Skip the needles.
Get covered fast.
Secure up to $500,000 in coverage without a medical exam. Ideal for seniors, hard-to-insure individuals, or anyone who hates waiting.
Partners offering No-Medical Plans
Protection made simple.
Traditional insurance can take weeks. We get you covered in minutes.
Answer a few questions
Skip the 20-page medical history. Just answer a few 'Yes/No' health questions on our secure digital form.
No Medical Exams
Absolutely no needles, no urine samples, and no doctors' reports required. Your privacy is respected.
Guaranteed Acceptance
Have serious health issues? We have 'Guaranteed Issue' plans that cannot turn you down, regardless of your health.
Conditions we cover.
Been declined in the past? No Medical insurance is designed for people with pre-existing conditions. We can often find coverage for:
Which plan fits you?
There are two main types of No Medical insurance.
Simplified Issue
For those who are generally healthy but want to skip the doctor.
- No medical exam
- 3-12 health questions
- Coverage up to $500,000
- Immediate coverage (Day 1)
Guaranteed Issue
For those with serious health conditions or previous declines.
- No medical exam
- 0 health questions
- Coverage up to $50,000
- 2-year waiting period*
*For Guaranteed Issue, if death occurs in first 2 years (non-accidental), premiums are refunded.
Estimated Monthly Rates
Sample premiums for $25,000 coverage (Non-Smoker).
| Age | Simplified Issue | Guaranteed Issue |
|---|---|---|
| 50 | $45 / mo | $75 / mo |
| 60 | $70 / mo | $110 / mo |
| 70 | $120 / mo | $190 / mo |
Rates are estimates only and subject to change.
Who is this for?
Health Issues
Diabetes, Heart Disease, Cancer survivors.
Seniors
Age 60-85 looking for final expense cover.
Previously Declined
Turned down by other insurers.
Busy People
Need coverage in days, not months.
Myths vs. Facts
"No medical insurance is a scam or offers fake coverage."
|FactIt is legitimate insurance from Canada's largest carriers (like Manulife & CPP). It pays out exactly like standard insurance.
"The waiting period is forever."
|FactSimplified Issue plans often start Day 1. Only Guaranteed Issue (for severe health issues) has a 2-year wait.
Common Questions
Don't worry about being declined.
Our advisors specialize in high-risk cases. We know exactly which carriers are lenient with diabetes, heart conditions, and other issues.
Elena Rodriguez
High-Risk Specialist
"I help clients find coverage every day, even when they've been told 'no' by the big banks."
Get covered. No stress.
See your options from Canada's top No-Medical providers in under 2 minutes.