No Medical Exam Life Insurance · Ontario, Canada
Get covered fast — no doctor, no needles, no waiting
No medical exam life insurance lets you get approved in days — sometimes minutes — with just a few health questions. Ideal if you've been declined before, have a health condition, or simply want coverage without the hassle.
1
Answer a few simple health questions online or over the phone
2
Get approved — often within 24–72 hours, sometimes instantly
3
Your coverage begins — no exam, no blood work, no delays
Who it's for
No medical exam insurance is ideal if you...
Have been declined for traditional life insurance
Simplified and guaranteed issue policies accept Canadians who can't qualify for standard coverage due to health history.
Need coverage quickly
Traditional policies can take 4–8 weeks to underwrite. No-exam policies can be approved in days — sometimes the same day.
Have a pre-existing health condition
Conditions like diabetes, heart disease, or a history of cancer may still qualify under simplified issue underwriting.
Are a senior looking for final expense coverage
Guaranteed issue policies are available to Canadians up to age 80 — with no health questions asked at all.
Types of no-exam coverage
Three ways to get covered without a medical exam
Option 1
Simplified Issue
Answer a short medical questionnaire — no blood work or physical exam required. Coverage amounts up to $500,000 depending on carrier and age.
✓ Faster approval · ✓ Higher coverage limits · Best for: relatively healthy applicants who want to skip the exam
Option 2
Guaranteed Issue
No health questions at all — acceptance is guaranteed regardless of your health history. Coverage typically up to $25,000–$50,000.
✓ No questions asked · ✓ Always approved · Best for: seniors, those with serious conditions, final expense planning
Option 3
Accelerated Underwriting
A streamlined digital process that uses health data and algorithms instead of a physical exam — often approved within 24 hours for healthy applicants.
✓ Fast approval · ✓ Full coverage amounts · Best for: healthy applicants who want speed without sacrificing coverage
Carriers offering no-exam policies
Compared from Canada's leading no-exam insurers
Canada Protection Plan
Foresters Financial
Manulife
Empire Life
Industrial Alliance
Co-operators Life
Canada Life
OM Financial
Aaxel Financial
IA Financial Group
Common questions
No medical exam insurance — answered
Generally yes — because the insurer takes on more risk without a full health picture, premiums are slightly higher than fully underwritten policies. However, for many Canadians with health issues or those who need speed, the trade-off is well worth it. We'll compare your options to find the best value.
It depends on the type of policy. Simplified issue policies can offer up to $500,000 in some cases. Guaranteed issue policies are typically capped at $25,000–$50,000. Accelerated underwriting can offer full coverage amounts for healthy applicants. Samir will match you with the right option for your needs.
Yes — many simplified issue policies from carriers like Canada Protection Plan are specifically designed for Canadians with pre-existing conditions. Approval depends on the severity and management of the condition, which is why working with a broker who knows these products is essential.
Yes — the death benefit is paid tax-free to your beneficiaries just like any other life insurance policy. Some guaranteed issue policies have a waiting period (usually 2 years) before the full death benefit is paid for non-accidental death. We'll make sure you understand exactly what you're getting before you apply.
Simplified issue policies are typically approved within 24–72 hours. Guaranteed issue policies can often be approved the same day. Accelerated underwriting for healthy applicants can be approved in minutes in some cases.
No exam. No waiting. Just coverage.
Book a free consultation with Samir and find out which no-exam policy is right for you — no commitment required.
Free · No obligation · Licensed Ontario advisor