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No Medical Insurance

No Medical Life Insurance

Canada’s Leading Insurance Marketplace

Affordable life insurance without a medical test, Better coverage. Lower premiums.

No medical exam life insurance has one big advantage over traditional life insurance products — time. You don’t need to complete a medical exam, and because of that, you get approved quickly.


you can get the life insurance coverage you need in as little as just under a day. Offering you a large selection of No Medical Life Insurance plans to choose from, with high coverage amounts at very competitive rates. Our many options can provide the coverage you want, whether you have very serious medical conditions, or are in good health.


As Canada’s leading provider of No Medical and Simplified Issue Life Insurance plans, our aim is to provide accessible, full-spectrum coverage to everyone regardless of health condition, whether you are in good health or hard-to-insure. Whatever your health history, age, or income, we’ll work alongside you to help you choose the best coverage to meet your needs:

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Benefits of No Medical Life Insurance

Having health concerns or pre-existing conditions is not the end all be all. You can still buy life insurance. There are many life insurance products designed specifically for Canadians with medical conditions.

Speedy Approval

Life insurance policies take up to six weeks for approval. When you need coverage quickly, this is an ideal choice for you.

Coverage Even With Health Issues

If you have an underlying health condition and are denied traditional coverage, all is not lost. go with no medical life insurance.

Have a Dangerous Job

If you have a dangerous job or hobby, You may be pleasantly surprised to find how affordable no-medical insurance quotes can be in your case.

Funeral Insurance

If you are a healthy individual over age 50 and want to buy life insurance to cover funeral expenses, this may be a better option.

Benefits of No Medical Life Insurance
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Any questions? Call 647-274-9670
Types of No Medical Life Insurance
No Medical Life Insurance

The different types of No Medical Life Insurance

If you’re still considering no medical life insurance, there are two main types of life insurance for you to choose from: simplified issue life insurance and guaranteed issue life insurance.

Both types allow you to skip a physical medical exam, but one requires some health-related background information from you before you qualify

Simplified Issue Life Insurance

Requires you to complete a protentional questionnaire like below for your personal medical history.

  • Do you have any severe medical conditions?
  • Have you ever been hospitalized?
  • Have you ever been denied life insurance coverage before?

Guaranteed Issue Life Insurance

  • Doesn’t require a physical exam.
  • Doesn’t require you to fill out a health questionnaire or provide any personal health information.


No medical life insurance is a good option for those who don’t qualify for life insurance through a traditional life insurance provider.


A no medical insurance policy may be right for you if you:

  • Have a pre-existing medical condition
  • Have debilitating anxiety related to doctors or medical appointments (latrophobia)
  • Are buying life insurance later in life and experiencing normal health declines
  • Are employed in a dangerous profession, like the military, logging or mining
  • Have high-risk hobbies, such as skydiving or base jumping
  • Have struggled, or are struggling with, addition problems

The Bottom Line

If you’re not in one of these situations, no medical life insurance probably isn’t your best option for coverage.


We Care About Your Life’s Important Things. Expert Advice with Superior, Honest Solutions – Reliable, Essential and Yearlong Service. At PolicyDirect, we’ve made the process of buying insurance as easy and painless as possible.


No Medical Vs Term Life Insurance?

Take a look at this comparison between simplified issue, guaranteed issue and term life insurance. Which coverage looks like the best fit for your family?

Coverage Maximum​
Medical Exam
Medical Questionnaire​
Waiting Period (approx)​
Recommended For​
Simplified Issue
Life Insurance





Up to 2 years

(except for accidental death)

  • Someone willing to pay more in monthly premiums to forgo a medical exam.
  • Someone who’s been recently declined.
  • Someone with a high-risk lifestyle that was declined for a term insurance policy.
Guaranteed Issue
Life Insurance

Very High




2 years

(except for accidental death)

  • Someone with an active terminal illness.
  • Someone with a serve and/or complicated medical history.
Life Insurance






  • First-time life insurance buyers.
  • Someone of average health for their age.
  • Someone with a high-risk lifestyle (with an exclusion, with a rated premium).

Protected Against Unexpected

Protection and security for you and your family.

Right Plan @ Right Rate

We will get you right coverage. Pay only for what you need.

When There Is If In Life

You can count on us, wherever & whenever you roam .

Customized Insurance Offering By Policydirect

Policydirect compare products and pricing across several insurance companies and suggests thatfits your requirements.

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A simple promise : We'll be there when you need us most. When there is if in Life, you can count on PolicyDirect.

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We can assist you in reaching your financial goals with personalized financial pathway that meets your unique needs & goals.

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At POLICYDIRECT, process of buying insurance as easy and painless as possible. in just a few minutes you could be on the way to obtaining right coverage, protecting your loved ones,and having the peace of mind knowing we have protected you and your family.


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