Best No Medical Life Insurance Canada 2025: Updated
- Coverage from $5,000 to $25,000
- Cancel anytime
- Accepted even with pre-existing health conditions
- Coverage from $5,000 to $25,000
- Cancel anytime
- Accepted even with pre-existing health conditions
Sun Life Go Guaranteed Life Insurance offers permanent life coverage without any medical exams or health questions, making it one of the most accessible options on the Canadian market for individuals with serious health conditions or limited insurability. Available to applicants aged 30 to 74, this policy ensures acceptance and delivers a modest death benefit ranging from $5,000 to $25,000 — amounts primarily suited for covering funeral expenses or leaving a small legacy. The application can be completed entirely online, with instant approval and fixed premiums that do not increase with age. While this policy provides peace of mind for those often excluded from traditional products, the low maximum coverage limits its usefulness for broader financial needs. It also includes a restricted payout in the first two years unless death is accidental, and cumulative premiums may exceed the benefit if held long-term, especially for older applicants.
Ideal profile: This product is a practical choice for older Canadians or individuals with severe health conditions who need basic, guaranteed protection to cover end-of-life expenses without delay or paperwork.
- Simplified, fully online application with guaranteed acceptance
- No health questions or medical exams required
- Fixed premiums and guaranteed lifetime coverage
- Option to cancel with full refund within 30 days
- Ideal for covering funeral and small legacy costs
- Maximum coverage of $25,000 may be inadequate for broader financial protection
- Premiums may exceed the benefit over time, especially for older policyholders
- Benefits are limited during the first two years unless the death is accidental
- Cost per dollar of coverage is higher due to guaranteed acceptance terms
- No medical examination
- Fixed premiums
- Tax-free death benefit
- Guaranteed renewal
- Option to convert to permanent life insurance
- No medical examination
- Fixed premiums
- Tax-free death benefit
- Guaranteed renewal
- Option to convert to permanent life insurance
Access Life from iA Financial Group is a simplified issue life insurance product offering term and permanent coverage without requiring a medical exam. Tailored for individuals who face barriers to traditional underwriting — due to health concerns, pre-existing conditions, or recent immigration status — this policy provides guaranteed coverage ranging from $10,000 to $500,000. Applicants can apply from as young as 6 months to age 80, and the approval process is often quick enough for same-day coverage. The plan features fixed premiums and guaranteed renewal, and it can be converted to permanent life insurance, offering a rare level of flexibility in the simplified issue space. However, since underwriting is limited, premiums tend to be higher than traditional policies, and the maximum coverage may not be sufficient for those with substantial financial responsibilities.
Ideal profile: This product is a great match for individuals with chronic or serious health issues, newcomers to Canada without established medical histories, or those who simply prefer a faster, less invasive application process. It's particularly useful for securing quick protection when time or access is limited.
- No medical exam required, ideal for people with health concerns or limited access to traditional underwriting
- Available in both term and permanent forms, with conversion options
- Coverage is guaranteed regardless of health status
- Fixed, predictable premiums that remain stable over time
- Potential for same-day approval, adding convenience in urgent situations
- Coverage caps out at $500,000, which may be too low for larger financial needs
- Higher premiums due to insurer taking on more risk without full medical underwriting
- Guaranteed rates with level premiums
- Guaranteed Cash Surrender Values
- Reduced Paid-Up Values
- Guaranteed rates with level premiums
- Guaranteed Cash Surrender Values
- Reduced Paid-Up Values
Empire Life's Guaranteed Life Protect is a simplified issue permanent life insurance product crafted for Canadian residents aged 40 to 75 who may face challenges in obtaining traditional life insurance due to health issues. It guarantees acceptance with no medical exams or health questions, and it features level premiums that remain constant throughout the policy's life. The policy provides lifetime coverage, with premiums ceasing at age 95 while coverage continues, and it includes guaranteed cash surrender values beginning at the fifth policy anniversary — a notable advantage for those seeking future liquidity. However, coverage amounts are limited to a maximum of $50,000, which might not meet the needs of individuals requiring more substantial financial protection. Additionally, if death occurs within the first 24 months from natural causes, benefits are restricted to the return of premiums paid, and the policy cannot be converted to other types of life insurance later on.
