Non Medical Life Insurance

LSM insurance has been providing no medical life insurance solutions for over 17 years. We work with a variety of carriers that provided insurance solutions for the hard-to-insure.
 

Approximately 4% of life insurance applications in Canada are declined each year, due to medical or lifestyle issues.

This represents over 30,000 applications and over $8 billion a year in face amounts.


LSM insurance can help those hard to insure in a variety of ways:

  1. If you've already been declined for life insurance, we'll be able to take a look at your current health history and your past applications to find the best fit for you from either traditional or non-medical life insurance carriers. Non-medical life insurance policies can either be guaranteed issue (no health questions and no medical tests) or simplified issue (no medical tests and only three to 12 health questions)
     
  2. If you have a serious health issue, but have never applied for insurance, we can recommend -- or determine -- whether a non-medical or a traditional life insurance plan would be best. We often recommend applying for a simplified issue plan initially and then applying for traditional life insurance, once this is in place. If the traditional life insurance plan is approved, the insured can cancel their simplified issue plan. The reason this approach makes sense is, many simplified issue plans ask if the insured has been declined in the last two years.
     
  3. If the insured's health issues are less severe, we will be able to recommend the best traditional life insurance provider, i.e. many traditional life insurance carriers have different underwriting guidelines and protocols.
     

For more details, please contact us at 1-866-899-4849 or visit our online Non-medical Life Insurance Quote Page.
 

Read more about Non Medical Life Insurance

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    The following are six factors to look into when considering life insurance as a senior.

  2. CARP's Non-Medical Life Insurance
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  3. Non-Medical Life Insurance Consumer Report
    Non-medical life insurance plans can be purchased instantly, without medical exams. No doctors or nurses will need to visit.

  4. Industrial Alliance Revamped it's Non-Medical Life Insurance Line-up
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  5. Non-Medical Life Insurance: Simplified Issue versus Guaranteed Issue
    Simplified Issue Policies and Guaranteed Issue Policies: a few subtle differences between these two distinct plans, which you should be aware of before you buy.

  6. A Closer Look: CAA Non-Medical Life Insurance
    CAA's Non-Medical Life Insurance, tagged "Guaranteed Issue Life" is offered to CAA members between the ages of 40-75.

  7. Non Medical Life Insurance Quiz
    Take a short 10-question quiz on Non Medical Life Insurance.

  8. A Closer Look: CPP Term Plans
    Since June 2006, Canadian Protection Plan has offered various term life insurance plans underwritten by Unity Life.

  9. Life Insurance and Cancer
    Can a cancer survivor get life insurance? Sure s/he can. But be careful - premiums vary wildly.

  10. Life Insurance and Obesity
    With more Canadians facing the reality of Obesity and its complications, this new reality has a direct impact on their life insurance classification.

  11. Parkinson's Disease and Life Insurance
    We have had several cases where an applicant with Parkinson's Disease has received standard rates (i.e the same rate a person without PD would receive).

  12. Three Non Medical Life Insurance Solutions From Assumption Life
    Assumption Life has made a big splash in the guaranteed issue life insurance market by offering three Guaranteed Issue life insurance solutions.

  13. Guaranteed Issue Life Insurance
    How guaranteed insurance life insurance fattens the pockets of insurance executives at little or no benefit to the buyer.

Posted by .

Chantal Marr is a member of the Independent Financial Brokers of Canada.
Much of her success stems from her ability to listen to her clients' needs.
Read Chantal's background.

life insurance testimonials
Jack Bendahan of LSM Insurance helped me with two insurance policies. He then even referred me to a good realtor and advised me on mortgage. (1 of 81)
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25 Comments

  1. Theresa Chance 03/15/2010 at 10:58 am

    Please send me information regarding insurance primarily to be used for funeral expenses. Also send any information regarding this type of insurance with several insurance companies in Canada.

  2. LSM Insurance 03/15/2010 at 12:34 pm

    Hi Theresa,

    Thanks for the note – we are happy to help out. I will send you a seprate email now. Regards … Lorne

  3. sharon 07/12/2010 at 4:20 pm

    Looking for quote for approx. $100,000 non medical life insurance. can you give me a reasonable figure. thanks

  4. LSM Insurance 07/12/2010 at 5:43 pm

    Hi Sharon,

    Thanks for the note. We will send you an email now. Regards … Lorne

  5. katrina 02/25/2011 at 10:50 am

    I am looking to find an insurance that would cover me as I have been diagnosed with Rheumatoid Arthritis. I am on Methotrexate now and will be on a Biologic in the spring of next year (or before). My rheumatologist has given me a good outlook for a normal life. I am 58 years of age and female.
    Thankyou for your time.
    Katrina

  6. LSM Insurance 02/25/2011 at 1:09 pm

    Hi Katrina,

    Thanks for the note. Assuming no other health issues and you have not been n declined in the last 2 years you should qualify for a simplified issue plan with coverage from day one. We will send you a separate email now.

