NO MEDICAL LIFE INSURANCE QUOTE AND EXPERT TIPS

Why Choose LSM Insurance for no medical life insurance?

  • Serving Canadians across the country for over 25 years
  • Extensive experience with various health pre-conditions
  • One of the largest Canadian life insurance brokerages
  • We work with more life insurance companies than the majority of brokers (20+ insurers)

 

LSM Insurance is accredited by:

 

 

 

Get a no medical life insurance quote today or ask questions

Whole Life Insurance Quote for Canadians

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* Please Confirm Your Contact Details Are Correct

Sample no medical life insurance quotes

Male, 35 years old, non-smoker, Term 20 Life Insurance, $200,000 coverage, serious diabetes pre-condition

Best quote:
$62 per month

Male, 50 years old, non-smoker, Term 20 Life Insurance, $200,000 coverage, average heart attack pre-condition (i.e. no recent heart attack)

Best quote:
$179 per month

Female, 35 years old, non-smoker, Term 20 Life Insurance, $200,000 coverage, serious heart attack pre-condition

Best quote:
$49 per month

What is no medical life insurance?

No medical life insurance is a type of life insurance that does not require medical tests. Some no medical life insurance types go even further and do not even require a medical questionnaire.

This is an ideal type of insurance for those who would not be approved for traditional (also called standard) life insurance that comes with medical tests and a questionnaire to complete.

The drawbacks of no medical insurance are lower insurance coverage and more expensive premiums when compared with the premiums for the same coverage of a traditional life insurance policy.

Interested in no medical life insurance or have questions? Please complete the form above.

When do you need no medical life insurance?

There several cases when you might consider no medical life insurance:

  1. You have a serious a health (e.g. diabetes) or fitness (e.g. overweight) pre-condition that does not allow you to qualify for a standard life insurance policy.
  2. Your age is an obstacle in getting a traditional life insurance policy because some policies only cover their policy holders up to a particular age.
  3. A medical exam is not something you want to go through due to personal reasons.
  4. You want a “quick” insurance solution that offers a small amount of coverage without any delays.

Interested in no medical life insurance or have questions? Please complete the form above.

What types of no medical life insurance exist and how do they compare?

No medical life insurance comes in a few forms:

A simplified issue no medical life insurance policy does not require a medical exam, but still requires answering a medical questionnaire.

A guaranteed issue no medical life insurance policy does not require a medical exam or a medical questionnaire.

These policies offer various levels of coverage and have a waiting period before you can make a claim.

  Standard (Traditional) Life Insurance Simplified Issue Life Insurance (No Medical) Guaranteed Issue Life Insurance (No Medical)
Rates Low Medium High
Coverage amount (Maximum) Up to $5,000,000 Up to $300,000 Up to $25,000
Medical Exam Yes Yes No
Medical Questionnaire Yes Yes No
Waiting period (no claim is paid during this period) None Either none or 1-2 years (depending on a policy) 2 years

Interested in no medical life insurance or have questions? Please complete the form above.

What are the most frequent no medical life insurance myths?

  1. If I have a health pre-condition, no medical life insurance is my only option.
    This is incorrect. Often, you can still apply for standard life insurance or rated traditional life insurance (same coverage but higher rates). For example, many people with diabetes still qualify for this type of insurance.
  1. No medical life insurance always comes without any medical exams or questions.
    This is incorrect. Only guaranteed issue no medical life insurance comes without a medical exam and questionnaire. A cheaper version of no medical life insurance (that also offers more extensive coverage) still requires answering a medical questionnaire, though it does not require a medical exam.
  1. Once you’ve purchased a no medical life insurance policy, you are automatically covered.
    Not always; it depends on the policy. Some simplified issue insurance policies will cover you immediately, others may have a deferred coverage for 1-2 years. A guaranteed issue insurance policy typically comes with a two-year waiting period.

    Should you have any other questions about no medical life insurance, our specialists are happy to help.

Interested in no medical life insurance or have questions? Please complete the form above.

Testimonials

Maher and Salwa Rizkalla:

“… We have been clients of LSM Insurance for over nine years, and we have always found the LSM team very responsive to all our insurance and financial needs…”

Wilhelmus William:

“… We found our meeting with Aman Kapur from LSM Insurance to be very informative. Aman helped us in clarifying all our doubts and in answering all our questions about life insurance.…”

Tim Landry:

“… They are true quality professionals who care about their clients and truly work for THEM. I can honestly say that – if you are looking for any product they sell, you should deal with LSM…”

Kumar Sinniah:

“… We got talking to Aman while looking for life insurance. We wanted a detailed insight to the several options available to us. We found Aman very knowledgeable in the subject of insurance. As a broker he could explain the various products and plans to us.…”

29 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.

  14. 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.

  15. 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.

  16. 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

  17. 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.

  18. 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

  19. 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.

  20. 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

  21. 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.

  22. 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???

  23. 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.

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

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

  25. 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.

  26. Roger 09/02/2013 at 11:55 pm

    We live in the united state in Las Cruces, New Mexico and i in good health can you give me a affordable term life insurance with nonmedical dont want the hassel of a medical examine. for about 250,000 and 20 or 30 years fix no surprises

  27. LSM Insurance 09/03/2013 at 9:11 am

    Thanks Roger. We are only licensed in Canada. Sorry we could not be more help.

  28. Jesse L 12/29/2013 at 4:39 pm

    Can you give me a quote for non-medical insurance.

    I am 72 will be 73 in January,
    I want to know that if anything should happen to me that all my bill are taken care of, and my family do not have to worry

  29. LSM Insurance 12/29/2013 at 4:40 pm

    Hi Jesse – we are happy to help and will be in touch by email now.

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