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What Exactly is
No Medical Life Insurance?

Sometimes referred to as ‘non medical life insurance’, no medical life insurance is like a regular life insurance policy, but with one key difference – you are not required to take a full medical exam to receive your coverage.

Typically, when you apply for traditional life insurance through a broker or your employer, you’ll experience the entire underwriting experience.

The exam helps insurance providers determine how much of a risk it will be to insure you. Because of this, life insurance policies without a medical exam can be processed and approved within a few days.

When should I get no medical life insurance?

In most cases, people who require life insurance opt for a traditional policy or take advantage of their employer’s group life insurance plan. However, there are some instances where a no medical life insurance policy may be your best bet.

  • You might be inclined to go the non medical route if you:
  • Are uncomfortable with medical exams
  • Suffer with the “white coat syndrome” or fear of having yourself checked by medical professionals
  • Have a prior impaired driving conviction
  • Have a pre-existing or chronic medical condition
  • Have been rejected for a regular life insurance policy
  • Are unable to wait to purchase a regular underwritten life insurance policy
  • Have a job or hobby where you frequently encounter dangerous or risky conditions
  • Have ongoing health issues and your employer does not provide a group life insurance plan
  • Want to ensure your family has enough money to cover the cost of a funeral service or any final expenses you might have

Does my age factor into the coverage I receive?

In some cases, it may. Some insurers will not approve you for non medical insurance coverage if you exceed the maximum age of enrollment, which is usually 75. Some providers will only pay out your accidental death benefit if the accident occurs before you turn 85. These are some basic examples; the rules and regulations for the coverage vary from one insurer to the next.

How much coverage can I buy?

With Guaranteed Issue Life insurance, the coverage limit is typically around $25,000 and maximum $150,000 limit for the Simplified Issue Life insurance. It’s important to compare these figures to traditional life insurance payouts. Those can pay upwards of a million dollars if desired.

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Get Yourself Protected Even If You Have Pre-Existing Medical Conditions With No-Medical Life Insurance

Unlike other life insurance policies that require medical examinations to determine your premium, No Medical Life insurance is a quick way to protect yourself and your family financially. No Medical Life Insurance also gives you a comprehensive coverage to make up for the lost income shall you pass away.
No Medical Life Insurance can cover:
Debts
Funeral costs
Monthly salary
Mortgage payments
Daily expenses
And much more...

No Medical Life Insurance -
Are You Qualified

There are certain situations where no medical life insurance may be your only option. This could be due to your physical state, pre-existing medical conditions, and even criminal convictions.

Learn here how to get the right No Medical Life insurance policy based on your respective situations.

These examples are designed to serve as a guideline only, but they may provide you with additional insight about your options if an insurer rejects your application.

Individual Info

Marital Status: Single
Age: 30 Years Old
Reason Why: Significantly overweight and has high blood pressure

Solutions

When you apply for life insurance, your approval is subject to the results of an in-depth health exam administered by the insurance provider. The individual in this example may be denied traditional life insurance coverage due to their pre-existing health condition, physical state and weight in accordance with the Body Mass Index (BMI).

If this person fails to pass the health exam, they will still be eligible for coverage if they apply for a non-medical life insurance policy. If this person passes away, their beneficiaries will be able to collect a death benefit from the insurer.

Individual Info

Marital Status: Married
Age: 35 years old
Children: 1
Reason Why: Afraid of medical examination

Solutions

At first glance, this situation might seem a bit unusual. But there are some people who feel uncomfortable going to the doctor’s office, even for a routine annual checkup. Given the health exam requirement mentioned earlier, this individual may have trouble getting standard life coverage if she is afraid of visiting the doctor.

But all is not lost for this person. She can still apply for no medical life insurance policy. Not only will she get guaranteed approval, she will be able to leave her family with money to cover final expenses if she passes away.

Individual Info

Marital Status: Married
Age: 40 years old
Children: 2
Reason Why: Has Type 2 diabetes

Solutions

In addition to assessing your physical state and fitness, insurers also examine how risky it would be to insure you. The risk factor increases significantly if you have a pre-existing health condition like this person does. The insurer has two options in a situation like this. They can either deny the application outright or approve the applicant for a rated policy with a higher premium.

Given that the health exam is not required for no medical life insurance, this person would be instantly approved for coverage despite their Type 2 diabetes. Should this individual succumb to their illness, the insurance provider would pay out a death benefit to their beneficiaries.

Individual Info

Marital Status: Single
Age: 45 years old
Reason Why: Has previous DUI convictions

Solutions

A person’s health and physical characteristics aren’t the only reasons why an insurer would deny them life insurance coverage. If you have had one or more criminal convictions like this person has, that could also result in the denial of your application. This is because this person poses a high risk, and insurers tend to avoid high-risk situations.

It would be an entirely different situation if this person were to apply for a non-medical life insurance policy, however. While their DUI convictions are indeed serious, they would not have to mention them if they are not required to complete a health questionnaire or exam. As a result, this person would face an easier path to obtaining coverage, and would be able to leave his family with some money if he suddenly passes away.

Individual Info

Marital Status: Married
Employment Status: Retired
Age: 70 years old
Children: 3 adult
Reason Why: Prefers hassle-free application experience

Solutions

In this situation, our senior citizen is focusing on the future. She wants to ensure that her family has enough money available to cover a funeral service and deal with any outstanding debts or expenses she might have when she passes away.

Because she wants to have these funds available quickly without any hassles, non-medical life insurance may be her best option. The downside about this situation is that her policy will most likely be more expensive as a result.

Individual Info

Marital Status: Married
Age: 50 years old
Children: 1
Reason Why: Three years cancer-free

Solutions

This person faced an uphill battle over the last three years, but after several rounds of chemotherapy and a battery of treatments, he is now cancer-free. However, the fact that he had cancer in the first place makes him a risk to insurance providers.

While standard life insurance may be out of reach, no medical life insurance is not. The lack of a questionnaire and medical exam eases the application process and provides our cancer survivor with the coverage he needs. Once he obtains his policy, he will be able to secure a better financial future for his family, should he unexpectedly pass away.

What Are The Different Types of No Medical Life Insurance?

Think you’re a good candidate for this kind of insurance? There are two types of non medical life insurance policies you can consider.

Guaranteed Issue Life Insurance

This type of policy does not require you to complete a medical exam or questionnaire. While this makes it easier to apply and get approved, your premium will be higher, and you will receive a lower amount of coverage.

This can potentially leave your beneficiaries in a precarious situation if you unexpectedly pass away with the first two years of your coverage. The death benefit they receive will only be the equivalent of the premium payments you made up until that point. A higher-quality guaranteed issue policy will raise your death benefit if you pass away in an accident and remain in effect as long as you are able to make your premium payments.
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Simplified Issue Life Insurance

Just like guaranteed issue policies, simplified issue life insurance also does not require a medical exam. However, you may be required to complete and submit a questionnaire detailing your health and medical history. This type of coverage is available in term or whole life variants.
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No Medical Life Insurance
Frequently Asked Questions (FAQ)

Why do life insurance rates differ?

Insurance rates differ because different people require different amounts of coverage. Work with a private life insurance company to create the best, most affordable plan for you.

How do I get a no medical life insurance quote?

Insurdinary has partnered to top Canadian life insurance companies to provide you with the best quotes in a shortest possible time. Simply fill out the request form to get custom quotes sent straight to your inbox in minutes.

How can I save more money?

Just like buying any insurance plan, comparing and shopping around is really helpful. Get a few different insurance quotes you sign any contracts. Yes, this may be tedious, but you could end up saving thousands of dollars.

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