  7. LSM Insurance 02/28/2011 at 1:28 pm

    Thanks Carol. We are happy to help out a broker we’ll send you an email shortly to get more specifics on the plan you are looking for.

  8. Ruby 03/14/2011 at 7:49 pm

    I am looking for an insurance that would cover my funeral expenses. I have COPD and am unable to get life insurance.

  9. LSM Insurance 03/14/2011 at 8:09 pm

    Hi Ruby,

    Thanks for the note. You would quaify for a simplified issue plan – we would have to verify a few details to see if would be an immediate death benenfit or a deferred death benenfit.

    We’ll send you a separate email now.

  10. WH 05/08/2011 at 7:32 pm

    I’m looking for a quote on life insurance. I can be contacted in the evening at … … … I’ve recently been declined Thanks

  11. LSM Insurance 05/08/2011 at 8:22 pm

    Thanks for the note. We are happy to help the rates will depend on your age, the type of plan and the face amount. We will send you an email now.

  12. gilles 08/21/2011 at 3:56 pm

    I am a smoker and am looking for a life insurance for $50.000 – Can you give me your rates please
    Thank you

  13. LSM Insurance 08/21/2011 at 8:25 pm

    Hi Gilles,

    Thanks for the note. The premiums will depend on your date of birth and type of plan – Term Insurance -premiums start of lower and increase as you get older or Permanent insurance premiums are initially higher but level for life.

  1. Chambers 05/21/2012 at 6:00 am

    I would like to get a life insurance with any of your above life insurance assured. Not sure which one I will be suitable for. Hope that you can provide me with the company that will the best one and hassle free. To be straight forward and up front; want to let you know I am very inpatient. I would like you to explain to me the best way you can help or not. I am on disability I have muscle spasm and arthritis in hands. Please if u can contact me ASAP I would appreciated it very much. If you cannot help a write back reply will do. Thank you for your time a patients.

  2. LSM Insurance 05/21/2012 at 8:42 am

    Thanks for the note. We will be in touch by email soon.

    The premiums will be based on your age, smoking status, gender, type of plan and amount of coverage.

  3. Betty Lou 06/15/2012 at 10:54 am

    I am looking for a quote on non medical life insurance and want it mainly to cover my funeral. Thank you
    Betty Lou

  4. LSM Insurance 06/15/2012 at 1:24 pm

    Hi Betty Lou,

    No medical life insurance quotes are broken down into Simplified issue plans (no medical tests and three to twelve health questions) and Guaranteed Issue plans (no medical tests and no health questions)

    We will send you a email shortly.

  5. john 11/13/2012 at 10:21 pm

    Question: can you quote for me ….. and my wife Alicia ….. a ‘final expenses’ insurance for $25.000.00 (natural death), and tell us how further the age of 70 will this insurance be valid? Ourhealth is good with no previous illnesses. Non smokers both.

    Thanks.

    john

  6. LSM Insurance 11/14/2012 at 9:45 am

    Hi John,

    Thanks for the note. We are happy to help out. If you are in good health a traditional life insurance policy with medical tests would offer a lower premium than a no medical life insurance plan. We will send you a separate email now.

  7. chandra 11/14/2012 at 4:15 pm

    200,000 for my mother who was born in ….
    what would be the premium monthly and would she qualify

  8. LSM Insurance 11/14/2012 at 4:57 pm

    Thanks for the note. The premiums will depend on the type of plan. We will send you a separate email now.

  9. Tanya 12/05/2012 at 12:34 pm

    I am trying to find burial insurance for my sister, she currently resides in a nursing facility and has no life insurance???

  10. LSM Insurance 12/05/2012 at 1:17 pm

    Thanks Tanya. We are happy to help out. The premiums will depend on your sisters Date Of Birth, Smoking Status, Type of Plan and the Amount of Coverage. We will send you a separate email now.

  11. Don 06/06/2013 at 12:04 pm

    Looking for approx.$80-100,000 coverage to cover mortgage.
    Age 64 non smoker

  12. LSM Insurance 06/06/2013 at 2:19 pm

    Hi Don,

    Thanks for the note. The premiums will depend on the amount of coverage and the type of plan. We will be in touch by email.

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LSM Insurance Services Ltd.
3173 Bathurst Street, Toronto, ON M6A 2B1
Head Office: 2900 John Street Suite 302 Markham, L3R 5G3 Toronto, Ontario
Office 416.273.7811, 905.248.4849 Fax 905.300.4848 | Contact via email
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