Ideal profile: This product is best suited for older individuals with health concerns who seek simple, guaranteed final expense protection without facing traditional underwriting hurdles.
- Guaranteed acceptance for individuals aged 40 to 75, regardless of health status
- Fixed premiums that are guaranteed not to increase
- Cash surrender values and paid-up options beginning at the fifth policy anniversary
- Lifetime coverage with premiums stopping at age 95
- No medical exams or health questionnaires required during application
- Maximum coverage of $50,000 may not adequately address larger estate or debt needs
- Death from natural causes within the first 24 months results in only a premium refund
- Policy is not convertible to other types of life insurance
- Insurance calculator on the website
- Quick quote
- Comprehensive protection from day one
- Insurance calculator on the website
- Quick quote
- Comprehensive protection from day one
Canada Protection Plan’s Simplified & No Medical Life Insurance is a flexible, no-hassle insurance solution aimed at Canadians who face barriers to traditional underwriting — whether due to health issues, lifestyle risks, or time constraints. Applicants between 18 and 70 years old can apply without undergoing medical exams or answering health questions, making it accessible and fast. The plan offers both term and permanent options, with term lengths ranging from 10 to 100 years, and coverage available up to $1 million for those who qualify. One of its standout features is that many policies start full protection from day one, offering peace of mind for those seeking immediate coverage. However, as is common with no-medical policies, premiums tend to be higher due to the greater risk to the insurer, and coverage options may be limited for applicants with more severe health issues or very advanced age.
Ideal profile: This product is well-suited for Canadians with moderate to significant health issues, those in urgent need of coverage, or individuals who simply prefer avoiding the traditional underwriting process. It's also attractive to people with busy schedules or those who value speed and simplicity.
- No medical exams or health questions, ensuring broad accessibility
- Offers immediate, full coverage for many applicants from day one
- Term and permanent options available, with durations up to 100 years
- High coverage amounts up to $1 million for eligible individuals
- Suitable for a wide range of needs, from final expenses to full family protection
- Higher premiums compared to medically underwritten alternatives
- Limited coverage availability for the most severe health cases or older applicants
- No medical examination
- Online process
- No request for reports from the SAAQ or doctors
- No medical examination
- Online process
- No request for reports from the SAAQ or doctors
Humania Assurance’s no-medical exam life insurance is designed for applicants who have faced challenges obtaining coverage through traditional underwriting—particularly those with prior health concerns or who simply want a fast and accessible solution. Available to Canadians aged 18 to 70, the policy offers up to $300,000 in coverage with flexible terms of 10, 20, or even 100 years, providing long-lasting protection without the need for lab work, physician reports, or health screenings. The streamlined online application process delivers immediate coverage upon approval and includes optional riders for critical illness and disability, enhancing the policy’s utility for diverse personal or family needs.
Ideal profile: This product is best for individuals who want easy access to basic life insurance without facing medical exams—especially self-employed individuals, people with minor pre-existing conditions, or anyone seeking fast approval without delays or paperwork from doctors.
- No medical exam or physician reports required
- Instant coverage with a fast online application
- Wide term range (10, 20, 100 years) and coverage up to $300,000
- Available with critical illness and disability riders
- Renewable up to age 80 for the 10- and 20-year terms
- Coverage capped at $300,000, potentially insufficient for higher financial needs
- Premiums are typically higher than for medically underwritten policies
- Some policy terms may be complex, especially regarding exclusions and conditions
- Only available to applicants under age 70
No medical life insurance in Canada is a simple and accessible way to get the coverage you need without the hassle of medical exams or tests. Whether you’re looking for quick approval, have health concerns, or just prefer a straightforward process, this type of insurance could be a great fit for you.
But what does no medical exam life insurance in Canada cost? How does it work? What are its pros and cons? What are the best policies? Find all this information in our complete guide.
