Non-Medical Insurance

Non-medical insurance is a type of life insurance that doesn’t require a medical exam to qualify. Instead of lab tests or doctor visits, approval is based on a short health questionnaire and basic personal information. It’s ideal for people who want quick coverage, have pre-existing health conditions, or prefer a simpler application process.

Have Any Questions?

What is Non-Medical Insurance??

Non-medical life insurance is a type of life insurance but does not need the applicant to undergo any medical examination. or Medical Report from your Doctor when applying for coverage. All you have to do is answer a few questions to qualify.

The process is easier and faster as compared to standard life insurance in Canada. Gives faster response without any hurdles. Beneficial for those who have medical problems, indulge in adventurous sports, or make risky lifestyle choices not included under traditional life insurance.

Plans are suitable for the following types of individuals

Anyone hard to Insure
Those that have been declined recently or in the past for Insurance requiring medical testing
Those who would like to purchase a small amount of coverage for Final expenses & do not want to have any medical tests done.
Those with poor medical history and would likely not qualify for traditional Life Insurance
Non-smokers and smokers
Anyone who does not want to go through medical testing & is uncomfortable with needles
Anyone wanting fast and immediate coverage

How Non-Medical Life Insurance is Different?

Enjoy simplified protection with no medical tests, fast approval, and complete peace of mind — ideal for anyone seeking easy, flexible life coverage.

Provide wider coverage
No health check-ups
Age band is 18 to 80 years
Start payment from 2nd month
Financial security
Mental peace
No family history checks
Less paperwork
No chance of application rejection
Coverage up to $25,000 or $750,000 depending upon selected plan
No restriction on dangerous sports, risky lifestyle choices or traveling
Covers even if you have a dangerous job
Best option if you have fear of needles

Those with the following Health Conditions May still qualify for Non-Medical Life Insurance:

Cancer, Heart attack, Stroke, High Blood Pressure, High Cholesterol, Angina, Serious Blood Disorders, Bypass Surgery, Kidney Disease, Diabetes requiring daily insulin, Chronic Respiratory Conditions, Alzheimer’s, Dementia, Multiple Sclerosis, Suicide Attempts, Alcoholism or Drug Addiction, Hepatitis B or C, Liver Disease, Depression & many more.

Non-Medical Life Insurance Types

No Medical & Simplified Issue Term Life Insurance provides life insurance protection for periods of 10, 20, 25, or 30 years. This type of coverage is ideal for situations when you know how long you require the coverage, such as for your mortgage or a child’s education. Canada Protection Plan has more Term Insurance options than any other No Medical & Simplified Issue provider in Canada. Our variety of plans makes it easier for everyone, including the hard-to-insure, to get the greatest coverage at the lowest price in the least time possible

Whole Life Insurance:

provides lifetime protection. This type of coverage is ideal for permanent needs such as final expenses. Canada Protection Plan has more Permanent Insurance options than any other No Medical provider in Canada. Our variety of plans has been designed to make it easier for everyone, including the hard-to-insure, to get the greatest coverage at the lowest price in the least time possible.