Comparing Non-Medical Life Insurance Simplified Issue Plan

Unity Life of Canada joined the Foresters family in April 2008 and as of Jan 23 2012 changed their name to Foresters Life Insurance Company.

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 Canada Protection Plan 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


+Phone interview

Independent Broker network


(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.

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  • LSM Insurance
    January 30, 2011 at 12:00 pm

    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.

  • Glenn
    January 29, 2011 at 10:33 pm

    what would be an example of a premium of lets say a $50,000 payout?


  • LSM Insurance
    January 29, 2011 at 11:39 am

    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 [email protected] for more details.

  • Glenn
    January 28, 2011 at 7:38 pm

    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.

  • LSM Insurance
    September 20, 2010 at 8:30 pm

    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,

  • Wanda Wells
    September 20, 2010 at 6:46 pm

    i would like some information on the simplified insurance policy. What would be my qualification to apply for this type of life insurance.

    Wanda Wells

  • LSM Insurance
    July 21, 2010 at 10:05 am

    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 [email protected]

    July 20, 2010 at 8:25 pm