LSM Insurance: Non-Medical Life Insurance Specialists

LSM insurance has been providing non-medical life insurance for over 20 years. We work with a variety of carriers that provide 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.  Many insurance companies have recognized this expanding market . Humania Assurance,  Equitable Life and La Capitale have all added new no medical life insurance plans and companies like Canada Protection Plan and Assumption are enhancing and refining their plans.  Having a broker who stays on top of industry changes is crucial.


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.

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  • LSM Insurance
    October 11, 2013 at 6:18 pm

    Hi Jan, Many Simplified Issue plans do not have a height and weight question so we should be able to help! Regards,

  • Jan
    October 11, 2013 at 6:15 pm

    I was declined becaiuse of my weight I’m 4’10 and 280 pounds.

  • LSM Insurance
    July 26, 2012 at 11:19 am

    @ Sugi – you have a point. Many people are often confused that most No Medical Life policies have health questions just no medical tests. Guaranteed Issue policies have no tests or medical questions but the face amounts are lower and the premiums are higher. They also have a 2 year waiting period on non accidental deaths.

  • LSM Insurance
    July 26, 2012 at 11:17 am

    @ Albert. Depending on the severity of the Asthma you could qualify for a traditional life insurance at Standard rates.

  • LSM Insurance
    July 26, 2012 at 11:13 am

    @ Sharon. We are happy to help the best premiums will depend on the type of plan and amount of coverage. If you are in good health you would likely be better off with a traditional policy which has health questions and medical tests.

  • LSM Insurance
    July 26, 2012 at 11:11 am

    @Tom. Depending on the type plan there are no medical plans available. An example Assumption Life offers a Term 15, Term 20 and Term 25 available without a medical to insureds 18 to 65. They do ask a fully series of health questions. For insured’s with more serious health issues smaller face amount plan with less questions are available.

  • LSM Insurance
    July 26, 2012 at 10:56 am

    @ Valine. Thanks for the note. The best type of plan would really depend on the health issue. If they are serious you may want to look at a Simplified Issue plan and than apply subsequently for a traditional life insurance plan.

  • R.P.Kannapiran
    July 26, 2012 at 10:11 am

    Great to know that you are considering an application even it has been declined before.

  • brahma vani
    July 26, 2012 at 9:29 am

    is this insurance possible for a goverment employee?

  • Billy W
    July 26, 2012 at 9:12 am

    The term non-medical life insurance is a little confusing, wouldn’t it be clearer to call it examless or no-exam life insurance? Other than that this seems like a useful service for people seeking insurance.

  • Sun
    July 26, 2012 at 9:07 am

    What is the probability of getting guaranteed issue and simplified issues in the first case?

  • Sugi
    July 26, 2012 at 9:06 am

    Can you suggest a solution for my problem?
    I am having a asthma, most of the doctors told, it is uncurable and will be there, till my last day. I want to have a life insurance, which covers me, If something happens to me because of this asthma? Please suggest

  • Cecil
    July 26, 2012 at 8:43 am

    Hello sir, I am 60 years old and retired from my work which i was doing past 30 years. I had already insured for medical insurance for me and my wife and then cancelled it for an urgent financial need. So will i be able to get medical insurance for me and my wife with all the same benefits or i should take non medical insurance? We are interested in knowing the best insurance plan.

  • Albert
    July 26, 2012 at 8:37 am

    The information discussed above is very useful for me. Because i planned to get an medical insurance for my parents who are suffering from Blood Pressure.

  • Viki
    July 26, 2012 at 7:54 am

    Nice options, I didn’t know given my health issues I would be able to get life insurance. How do I apply?

  • Leslie C
    July 20, 2012 at 9:41 am

    I am 35 years old and I am completely healthy.I have 3 kids and i feel insecure of my life span and can i grow up my children. I would like to have best premium policy..would you please help me with this.

  • Sharon
    July 16, 2012 at 8:22 am

    Will I have to go for medical test before obtaining policy…for your information i am 32 years old…?

  • Tom
    July 6, 2012 at 8:05 am

    Its a great one to hear this type of plan is available. My parents have some health issues but theydo not have any life insurance – I would like to look into this for them

  • Valine K
    July 5, 2012 at 9:44 am

    You’re site is great. I planned to get Life insurance for my parents who are suffering from Blood Pressure – what impact will this have on the rates?

  • LSM Insurance
    February 17, 2011 at 6:22 pm

    Thanks for the note. You should qualify for a traditional life insurance plan. We will be in touch by email shortly. Regards, LSM

  • Phil and Mary
    February 17, 2011 at 2:25 pm

    I am 65 while my wife is 66 both non-smokers and in good health. We are both slightly overweight not obese and my wife has elevated blood pressure that is treated successfuly throught medication. How much would $10 000 policies for each of us cost with constant premiums? We are only interested in a small policy for burial expenses.