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- 55 Crockford Blvd, Scarborough, ON M1R 3B7
- hello@www.policydirect.ca
- 647-274-9670
- Monday to Friday: 9am to 6pm
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647-274-9670 -
55 Crockford Blvd,
Scarborough, ON M1R 3B7 -
Our Working Hours
Mon - Sat: 8 am - 6 pm
No Medical Insurance
WHEN THERE IS IF IN LIFE
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:
- Cover final expenses, including the cost of a funeral
- Ensure loved ones are not left covering outstanding debts
- Leave a legacy for a cause close to your heart
- Leave a gift for loved ones or family members
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NO MEDICAL LIFE INSURANCE
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.
Compare & Buy Save Money,
Any questions? Call 647-274-9670
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.
WHO SHOULD GET NO MEDICAL LIFE INSURANCE?
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.
WHY CHOOSE
POLICYDIRECT?
Premiums
Coverage Maximum
Medical Exam
Medical Questionnaire
Waiting Period (approx)
Recommended For
Simplified Issue
Life Insurance
Medium
$500,000
No
Yes
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
$50,000
No
No
2 years
(except for accidental death)
- Someone with an active terminal illness.
- Someone with a serve and/or complicated medical history.
Term
Life Insurance
Low
$5,000,000
Yes
Yes
None
- 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.
Canada’s Leading Insurance Broker
A simple promise : We'll be there when you need us most. When there is if in Life, you can count on PolicyDirect.
No Obligation, Financial Analysis
We can assist you in reaching your financial goals with personalized financial pathway that meets your unique needs & goals.
Pain-Free Insurance Solutions For Everything
Get your auto, Property, Travel, Life, Health, Business insurance quote. Your one-stop-solution for all your insurance needs.
We make it happen
HOW POLICYDIRECT WORKS?
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.
STEP 1 - QUICK QUOTE
Get the Best quote from all major insurance companies
STEP 2 - QUICK GUIDE
Get free advice from our advisors on product for your unique needs.
STEP 3–SUBMIT APPLICATION
Submit your application, get approved and deliver your policy.
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Customized Insurance Offerings
Auto Insurance
When driving your car, feel confident your auto insurance coverage fits your needs.
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Home & Auto Bundle
Insure your primary home and cars with us to save an average of $500* on your policy.
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To put it simply, life insurance provides a tax free death benefit to insured person’s beneficiaries.
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Get the best insurance rates from Canada’s biggest insurance providers and travel with confidence.
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Committed to Savings
Insurance For Car, Home, Travel, Life & More, Get the most accurate estimate for your insurance needs.
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Company Head Office
55 Crockford Blvd,Scarborough, ON M1R 3B7
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+1 (647) 274 9670
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