You can use our free comparator to explore the best no medical life insurance Canada plans, compare their coverage, and get free personalized quotes in a few seconds.
Best No Medical Life Insurance Canada Plans
- iA Financial Group: Up to $500,000
- Canada Protection Plan: Up to $1,000,000
- Sun Life Guaranteed No Medical Life Insurance: Up to $100,000
- Empire Life Guaranteed Life Protect™: Up to $50,000
- Humania Insurance: Up to $300,000
- RBC Guaranteed Acceptance No Medical Life Insurance: Up to $1,000,000
- Manulife No Medical Life Insurance: Up to $100,000
What is no medical life insurance in Canada?
No medical life insurance is a type of life insurance that does not require a medical exam to purchase coverage. Instead, the insurer will assess your overall health and level of risk based on your responses to a health questionnaire, your prescription history, your age and other indicators.
If you’re young and healthy and hoping to purchase life insurance with no health exam to speed up the application process, this may be a reasonable option for you. Likewise, if you’re in poor health or prefer to keep your medical history confidential for personal reasons, purchasing life insurance with no medical exam can protect your privacy and your wallet.
Some insurers will compensate for a lack of information by limiting your coverage or, in some cases, charging higher premiums. These may still be lower than what you would pay if you underwent a medical exam, however.
What are the types of no medical life insurance in Canada?
No medical life insurance is designed for individuals who prefer to skip medical exams or have health conditions that might make it difficult to qualify for traditional policies. The three main types are:
Simplified Issue Life Insurance
- What it is: A type of no medical life insurance with a short health questionnaire. No medical exams are required.
- Who it’s best for: People with minor health concerns or those who want quicker coverage approval.
- Features:
- Higher coverage limits compared to guaranteed issue policies (up to $1 million with some providers).
- Lower premiums than guaranteed-issue life insurance.
- Coverage approval is faster than traditional policies.
Guaranteed-Issue Life Insurance
- What it is: A policy that does not require any medical exams or health-related questions.
- Who it’s best for: Individuals with significant health issues or those who have been declined for traditional life insurance.
- Features:
- Guaranteed acceptance regardless of health.
- Typically lower coverage limits (usually up to $50,000).
- Higher premiums due to minimal underwriting.
- Limited payout during the first two years (often a return of premiums plus interest).
Accelerated Underwriting Life Insurance
- What it is: A hybrid approach where insurers use technology and personal data to assess risk without requiring a medical exam.
- Who it’s best for: Healthy individuals who want quick approval without a lengthy process.
- Features:
- Coverage limits are higher than other no medical options (up to $2 million with some providers).
- Premiums are comparable to traditional life insurance.
- Faster approval compared to fully underwritten policies, sometimes within hours.
Good to know
There are both no medical term life insurance and permanent coverage options in Canada. The term coverages can be typically converted into permanent options without the need for medical evidence in most cases.
Comparison of the different types of no medical exam life insurance in Canada
| Features | Simplified Issue Life Insurance | Guaranteed Issue Life Insurance | Accelerated Underwriting Life Insurance |
|---|---|---|---|
| Questionnaire? |
Yes, though very short and non-invasive. |
Yes, comprehensive and verified against medical databases. | |
| Waiting period? | |||
| Full coverage? |
Benefits are capped at between $25,000 and $50,000. | ||
| Higher premiums? | |||
| Guaranteed coverage? |
Good to know
Some insurers will also require a waiting period before extending coverage. These waiting periods can last up to two years, during which you will need to pay premiums. If you should pass away before the policy comes into effect, however, the insurer may refund these payments.
What does no medical exam life insurance in Canada cost?
The cost of no medical life insurance in Canada can vary based on factors such as age, coverage amount, and health condition.
For example
As an estimate, a 40-year-old non-smoker may pay around $30-$75 per month for a no medical life insurance policy with coverage ranging from $100,000 to $250,000. It's important to obtain personalized quotes from insurance providers to get accurate pricing based on individual circumstances.
