No medical exam life insurance
No‑medical‑exam life insurance lets you obtain coverage without going through a traditional medical appointment. Depending on the product, a simplified health questionnaire or just a few questions may be enough to get insured.
Types of no‑medical‑exam products
- No‑exam term life: covers a defined period (e.g. 10 or 20 years) with simplified eligibility criteria.
- No‑exam permanent life: lifetime coverage with a simplified underwriting process.
- Simplified‑issue or guaranteed‑issue products, depending on your health profile and medical history.
When to consider no‑medical‑exam coverage?
- You want to save time and avoid a medical appointment.
- You have health history that makes traditional underwriting more complex.
- You have been declined by an insurer and are looking for an alternative.
- You need coverage quickly (e.g. for a loan, simple estate need, or final expenses).
Key points: premiums and coverage limits
Because there is no medical exam, premiums can be higher and coverage amounts may be more limited than with fully underwritten policies.
It is important to compare options carefully to find the solution that best fits your situation. Our advisors are here to guide you.
Client examples
Client living with diabetes
Profile: Jean, 58, has been living with diabetes for many years.
Situation: When he applied for traditional life insurance, several medical tests were required and premiums were high.
Solution: He chose a no‑exam life insurance policy with immediate coverage.
Résultat :
- ✔Coverage of $25,000
- ✔Fast approval
- ✔Coverage active immediately to protect his family and help cover final expenses
Client with a history of heart attack
Profile: Marie, 62, had a heart attack 8 years ago.
Situation: She was afraid of being declined by insurers.
Solution: A no‑exam life insurance product allowed her to obtain coverage.
Résultat :
- ✔Coverage of $50,000
- ✔No medical tests required
- ✔Coverage in force as soon as the policy is issued