No medical exams. No blood tests. No needles. Just protection.
Getting life insurance doesn't have to involve uncomfortable medical exams, blood tests, or long waiting periods. Non-Medical Insurance — also known as Simplified Issue Life Insurance — allows you to get coverage by simply answering a few health questions. No doctor visits, no needles, no hassle.
At Ourinsurenase, we specialize in helping Canadians get life insurance coverage quickly and easily — even if they have health concerns or simply prefer to skip the medical exam. Our licensed advisors will help you find the best non-medical plan for your needs.
Non-Medical Insurance is a type of life insurance that does not require a medical exam, blood work, or urine samples. Instead, you answer a series of health questions (usually 10–20 questions) on the application. Based on your answers, the insurer determines your eligibility and premium.
This makes it an excellent option for people who:
No doctor visits, no blood tests, no urine samples, no needles. Just answer a few health questions.
Get approved in as little as 24 hours. Some plans offer instant approval with no waiting period.
Coverage amounts from $5,000 to $500,000 depending on the plan and your age.
Most plans guarantee renewal regardless of changes in your health. Your coverage can't be cancelled.
Just 10–20 health questions. No medical records needed. Apply online or over the phone.
Available for ages 18–80. Even if you've been declined before, we can likely find coverage for you.
| Feature | Non-Medical Insurance | Traditional Life Insurance |
|---|---|---|
| Medical Exam Required | No | Yes |
| Blood Tests & Needles | No | Yes |
| Health Questions | 10–20 questions | Full medical history |
| Approval Time | 24–48 hours | 2–6 weeks |
| Coverage Amount | Up to $500,000 | Up to $5,000,000+ |
| Pre-existing Conditions | May be accepted | May be declined |
| Premium Cost | Slightly higher | Lower (if healthy) |
| Application Process | Simple & fast | Complex & lengthy |
| Best For | Quick coverage, health concerns | Maximum coverage, best rates |
Get covered in days, not weeks. No appointments, no waiting rooms.
No blood tests or medical exams. Perfect for those who dislike medical procedures.
Some plans offer guaranteed acceptance regardless of your health history.
Once approved, your policy can't be cancelled as long as you pay premiums.
Many plans can be converted to permanent coverage without additional health questions.
Available for spouses and children. Family plans offer additional savings.
Choose the plan that fits your needs
Simplified Issue requires you to answer 10–20 health questions and offers higher coverage (up to $150,000–$500,000). Guaranteed Issue has no health questions at all but offers lower coverage (up to $25,000–$50,000). Both require no medical exam.
Yes! Non-medical insurance is specifically designed for people who have been declined for traditional life insurance. Even if you have health conditions, we can likely find a plan that accepts you. Contact us and we'll review your options.
Non-medical insurance typically costs more than traditional life insurance because the insurer is accepting more risk without a medical exam. However, the convenience and accessibility often outweigh the cost difference. Premiums can start from $20–$30 per month depending on age, coverage amount, and plan type.
For Simplified Issue plans, coverage starts immediately upon approval. For Guaranteed Issue plans, there may be a 2-year waiting period (deferred coverage) — if the insured passes away during this period from natural causes, the premiums are refunded with interest. Accidental death is covered from day one.
Most non-medical insurance plans are available for ages 18–80. Simplified Issue plans typically cover ages 18–70, while Guaranteed Issue plans often cover ages 40–80. Contact us for plan-specific age requirements.
Yes, many Simplified Issue term policies can be converted to permanent life insurance (Whole Life or Universal Life) without additional health questions. This is a valuable feature — ask our advisors about conversion options.
No. Once your policy is approved and in force, it cannot be cancelled by the insurer due to changes in your health — as long as you continue paying your premiums. Your coverage and premium rate are guaranteed.
Absolutely. Non-medical insurance is very popular for older parents who may not qualify for traditional life insurance. We can help you find a plan for parents up to age 80. Contact us to discuss options for your parents.
No exams. No needles. No waiting. Get your free non-medical insurance quote today.
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