Here is a table to give you an idea of how much you should expect to pay for a no medical life insurance Ontario plan.
| Age | Coverage Amount | Monthly Premium (Non-Smoker) | Monthly Premium (Smoker) |
|---|---|---|---|
| 30 | $100,000 | $20 | $35 |
| 30 | $250,000 | $40 | $70 |
| 40 | $100,000 | $30 | $50 |
| 40 | $250,000 | $60 | $100 |
| 50 | $100,000 | $50 | $90 |
| 50 | $250,000 | $100 | $175 |
These figures are estimates, and it's advisable to consult insurance providers for accurate and personalized quotes based on individual factors. You can use our free comparator at the top of this page to compare the best no medical life insurance Canada plans and get multiple quotes from Canada's top companies, instantly.
What are the pros and cons of no medical exam life insurance in Canada?
Advantages of no medical life insurance
- Quick Approval Process: Coverage can be approved within days or even hours in some cases, making it ideal for those who need insurance urgently.
- Accessible to All Health Conditions: Guaranteed-issue policies offer acceptance regardless of your health status, making it a good option for those with pre-existing conditions.
- Convenient and Hassle-Free: No medical exams, lab tests, or lengthy questionnaires simplify the application process.
- Flexible Coverage Options: Offers a range of coverage types, including simplified issue, guaranteed issue, and accelerated underwriting, catering to different needs and budgets.
- Predictable Premiums: Premiums are fixed, providing financial stability over the policy term.
Disadvantages of no medical life insurance
- Higher Premiums: The lack of medical underwriting means insurers take on more risk, resulting in higher premiums compared to traditional policies.
- Lower Coverage Limits: Guaranteed-issue policies often have low maximum coverage, typically capping at $50,000.
- Limited Benefits Initially: Many policies have a waiting period (e.g., two years) where only the premiums paid plus interest are returned if the insured passes away.
- Fewer Customization Options: Riders and additional features may be limited compared to fully underwritten life insurance.
- Not Ideal for Healthy Individuals: Healthy applicants can usually secure better rates and higher coverage through traditional life insurance with medical underwriting.
Good to know
No medical exam life insurance is an excellent choice for individuals with health concerns, those needing quick approval, or those who dislike medical exams. However, for healthy individuals, traditional life insurance may offer more affordable rates and higher coverage.
Who should buy no medical exam life insurance?
No medical exam life insurance in Canada is ideal for individuals who prioritize convenience or face challenges qualifying for traditional policies. Here’s who it’s best for:
- People with Pre-existing Conditions: Those with medical issues like diabetes or heart disease can secure coverage through guaranteed issue policies, avoiding the strict requirements of traditional plans.
- Seniors Seeking Final Expense Coverage: Older Canadians who might struggle to qualify for standard life insurance can use no medical exam options to cover funeral costs or debts. It's difficult to get life insurance for seniors over 75 in Canada, and no medical exam policies can be beneficial.
- Those Needing Fast Approval: If you need immediate coverage for a mortgage or financial obligations, simplified issue policies offer quick approval—sometimes within hours.
- Busy or Privacy-Conscious Individuals: For those with packed schedules or concerns about medical tests, no medical exam life insurance eliminates the hassle of appointments and intrusive questions.
- Parents of Children with Medical Conditions: Parents can secure future coverage for children with chronic illnesses using simplified issue policies.
- Newcomers to Canada: Immigrants with limited medical histories can easily access coverage without a lengthy application process.
While no medical life insurance provides accessibility and speed, it often comes with higher premiums and lower coverage limits compared to traditional plans. But if you're healthy, a traditional term life insurance policy might be more appropriate. You can use our free tool below to compare term life insurance quotes from Canada's best providers.
