No medical exam life insurance lets you get coverage without blood tests, a nurse visit or a doctor’s report. You answer a short health questionnaire, or none at all, and the insurer gives you a decision in days instead of weeks.
It is the right fit if you have a health condition that makes traditional underwriting difficult, if you need coverage quickly, or if you simply don’t want the hassle. It costs a little more per dollar of coverage than a fully underwritten policy, which is why comparing insurers matters.
With ClicAssure.com, one short form gets you quotes from 20+ Canadian insurers. A licensed advisor in your province tells you which type you qualify for, free and with no obligation.
Fill out our online form today to get free no medical exam life insurance quotes in minutes.
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Yes. Many Canadian insurers offer simplified issue policies with health questions only, and guaranteed issue policies with no questions at all. The amounts are smaller than fully underwritten policies, but a decision usually comes within days.
Per dollar of coverage, yes: the insurer knows less about you and prices for that. If you are in good health, a policy with an exam will usually cost less. If you have a health condition or need speed, the no-exam option is often the better deal, and comparing insurers narrows the gap.
Simplified issue asks a short health questionnaire and can decline you; it offers larger amounts at better prices. Guaranteed issue asks nothing and accepts everyone in the age range; it offers smaller amounts, costs more, and usually has a two-year waiting period for non-accidental death.
| Simplified issue | Guaranteed issue | |
|---|---|---|
| Health questions | A short questionnaire, no exam | None: acceptance is guaranteed within the age range |
| Coverage amounts | Up to several hundred thousand dollars with some insurers | Smaller amounts, typically up to $25,000 to $50,000 |
| Price | Somewhat higher than with an exam | Highest per dollar of coverage |
| Waiting period | Usually none | Often two years for non-accidental death (premiums refunded if death occurs before) |
| Best for | Most people who want to skip the exam | Serious health conditions or past declines |
It depends on your age and the insurer. Simplified issue policies can go to several hundred thousand dollars for younger applicants; guaranteed issue policies typically top out between $25,000 and $50,000.
Often within a few days of applying, and sometimes the same day, since there is no exam to schedule and no lab results to wait for.
Fill out one short form on ClicAssure.com. You receive quotes from Canadian insurers, and a licensed advisor in your province calls you back to confirm which no-exam option you qualify for. Free, no obligation.
