have no medical tests but the qualifications questions and plan features are different from company to company.
We will send you a separate email now. Regards,
I’m 59 in 3/30/11, am bipolar, alcoholic, nonsmoker overweight but not obese, other than that I’m fine. What would I qualify for in simplified issue. I’m interested in enough for my cremation and leave a little something for my two children.
Hi Glenn,
Yes some simplified issues plans in Canada do not have questions related to alcohol or drug related issues, depression or build. You can contact us at 1.866.899.4849 or info@lsminsurance.ca for more details.
what would be an example of a premium of lets say a $50,000 payout?
thx
Glenn
Hi Glenn,
$50,000 of Simplified Issue coverage with Assumption Life Golden Protection Plan would be $189.59 a month. Canada Protection Plan Simplified Life would be $178.61 a month.
The questions are a little more stingent on the Canada Protection Plan application.