Non Medical Insurance

Guaranteed Non-Medical Issue - Life Insurance

Guaranteed Issue plan is Guaranteed Policy.

You will not be turned down for coverage regardless of health condition. It is a simple insurance solution designed to meet the insurance needs of the most challenging applicants.

Regardless of your medical condition or previously declined for life insurance, you are eligible for this plan. It is generally purchased to cover final expenses by individuals who are not eligible for other plans of insurance.


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What's are conditions for your eligibility? You are aged 40 to 79 and have a permanent Canadian address. Yes, that's it!

Want more? You may be eligible to buy this policy even if :

  • You have been deferred, postponed, or declined insurance for any reason;
  • You had past health issues that would lead to a deferral or decline under traditional plans; or
  • You are newly landed immigrant or otherwise not a Canadian citizen

Our vision - Best insurances for everyone.

I have been in the process of dealing with another well-known insurance company when after over 5 months of waiting for my quote and being very frustrated with the process, I decided to look at other avenues. I visited this site and took a chance, asking for a quote. I am a smoker, have a number of medical conditions and was rated and declined in the past. So, in my case, getting a life insurance was tricky and quite expensive. Following my meeting with an advisor, he worked hard and diligently in getting me the best quote right at the meeting, not just giving me a chance of being insured and taking care of my family, but also saving me over 60% a month on what I was quoted from the other company (a quote which took them 6 months to get to me!).

"Doug McKenzie"

62%

Unfit for the traditional Life Insurance

206200

New cases of cancer annually

80800

Deaths will occur in Canada annually

72000

Deaths per year caused annually by Heart Attack & Stroke

What People Talk About Us ?

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