Compare the best life insurance companies
What is the best no medical life insurance in Canada?
| Company | Coverage Limits | Eligibility | Premium Payment Options |
|---|---|---|---|
| iA Financial Group | Up to $500,000 | 6 months to 80 years old | 15, 20, or 25 years |
| Canada Protection Plan | Up to $1,000,000 | 18 to 70 years old | 10 or 20 years or until age 100 |
| Sun Life | Up to 100,000 | Legal Canadian residents, Ages 30-74 | Not specified |
| Empire Life | $5,000-$50,000 | 40 to 75 years old | Guaranteed up to age 95 |
| Humania Insurance | Up to $300,000 | 18 to 70 years old | 10 or 20 years or until age 100 |
| RBC Insurance | Up to $1,000,000 | Canadian citizens, Permanent residents, Ages 40-75 | Not specified |
| Manulife | Up to $100,000 | 18 to 75 years old | 10 years, renewable up to age 85 |
Please note that the information provided here is a summary. It's crucial to review the specific terms and conditions of each policy before making a decision. You could use our comparator below to explore full coverage and compare personalized quotes for the best non medical life insurance Canada policies.
Compare the best life insurance companies
How much coverage can I get under life insurance without medical exam Canada policies?
Coverage amounts for life insurance Canada no medical policies vary depending on the insurer, however, most policies don’t exceed $500,000. Some accelerated underwriting life insurance policies can reach $1 million, but these are the exceptions.
Compared to conventional term and whole life insurance policies, which can reach millions of dollars in value, this may not seem like much. If it’s your only option, however, that’s certainly better than no coverage at all.
Why less coverage? Because insurers have less information about you than they would if you completed a medical exam, it’s more difficult to accurately assess the costs of insuring you.
Remember, all insurance works by pooling risk. When insurers don’t have much information about you, they have to assume that you’re a high-risk candidate in a pool of other high-risk individuals to protect their liquidity. In practical terms, this means higher premiums and lower coverage.
How long does life insurance with no medical exam policies last?
The duration of no medical life insurance policies in Canada depends on the type of coverage you choose:
- No Medical Term Life Insurance: These policies provide coverage for a specific period, typically 10, 20, or 30 years. Once the term ends, you can often renew the policy or convert it to permanent coverage.
- Permanent No Medical Life Insurance: These policies last a lifetime as long as you keep paying the premiums. They are ideal for those seeking lifelong coverage for final expenses, estate planning, or leaving an inheritance.
- Simplified Issue or Guaranteed Issue Policies: These can be either term-based or permanent, depending on the insurer and policy chosen. Permanent options are more common for these types of no medical insurance.
Can you borrow money from a no medical life insurance Canada policy?
Yes, it is possible to borrow money from a no medical exam life insurance, but only if it is a permanent policy like whole life or universal life insurance that builds cash value over time. For instance, if you have a permanent life insurance Canada no medical policy with $50,000 in accumulated cash value, you could borrow a portion of this amount. The loan would accrue interest, and if not repaid, it would reduce the death benefit paid to your beneficiaries.
For example
For example, suppose John has a permanent no medical life insurance policy with a cash value of $50,000 and borrows $10,000 to cover an unexpected expense. If John doesn’t repay the loan before his death, the insurer will deduct the loan amount and any accrued interest from the policy’s payout.
On the other hand, term no medical life insurance does not build cash value, so borrowing is not an option. If you think you might need access to funds in the future, it’s important to choose a policy with a cash value feature and understand how borrowing may affect your coverage.
Can I be denied life insurance without medical exam in Canada?
Yes, you can be denied non medical exam life insurance in Canada, but it depends on the type of policy and your answers to the health-related questions during the application process.
- Simplified Issue Life Insurance: This type asks a few health-related questions to determine eligibility. If your health history indicates high-risk factors, such as severe pre-existing conditions, recent hospitalizations, or risky lifestyle habits, your application may be denied.
- Guaranteed Issue Life Insurance: This type has no health questions and guarantees approval, but it often comes with lower coverage amounts and higher premiums. It's ideal for individuals with serious health issues or those who have been denied other types of insurance.
For example
For example, if you apply for a simplified issue policy and disclose a terminal illness, you may be declined. However, you would likely qualify for guaranteed issue insurance. If you're concerned about eligibility, it’s a good idea to explore your options using our free tool to find the best fit for your needs.
