Both young and older people utilize No-Medical policies if they do not wish to undergo tradional underwriting.

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Sometimes reasons include preferences of no extra medical scrutiny, sometimes it is lifestyle or certain financial questions that may not be appreciated, and sometimes health matters suggest that a no-medical option is actually less expensive than a standard applied-for policy with imbedded ratings (surcharges) - should health be less than optimal.

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In most cases coverage can be immediate, yet sometimes a deferred policy is the only option. Depending on the details, deferrals can be one or two years before the full coverage amount can be claimed (Life insurance) - yet in all cases for life insurance, a return of premium would be the worst case scenario.

 

Available coverage can be for:

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Life Coverage for Term or Permanent Whole Life (Maximum of $750,000)

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Critical Illness Insurance (Maximum of $100,000 lump sum)

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Disability Insurance (Maximum of $2,500 per month for 2 years - similar to an employee disability plan)

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We are able to obtain prices from 5 different quality companies that offer one or more of these above services & products. All have stellar reputations and great customer service.

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Applications would be completed in-person, or, most commonly, via a telephone call, and email signature/confirmation. Often the application is completed within 20 minutes.

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Below are a couple of videos by Canada Protection Plan - one of our preferred providers with usually one of the best price points. However, we always make sure you always get the best price quotes!

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