Non-medical:

News from 2010

Can You Get Life Insurance after Having a Stroke?

A stroke has a definite impact on the insurer's ability to obtain life insurance. Traditional life insurance policies may or may not be available depending on the severity of the stroke. Insurers will need specific information about the applicant' medical history including the type of stroke, the insured's age at the time of stroke and any permanent damage resulting from the stroke, such as impaired speech and any medications taken to treat it. Any history of pre-existing conditions ...
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Life Insurance for Bodybuilders

Bodybuilders need to keep certain issues in mind when applying for life insurance. Photo courtesy of The Flickr Commons Collection. Most insurance companies use body mass indicators similar to this one when underwriting life insurance applications. This can create a stumbling block for bodybuilders whose build and health levels can be very different from inactive individuals with a similar BMI. Bodybuilders also have to be careful when answering the questions under a traditional ...
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Qualifying for Life Insurance with HIV or AIDS

People with AIDS or HIV can still get insurance Most traditional life insurance companies will not offer life insurance to people with HIV or AIDS. What they don't tell you is, there is hope. Applicants with HIV or AIDS have three options for qualification: 1) Guaranteed Issue Life Insurance asks no health questions and has no medical tests. The premiums on these policies generally quote high and the face amounts are limited. 2) Simplified Issue Coverage also has no medical tests and ...
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Non-Medical Term Life Insurance Options In Canada

Canadian consumers looking for Non-medical Term life insurance in Canada should consider the following: As a rule of thumb, it's best to remember that the younger the insured, the more likely Term Life insurance is going to be available without medical tests. For older people looking for insurance, the face amounts available without medical tests are generally much lower. The following is a list of three companies which offer Non-medical Term Life insurance policies to Canadian men ...
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La Capitale’s Non-Medical Whole Life Insurance Policy

La Capitale offers a Non-medical, Simplified Issue life insurance policy to applicants between the ages of 40 and 80. The policy face amounts can be between $2,500 and $25,000. The death benefit on the policy is limited in the first two policy years, in the event of a non-accidental death, to a return of premium plus 10% interest. The insured can qualify for automatic approval if he or she can answer "no" to the following four questions: (more…)
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Manulife Financial’s Guaranteed Issue Life Insurance Plan

Manulife Financial's Guaranteed Issue life insurance plan has a plan that is called Cover Me. The plan is available with no medical tests and there are no health questions. Individuals who are Canadian residents between the ages of 40 and 75 are guaranteed to qualify for the coverage. The following are additional plan features of Manulife's guaranteed issue plan: (more…)
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Tamara Humphries: Non-Medical Insurance Specialist

Tamara Humphries would be happy to help you with your non- medical insurance needs. Tamara Humphries was born in Sudbury, Ontario and has lived in many varied Ontario cities such as Kingston, Peterborough, London, Timmins, North Bay, Whitby and North York. Tamara was lucky enough to spend considerable time in nearly all of the cottage areas in this vast province, which gave her a deep appreciation for this country and all things Canadian. But it's not just her deep-seated passion for ...
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Manulife’s Cover Me Guaranteed Issue Life Insurance Pricing

Manulife's Cover Me policy is available with no medical tests or health questions. The applicant's acceptance is guaranteed. The policy is available in four face amount increments; $5,000, $10,000, $15,000 and $20,000. The death benefit is limited, for non-accidental death during the first to policy years, to a return-of-premium plus interest. (more…)
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Canada Protection Plan’s Simplified Term Plus

Canada Protection Plan's Simplified Term Plus policy is available as a 10-year Term or 20-year Term and Term 100 Plan. On the Term 10 and Term 20 plans face amounts can start as low as $50,000 and go as high as $150,000 On the term 100 plan, face amounts can start as low as $25,000.00 going up to $150,000 The plan is available to insured age 20 to age 70. The policy has no medical tests, but there are a variety of health questions. It is geared towards clients who have no, or ...
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BMO Guaranteed Life Plus vs. The Easy One Life Insurance Application

BMO Insurance offers two non-medical life insurance policies. Both plans are sold via their call center and not through their broker network.The first plan is BMO's Guaranteed Life Plus, which is a Guaranteed Issue Plan. Individuals age 40 to 75 will qualify immediately, whether or not they have a serious health issue. BMO's Easy One life plan is a Simplified Issue Policy and is available to individuals aged 50 to 75. There are no medical tests, but the individual must confirm they do ...
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